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Intuit IMS online payment system

Intuit IMS

Updated on October 22, 2009
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General Information

Innovative Merchant Solutions

Innovative Merchant Solutions is a leader in the bankcard processing industry. We are proud to be the processor-of-choice for hundreds of thousands of merchants, handling over $12 Billion in volume, annually. Our reputation has been built not only on our high-tech solutions, but also on our award-winning customer service.

An Intuit Company

In 2003, Innovative joined forces with Intuit Inc., the small-business experts and makers of QuickBooks, Quicken, and TurboTax. Intuit's "Right for My Business" strategy delivers industry-specific business management solutions.

  • We are proud to help over 25 million customers better manage their personal and small business finances.
  • We employ over 7,000 small business experts, in 13 states and internationally – every one of us focused on helping you manage your business more efficiently.
What We Offer

Simply put, we help merchants meet and exceed their business objectives. We have a complete line of products and services tailored to suit the bankcard processing needs of virtually any business. We structure programs that help you maximize your profits, and ease the pressures normally associated with "watching the bottom line."

Industry Leaders in Customer Service

We believe that first-rate service organizations can only be built by providing the best customer support in the industry. Our merchant experts are highly trained to answer all questions pertaining to bankcard processing activity, including: chargebacks, managing risk, terminal procedures, and software issues. Plus, our merchant experts can help you become a better merchant by explaining processing procedures such as how to reduce charge-backs.

  • We are available around the clock, every day of the year – 24/7/3651.
  • All calls are answered by a LIVE merchant expert within 30 seconds.
Easy to Get Started

Because we maintain liberal approval guidelines we can offer non-cash processing solutions for virtually any business type, including: eCommerce, wholesale, restaurant, and retail establishments.

In addition, we give our customers peace of mind knowing that all merchant accounts are reviewed for potential risk situations. This includes transaction reviews for credit card fraud, plus assistance with retrieval and chargeback.

  • Our easy application process that takes about 5 minutes.
  • Accounts are usually approved within 24 hours.

Just complete the short form and one of our merchant experts will contact you within one business day. 




Competitive Rates

No matter which service you choose, Innovative will have you up-and-running quickly — without making a big dent in your margins.

Fees Industry Averages2 Innovative Merchant Solutions
Application Fee $75-$100
One-Time Setup Fee $60 FREE!*
Card Processing Software (for PC or eCommerce) $195 - $299 FREE!
Customer Service/Statement Fee $10-$20 per month

FREE for the first two months (time limited offer)*

Internet Processing Gateway Fee $25-$59 per month $14.95 per month
Terminal Cost (for terminal service) $195-$1,000 See our great deals!
Discount rate for Visa and MasterCard Card-swiped: 1.95%
Key-entered: 2.95%
Card-swiped: 1.72%3
Key-entered: 2.44%
Per-authorization fee for credit cards $0.23-$0.50 $0.23
Per-authorization fee for debit cards $0.23 plus network fees3 $0.21 plus network fees3
Time to funding4 2-5 business days 2-3 business days

* Requires a merchant account through QuickBooks or Innovative Merchant Solutions and is subject to the specific terms in the merchant agreement. Free QuickBooks Simple Start offer is good for a limited time only and while supplies last. Offer valid for new Innovative Merchant Solutions merchants only. Monthly fees and monthly minimum fees are waived for the first two months which begins at first billing cycle. After the first two months, your account will be automatically billed at the then current rates for both the monthly fees and the monthly minimum fees. Terms, conditions, pricing, features and service offerings subject to change without notice.

1 Subject to occasional downtime due to systems and server maintenance and events beyond our control.

2Data as of April 2005

3 Network fees vary.

4 Funds will generally be deposited into your account usually within 2-3 business days depending on your financial institution and your Demand Deposit Account. Clearance time for funds may vary depending on your Demand Deposit Account.

Application approval is required. Fees apply. Terms, conditions, features, pricing, support and service options are subject to change without notice. Innovative Merchant Solutions is a registered agent of Westamerica Bank, Santa Clara, CA, and JP Morgan Bank, Columbus, OH. FDIC Insured.

Transactions are subject to Association guidelines. Additional fees apply when accepting American Express cards.

Integration approaches


Information for developers

If you do business on the Internet you need a secure, cost-effective, and reliable way to collect payments and process transactions. We can get you set up easily and quickly with a robust solution for taking payments over the Internet.

FREE, Easy-to-Use Solutions

Our FREE Internet card-processing software integrates with your Web site, integrating with all major shopping carts and platforms. Plus, you get the flexibility to process transactions directly from your website or manually keying them into our Virtual Terminal:

  • Web Site Processing: When we setup your account, your Web site will be connected to our processing system to accept credit card payments securely, automatically, and in real time.
  • FREE Virtual Terminal: Our software also lets you manually key-in transactions through our Web site. Now you can accept credit cards anywhere there's an Internet connection, such as craft fairs and trade shows.
Secure Transacting

With Innovative, all your data is transferred using Secure Socket Layer (SSL) encryption technology, ensuring that your customer's credit card information is always secure. For a detailed list of security features, see our Features and Benefits page.

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