Integrated Merchant Alliance Review

Integrated Merchant Alliance Overview

A First Data Reseller

Integrated Merchant Alliance, Inc (imainfo.com), powered by First Data, is a merchant account provider based in Omaha, Nebraska. Its specialties include medical, non-profit, e-commerce, petroleum, hotel, restaurant, insurance, retail, mail/telephone order, travel, manufacturing, and wholesale merchant accounts.

Integrated Merchant Alliance Location and Ownership

The company was established in 2003 and is a registered ISO/MSP of Wells Fargo Bank, N.A., Walnut Creek, CA. Richard Semaan is the president of Integrated Merchant Alliance, which is headquartered at 13314 I St, Omaha, Nebraska 68137.

Integrated Merchant Alliance Review Table of Contents

  • Costs & Contract: Integrated Merchant Alliance appears to offer variable contract terms through First Data.
  • Complaints & Service: Integrated Merchant Alliance has received fewer than 10 complaints.
  • BBB Rating: Integrated Merchant Alliance has an “A+” rating with the Better Business Bureau and has received zero complaints in the past three years.
  • Sales & Marketing: Integrated Merchant Alliance hires independent sales agents but has received only one complaint about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With Integrated Merchant Alliance

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Products & Services Offered

Types of Businesses Served

  • Retail
  • Mobile
  • E-commerce
  • MOTO
  • Restaurant
  • B2B

Integrated Merchant Alliance Rates, Fees, and Costs

Standard Fees

Swiped Rate Variable
Keyed-in Rate Variable
Early Termination Fee Variable
PCI Compliance Fee Variable
Equipment Lease Terms Variable

Variable Contract Terms

There is very little specific information available about the standard Integrated Merchant Alliance contract. The company is “powered by” First Data, which means that merchants who sign up for a merchant account through Integrated Merchant Alliance are likely to receive an agreement similar to the standard First Data agreement. Although First Data offers a wide array of contract terms, merchants can generally expect a multiyear agreement with a cancellation fee.

No Red Flags

The overall lack of complaints online about Integrated Merchant Alliance’s contract terms seems to suggest that most of the company’s clients are satisfied with the terms they’re receiving. We will therefore assign the company an “A” rating in this section for the time being. However, there is no reason to expect that Integrated Merchant Alliance’s standard pricing will compete with that offered by the cheapest merchant accounts. If you have any specific knowledge of Integrated Merchant Alliance’s contract terms, please share that information in the comment section below this review.

Response from Integrated Merchant Alliance

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Integrated Merchant Alliance Complaints & Customer Reviews

Key Points

Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A

Low Complaint Total

As of this update, we are unable to locate any Integrated Merchant Alliance reviews that describe the company as a scam or a ripoff. In fact, there appear to be no complaints filed publicly against the company whatsoever, with the lone exception of the issue mentioned in the sales and marketing section of this review. It is possible that some Integrated Merchant Alliance complaints have been redirected to the online profiles of First Data, but there is no clear evidence that this is occurring.

Integrated Merchant Alliance Support Options

Integrated Merchant Alliance lists a dedicated phone number and customer support email address on its website. This is the bare minimum level of support we expect from top-rated payment processors for great customer service, but it seems to be adequate for IMA’s purposes.

Response from Integrated Merchant Alliance

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Integrated Merchant Alliance BBB Rating Summary

Key Points - BBB

Product & Service Complaints 0
Billing & Collection Complaints 0
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery Complaints 0

Clean Complaint Record

Integrated Merchant Alliance has been an accredited business of the Better Business Bureau since 2010 and presently maintains an “A+” score. The company has received zero complaints in the last three years. It also has not received any informal reviews on its BBB profile, although it should be noted that these reviews are generally not subject to verification by the BBB.

An “A” Performance

Given the company’s clean complaint record, we agree with the BBB’s rating at this time. However, merchants should note that there are good reasons to be skeptical of the BBB’s rating system.

Response from Integrated Merchant Alliance

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Truth In Marketing & Advertising

Key Points

Employs Independent Resellers Yes
Advertises Deceptive Rates No
Discloses All Important Terms No

Outside Sales Team

Integrated Merchant Alliance appears to employ outside sales agents to market its services. This hiring practice is standard for the industry, and it is usually responsible for a high volume of complaints among merchants. Integrated Merchant Alliance, however, is showing only one online review that accuses its sales representatives of misrepresentation. In this instance (found in the comment section below), the merchant describes misrepresentation of rates and fees as well as an inability to reach the agent after signup. The merchant states that the company corrected some of these issues while others were left unaddressed by customer service.

No Deceptive Quotes

To its credit, Integrated Merchant Alliance does not appear to list any deceptive rate quotes in its official materials. If you suspect that you were misled about your rates, you can double-check your pricing with a third-party statement audit.

Response from Integrated Merchant Alliance

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Integrated Merchant Alliance Marketing Example

Integrated Merchant Alliance Logo

Our Opinion of Integrated Merchant Alliance

A Solid Option for Standard-Risk Merchants

Integrated Merchant Alliance rates as a reliable credit card processor according to our criteria. The company is showing nearly zero public complaints despite what appears to be a fairly standard partnership with First Data. The only areas of concern with Integrated Merchant Alliance are its use of independent sales agents and the lack of available information about its contract terms. Merchants should be sure to compare IMA’s pricing to that offered by top-rated merchant account providers in order to obtain the best deal.

Phillip Parker is a former merchant services sales agent who believes the industry has been overrun by people who engage in fraud and deception in order to steal from hard working business owners. He created this website to help you avoid the bad players, save money on fees, and to get peace of mind with your merchant account. If you would like to help support his work, learn more about our cost reduction service. We can evaluate your statement, tell you exactly how much you're overpaying, and then help you dramatically reduce your fees with your current credit card processor. Looking to switch instead? See our list of the best merchant account providers.

Schedule a Consultation with Phillip

1 Review Leave Your Review for Integrated Merchant Alliance Below

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  1. Veronica says:

    Integrated Merchant Alliance uses illegal sales tactics including promising one rate and charging another and promising singing bonuses that entice you to sign-up now and are never paid. The “sales representative” I worked with is the territorial manager, and he has lied about almost everything. The charges promised upon sign-up were quickly changed to higher rates after sign-up, and then the bill included even higher rates still. IMA charged for products never received (card swiper) and promised refunds, but never gave them. IMA overcharged and doubled charged me. Through customer service I was able to get only one of the many problems resolved. The territorial manager has ceased all communication with me. Customer service responded to my first inquiry, but not to any subsequent inquiries. They claim the territorial manager is the only one that can give me the promised signing bonus (that was to cover the cancellation fee I was charged by my previous processor to switch to IMA) and they won’t address being charged for the card swiper I have never received and was promised was free. If the territorial manager is unreliable and committing fraudulent sales practices, IMA should do something to make it right with the customer, but they have no intention of doing that. I am still waiting (over a month now) to receive any communication from my sales rep (territorial manager). I have been waiting over two months to get promised refunds and over three months for the signing bonus. I signed up on December 31 and all of these problems have occurred since them. I am very surprised there aren’t more complaints out there, but I’m sure they will come. If anyone is thinking of signing up with IMA, be very leery about what they tell you to get you to sign up and watch your bill closely.

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