Integrated Merchant Alliance Review

Integrated Merchant Alliance Overview

Integrated Merchant Alliance May Have Overcharged You

If you accepted credit cards through Integrated Merchant Alliance or any other credit card processing company between 2017 and 2019, recent changes to the law may entitle you to refunds of certain debit card and credit card processing errors and overcharges. See this post to find out if your were among the businesses affected and to learn how you can get your money back.

A First Data Reseller

Integrated Merchant Alliance, 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+” and has received 0 complaints in the past 3 years. The company has been accredited by the Better Business Bureau since 2010.
  • 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
Are you a decision maker with Integrated Merchant Alliance? Claim this review.

Products & Services Offered

Types of Businesses Served

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

Our unbiased reviews are supported, in part, by helping you find highly rated merchant accounts. You can learn more here.

Integrated Merchant Alliance Rates, Fees, and Costs

Key Points

Swiped Rate 2.69% + $0.19
Keyed-in Rate 3.69% + $0.19
Early Termination Fee Up To $495
PCI Compliance Fee $19.95 Per Month
Equipment Lease Terms 48 Month (locked)

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.

First Data offers a wide variety of contract terms and pricing plans, but its standard agreement is typically a multiyear contract with an early termination fee of $495, a monthly PCI compliance fee of $19.95, and tiered pricing. Merchants who process up to $50,000 each month will receive a swiped rate of 2.69% plus $0.19 and a keyed-in rate of 3.69% plus $0.19. Merchants whose monthly charges exceed $50,000 will receive a swiped rate of 2.29% plus $0.19 and a keyed-in rate of 3.29% plus $0.19. Another facet of these contracts are non-cancellable, long term equipment leases through First Data Global Leasing.

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.

Are you happy with your Integrated Merchant Alliance fees? Tell us about them before your go!

Response from Integrated Merchant Alliance

Are you a representative of Integrated Merchant Alliance? Add your voice to this section for free!

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 Lawsuits

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

Do you have a complaint or testimonial about Integrated Merchant Alliance? Make your voice heard before you go!

Response from Integrated Merchant Alliance

Are you a representative of Integrated Merchant Alliance? Add your voice to this section for free!

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 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, merchants should note that there are good reasons to be skeptical of the BBB’s rating system.

How has Integrated Merchant Alliance treated you? Tell us about it here!

Response from Integrated Merchant Alliance

Are you a representative of Integrated Merchant Alliance? Add your voice to this section for free!

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.

Did you get what you expected from Integrated Merchant Alliance? Tell us why, or why not.

Response from Integrated Merchant Alliance

Are you a representative of Integrated Merchant Alliance? Add your voice to this section for free!

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.

We rely on your feedback about Integrated Merchant Alliance to keep this review accurate and up-to-date. Please take a minute to tell us about your experience. We and the small business owners of this world thank you!

Thank you for reading my review. I hope that it has helped you with your research.

Why I'm Qualified to Write About Credit Card Processing and Merchant Account Services

I'm a former credit card processing sales director who left the industry because I didn't like how it takes advantage of small business owners. It feeds like a leech on businesses and thrives by imposing fees that are nearly impossible to comprehend. Seeing a need for change, I left and built this website help business owners better understand the industry, research merchant services providers, and get refunds of excessive merchant account fees. My experience of working "behind the curtain" in the industry, and using that knowledge for good, has resulted in millions of dollars returned to hard-working small business owners as well as enterprise-level companies.

From the time that I starting working in the merchant services industry to when I left to create this website, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this "insider" knowledge to myself. To lift the fog, I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers on this website.

How I Can Help You

I specialize in helping businesses get refunds of excessive fees and have recovered $1,567,184 this year alone! Submit a recent statement below to find out if you are getting overcharged. I'll take a look at it for free. If I find fees that can be refunded, hire me on contigency. I only get compensated if I put money back into your pocket.

Submit a Statement

  • Accepted file types: jpg, png, pdf, xls, xlsx.

1 Review Leave Your Review for Integrated Merchant Alliance Below

  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.

Leave a Review for Integrated Merchant Alliance

Your email address will not be published. Required fields are marked *

Please do not use profanity or ALL CAPITAL LETTERS in your review. Reviews must provide a detailed account of your experience. By submitting a review or comment to CPO, you are agreeing to our Comment Policy.