International Bancard Reviews & Complaints

International Bancard Logo
Overall Score
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How did they treat you?
Pros and Cons
Pros: Cons:
Recognized industry leader. Some hidden fees possible.
No misleading marketing reported. Complaints about customer service.
Wide range of payment solutions. High early termination fees.
Accepts all major credit cards. Monthly fees likely.
Offers virtual terminal, payment gateway. Processing rates: 1% - 4.99%.
Automatic contract renewal.


In this review of International Bancard, we provide a thorough overview of this key player in the merchant account services industry. We'll examine their range of offerings, including versatile POS systems, mobile payment solutions, and comprehensive online payment gateways. We'll also look into their virtual terminal services and customer-focused gift and loyalty card programs.

Our analysis includes a balanced view of the pros and cons of using International Bancard, with insights into the company's fraud prevention measures, customer reviews, and recent industry developments, such as the Visa & MasterCard lawsuit. We'll scrutinize their fee structures and customer support options, comparing them with industry standards.

Lastly, we'll discuss International Bancard's employment practices and sales tactics, offering a well-rounded perspective on what it means to partner with or work for this Michigan-based merchant account provider.

About International Bancard

Founded in 2001, International Bancard is a Michigan-based merchant account provider that processes electronic transactions for all major credit card brands. International Bancard appears to either resell Global Payments contracts or rely on Global Payment for its processing needs. In fact, the address listed on the IB website is actually the headquarters for Global Payments.

International Bancard has partnered with a number of businesses, including Fee Navigator and TherapyAppointment.

Intenational Bancard Hompage

International Bancard Products and Services

Payment Processing

International Bancard provides payment processing services to over 60 industries, including government agencies across the nation. They have partnerships with various companies for terminal leasing, payment gateways, electronic invoicing, and cash discount programs.

Point-of-Sale (POS) Systems

International Bancard offers diverse POS systems to cater to the needs of various industries. Whether a business requires a traditional countertop terminal or a mobile POS, International Bancard provides solutions for secure and efficient payment processing, including Clover and Poynt systems.

Mobile Payment Solutions

International Bancard's mobile payment solutions enable businesses to accept payments using smartphones or tablets, making them ideal for operations in remote locations or at events such as trade shows and farmers markets.

Payment Gateway Services

International Bancard's payment gateway services facilitate secure and easy acceptance of credit and debit card payments via business websites. These gateways are fully customizable and integrate with major e-commerce platforms like Shopify, WooCommerce, and Magento.

Virtual Terminal Services

International Bancard offers virtual terminal services that allow businesses to process credit and debit card payments over the phone or via email, eliminating the need for a physical card reader. This service is especially useful for businesses without storefronts or those needing to process payments remotely.

Gift and Loyalty Card Programs

International Bancard provides customizable gift and loyalty card programs designed to boost customer loyalty and drive sales. These programs can be integrated with POS systems and e-commerce platforms.

Fraud Prevention Services

International Bancard offers comprehensive fraud prevention services to help businesses mitigate the risk of fraud and chargebacks. These services include address verification, card security code (CVV2) verification, and fraud screening.

International Bancard Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Total Online Complaints 10+
Live Customer Support Yes
Most Common Complaint Hidden Fees
Recent Lawsuits No

Customer Reviews Summary

Negative reviews of International Bancard can be found in the comments section of this review and on various consumer protection websites, amounting to nearly 10 publicly listed complaints. Common issues raised by customers include unexpected hidden fees, rate increases, and challenges in cancelling services. There is a possibility that Global Payments might be involved in providing customer support for International Bancard, potentially leading to redirected complaints. We encourage you to share your own experiences with International Bancard in the comments below.

Lawsuits and International Bancard

No current class-action lawsuits or Federal Trade Commission (FTC) complaints have been filed against International Bancard. Merchants seeking non-litigious ways to resolve issues are advised to consider reporting to appropriate supervisory organizations.

Assessing Customer Support

International Bancard provides multiple customer support channels, including different phone numbers and email addresses for specific services. This structured approach to customer care caters to a variety of customer needs.

Contact Details for International Bancard

  • (800) 827-4880 – Toll-Free Support (Merchant ID 8788 or 16)
  • (855) 844-5960 – Toll-Free Support (Merchant ID 532008 or 7762)
  • (877) 621-0004 – Sales Inquiries
  • (877) 436-9012 – Partner Relations

Additional Support Channels

While International Bancard’s comprehensive support system helps maintain a lower complaint rate, it has yet to reach the standards of the best-rated merchant accounts for exceptional customer service.

International Bancard Online Ratings

Here's How They Rate Online

Online Ratings Summary
BBB Rating 2
PissedConsumer Rating 2.6
Our Rating 2.5
Average Rating 2.37

BBB Rating Analysis for International Bancard Corporation

International Bancard Corporation, based in Detroit, MI, is not BBB accredited and has a “B-” rating. The company has an average customer review rating of 2/5 stars based on 4 customer reviews. Additionally, there have been 2 complaints closed in the last 3 years, with none closed in the last 12 months. Common themes in the reviews and complaints include issues with product/service and billing disputes.

Negative Feedback

Charged $169 fee that I was not informed about. When I called they stated they put a notice of the fee on the August statement—nope, not a single notice in the August, September, or October statement. The representative said it was for infrastructure and upgrades but could not answer other questions. She stated she was trying to get an answer and she would be sending out an email when she did. Don’t use this company! They charged this fee to 3 other business owners I know use them and they all confirmed they were also never notified by Bancard. – Review from Kathy S, November 2, 2023


Positive Feedback

This is a solid processor that has the client’s best interest as its top priority! – Review from February 2, 2021

Source: BBB

Used WebPilot

PissedConsumer Rating Analysis for International Bancard

International Bancard has a 2.6-star rating on PissedConsumer, based on 3 customer reviews. The reviews reflect a mix of neutral and unfavorable opinions. Common themes in these reviews include dissatisfaction with customer service and issues related to contract terms and fees.

Negative Feedback

Ripped off by International Bancard. As another reviewer wrote, the exact same thing happened with early termination fee of $599.00 deducted. The original contract was 2011 so how that is early I don’t know. This business was bought from old owner, she had no idea that there was an early cancellation fee or that the contract renewed on its own. The company continued to take $62.90 each month in fees for nothing, there were no transactions to process. They collected over $600 for doing absolutely nothing and another $599.00. This is a small company in a small town. I think the sales people do not disclose this on purpose. Very deceptive! – Review from Cailen Aii, January 31, 2018

BEWARE!!! They can get you up and running in no time. But when you cancel the service its another story. They will make you jump hoops and delay, delay, delay. Evidently, there is only one person in this company who can cancel your account. She has never been available when we have called. Our business has now been without credit card processing for over 2 weeks and we have still gotten nowhere. What a nightmare. It all started when our terminal broke. When we called to report they said we need to purchase a new one, then they deny saying that after we found another service. The personnel are rude and unprofessional when you call. Read your contract carefully! We were with them for over 5 years and they still say we owe an early termination fee? Terrible company to do business with. – Review from Anonymous, November 6, 2015

Positive Feedback

There are no positive reviews published about International Bancard on the PissedConsumer website.

Source: PissedConsumer

International Bancard Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Cancellation Penalties Yes
Monthly & Annual Fees Likely
Processing Rates 1.00% - 4.99%
Equipment Leasing Yes

Three-Year Contract

As outlined in the International Bancard terms and conditions, the company typically offers a three-year agreement with automatic renewal for successive one-year terms. This contract includes an early termination fee of either $599 or the maximum amount allowed by state law, whichever is less. While the provided document doesn’t specify additional fees like PCI compliance fees or monthly minimums, these charges are common in the industry. Given that International Bancard relies on external sales agents, some contract terms and fees may be negotiable.

Virtual Terminal and Payment Gateway Pricing

Alongside its in-store payment processing services, International Bancard advertises its virtual terminal and payment gateway services on its website without disclosing pricing. Typically, additional fees such as gateway fees, technical support fees, batch fees, and additional transaction rates apply to these e-commerce services.

More Expensive Than Average

International Bancard’s early termination fee surpasses the industry average, making it less competitive among the available cheapest merchant accounts. We recommend business owners also consider our list of the best merchant accounts for alternative options.

International Bancard Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Uses Independent Resellers Yes
Telemarketing Yes
Misleading Marketing No
Discloses All Important Terms No

Inside/Outside Sales Team

International Bancard appears to utilize telemarketing and independent sales agents in addition to its inside sales team. Outside sales agents sometimes generate complaints due to a lack of training and supervision, and we have found a few International Bancard reviews that mention the company’s sales team. Two International Bancard complaints posted in the comments section of this review report an undisclosed early termination fee of $600 associated with the company’s standard equipment lease, which is a higher-than-average amount. There are also a few International Bancard complaints filed on other consumer protection websites that mention similar nondisclosure of fees, as well as complaints related to rude telemarketing and in-person tactics. This does not compare favorably to our list of best credit card processors. These complaints have been posted with enough consistency to lower the company’s score to a “B.”

No Deceptive Quotes

To its credit, International Bancard does not list any misleading rate quotes or unrealistic guarantees in its official materials. If you suspect that you are being overcharged by International Bancard, you can find hidden fees in your statement with a third-party statement audit.

Our International Bancard Review Summary

Our Final Thoughts

International Bancard stands out as an above-average credit card processing provider. The company’s strong focus on customer service and agent oversight is evident in its impressively low complaint rate. Clients commend the support they receive, suggesting a commitment to transparent and responsive service delivery. These efforts position International Bancard favorably among payment processors.

Despite these strengths, the early termination fee remains a significant drawback, as it far exceeds the industry standard, potentially limiting the flexibility for businesses to switch providers without incurring substantial costs. It’s important to note that prospective clients searching for “International Bank Card” may inadvertently miss the company due to this common misspelling. If you’re considering International Bancard, it’s wise to weigh its offerings against those of the highest-rated merchant accounts, especially in terms of pricing and contract terms. By conducting a thorough comparison, businesses can ensure they secure the best possible deal for their needs while understanding the potential penalties involved.

Location & Ownership

International Bancard is headquartered at 1505 Woodward Ave, Detroit, Michigan 48226, but the IB website lists Global Payments’ address, which is 1 Heartland Way, Jeffersonville, IN 47130. International Bancard Corp. is a registered ISO/MSP of Wells Fargo Bank, N.A., Walnut Creek, California. David Iafrate is the company’s founder, chairman, and CEO.

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Testimonials & Complaints

How Did International Bancard Treat You?

14 User Reviews

  • Chad R

    UPDATE: I was able to speak with someone at Intertional Bancard and they re-evaluated my appeal and they issued the updated. So, I can appreciate that they worked on making this situation right.

  • Chad R

    We were forced to use International Bancard through a software provider, Phorest. When Phorest switched processors to Stripe in October 2023 International Bancard continued to charge us $19.95/month for one service that wasn’t used and $16.90 for another service that wasn’t used. In total we were charged $223.58. When we called them they investigated and verbalized that there would be an refund. However, when we didn’t see a refund, we called back and management apparently denied the request. I would estimate this company made $10,000+ in service charges and credit card processing fees over the several years we were a customer. And then to get greedy over $223.58 is a pretty wild. I’ve never had a customer support experience that after-the-fact denied a request. Pretty uncommon (and shady) business practice.

  • Rachel

    2 things. They have mis-charges. They charged me extra fees that they weren’t supposed to. When I called to get an explanation they continued to promise to call back, but never did. They did finally resolve the charge but never did call back or give an explanation.

    Second, they did not fully explain PCI compliance. I had no idea what this was or that I would be charged for it. They did not include this charge on my statement so I didn’t catch the charge for months as it was being taken out of my bank account and I started to realize it wasn’t matching my statement from them. I called to get this resolved and it took several hours on the phone as they had me registered as the wrong kind of business. I am honestly not sure if I still did things correctly or I even needed to do this for my business as I don’t handle the credit cards, it’s all through a 3rd party app. I lost hundreds of dollars over this and my business is so small I only make a few thousand dollars in a year.

  • P

    No one will respond to cancel my account. Person who signed me up “Gus” excellent response rate but when trying to cancel critics chirping. No response with customer service either on simply even answering how to go about it. Beware DO NOT sign up with them. Also they have a three year contract and fee to cancel. Mine does not because i asked But read the fine print.

  • JOE


  • JoAnn

    Deceptive practices! DO NOT SIGN contract unless you ask for the entire 12 pages. You are only offered 3 of which you read and sign and there are actually another 9. You are signing a contract for 3 years, with a outrageous $599 early cancellation fee. You also must notify them that you intend to cancel BEFORE 60 days BEFORE the end of your contract or it rolls over into another year, and you STILL have a $599 early cancellation fee. They can also raise fees anytime they want.

    They can only be deceptive to make any sane person sign this contract. They have taken advantage of our whole salon who are all independent (6 contracts all with same terms – 2 are single parents).

    It seems so unnecessary to have to trick and trap costumers when all you have to do is offer normal merchant credit card processing.

    Hope to help someone else not be duped.

  • Will Vanover

    BEWARE!!! They can get you up and running in no time. But when you cancel the service its another story. They will make you jump hoops and delay, delay, delay. Evidently, there is only one person in this company who can cancel your account. She has never been available when we have called. Read your contract carefully! We were with them for over 5 years and they still say we owe an early termination fee? Terrible company to do business with.

  • Jerod Kiger

    We used international bancard and had satisfactory service until our service contract was coming to an end. We contacted the company to see how to make sure our service was not automatically renewed at the end of our contract. Instead of contacting us and telling us how to do this, they shut off our service early and hit us with a $600 cancellation fee. After getting this problem somewhat fixed (they turned our service back on, refunded us $300 and told us they would refund the other $300 at the end of our contract) we followed the directions they gave us to make sure our contract was not renewed. This involved sending them a fax, which they claimed they did not receive. They renewed our contract against our wishes and we have been fighting them ever since. We will get someone to call us back once, we explain the problem to them and they say they will call back soon and they never do. This has been going on for 4 months. Either this company is horribly stupid, or this is their standard way of doing business. Avoid them at all costs!

  • mitch mayer

    processing went great for one year then we changed banks for our deposits and all heck broke loose.they pulled money out of my accont instead of putting my 4000 dollars in.and really didnt care.amy was very little help.turned them into bbb .sent a complaint to the attorney general.sent complaint to the chamber of commerce..beware what you sign with these people..they will take your money then ask questions later..termination fees 600 dollars per you didnt read that..your fault or pay.

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