Integrated Merchant Alliance Review

Integrated Merchant Alliance, powered by First Data (now Fiserv), 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.

Payment Processing

Integrated Merchant Alliance offers payment processing services to manage a variety of transactions securely and efficiently. These services support businesses in handling credit card and electronic payments.

EMV Card Readers and Swipers

Integrated Merchant Alliance provides EMV card readers and swipers, essential for processing chip card payments. These devices enhance transaction security and help reduce fraud risk by complying with EMV standards.

POS Equipment

Integrated Merchant Alliance supplies a range of point-of-sale (POS) equipment designed to meet the needs of different businesses. This equipment facilitates efficient checkout processes and helps manage sales and inventory effectively.

Check and ACH Processing

Integrated Merchant Alliance offers check and Automated Clearing House (ACH) processing services. These services enable businesses to process electronic payments and checks, providing an alternative to traditional payment methods.

Business Loans

Integrated Merchant Alliance provides business loans to support various financial needs. These loans can help businesses with cash flow management, expansion projects, or other financial requirements.

Gift and Loyalty Programs

Integrated Merchant Alliance offers gift and loyalty programs aimed at enhancing customer engagement and retention. These programs allow businesses to reward their customers, encouraging repeat business and building customer loyalty.

ATM Machines

Integrated Merchant Alliance supplies ATM machines, offering businesses a way to provide convenient cash access to their customers.

Payroll and Cash Advances

Integrated Merchant Alliance provides payroll and cash advance services to help businesses manage their financial needs. These services ensure timely payroll processing and provide quick access to funds.

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 few complaints filed publicly against the company. While some Integrated Merchant Alliance complaints may have been redirected to the online profiles of First Data/Fiserv, there is no clear evidence of this. If you have your own Integrated Merchant Alliance review to share, please do so in the comments below.

Integrated Merchant Alliance Lawsuits and Fines

We have not found any outstanding class-action lawsuits or FTC complaints filed against Integrated Merchant Alliance. Dissatisfied clients who wish to pursue a non-litigious course of action against the company should consider reporting their concerns to the relevant supervisory organizations.

Integrated Merchant Alliance Customer Support Options

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

PaymentPop Rating for Integrated Merchant Alliance

Negative Feedback

There are no negative reviews published about Integrated Merchant Alliance on the PaymentPop website.

Integrated Merchant Alliance BBB Rating

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 0 complaints in the last 36 months. 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, readers should note that there are good reasons to be skeptical of the BBB’s rating system.

Variable Contract Terms

Details about the standard contract for Integrated Merchant Alliance are sparse. Since the company is affiliated with First Data/Fiserv, it’s plausible that their merchant account agreements resemble those of First Data/Fiserv.

First Data/Fiserv is known for offering a range of contract terms and pricing structures. Typically, their standard contract involves a multi-year commitment with an early termination fee of $495 and a monthly PCI compliance fee of $19.95, along with tiered pricing. Monthly processing volume impacts rates, with businesses processing up to $50,000 per month facing a swiped rate of 2.69% plus $0.19 and a keyed-in rate of 3.69% plus $0.19, and those exceeding $50,000 per month seeing reduced rates. Contracts may also include non-cancellable, long-term equipment leases through First Data Global Leasing.

No Red Flags

The absence of widespread complaints about Integrated Merchant Alliance’s contract terms could indicate customer satisfaction with their agreements. Accordingly, we currently give the company an “A” rating in this category. Nevertheless, it should not be assumed that Integrated Merchant Alliance’s pricing aligns with the most affordable merchant accounts. Insights into Integrated Merchant Alliance’s contract terms would be valuable and can be shared in the comment section below this review.

For further options, we suggest readers to explore our compilation of the best merchant accounts.

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 clients. 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 client describes misrepresentation of rates and fees as well as an inability to reach the agent after signup. The client states that the company corrected some of these issues while others were left unaddressed by customer service.

In general, this compares favorably to our list of best credit card processors.

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.

Integrated Merchant Alliance (IMA) ranks as a dependable credit card processing provider according to our criteria. Despite its fairly standard partnership with First Data/Fiserv, the company maintains a nearly spotless public complaint record. This reflects well on IMA’s overall service quality and suggests consistent customer satisfaction across its client base. The company’s reputation is bolstered by the reliable processing capabilities associated with its partners, making it an appealing choice for businesses seeking a steady and trustworthy payment solution.

However, prospective clients should remain mindful of potential concerns. The company’s reliance on independent sales agents can create inconsistencies in the customer experience, and the lack of detailed information regarding contract terms makes it difficult to conduct a comprehensive assessment of the service before signing up. As a result, businesses should compare IMA’s pricing with other top-rated merchant account providers to ensure they secure the best deal. Thoroughly understanding the terms and conditions will help clients avoid unexpected costs and find the most suitable processing partner for their needs.