Integrated Card Service Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Businesses looking for a full-service merchant account.

Specializes in

Providing merchants a simplified approach to credit card processing. Integrated Card Service provides everything a business needs to accept credit cards from a terminal up to the merchant account.

Pricing Summary

Setup Fee: Undisclosed

Monthly Fee: Undisclosed

Swipe Rate: 1.00% - 4.99%

Keyed-in Rate: 1.00% - 4.99%

Early Termination Fee : $250 to $350

Contract Terms:

3 Years
Visit Integrated Card Service

Integrated Card Services is located in Agoura Hills, CA.

The company has been in existence since 2007.

There is no listed president or CEO. There are no employee listings to be found anywhere on the internet.

Integrated Card Service Overview


The company was founded in 2007 but has not maintained a consistent presence throughout its existence.

There is no information to be found on the company website other than a single phone number and the promise that they will provide options for terminals to fit specific business models.

It appears they are resellers of First Data merchant accounts. First Data transitioned to Fiserv in 2019, but the Integrated Card Service has not updated its website to match this change.

There are numerous complaints about the company. The majority of these complaints refer to the company as a ripoff or scam.

There is evidence that the company had its accreditation revoked about ten years ago. They have since taken steps to remedy that situation, but from the complaint total, that attempt has not reached the level they had hoped for.

Quick Facts

Head Quarters

Agoura Hills, California

Year Founded



Maurice Koot



Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • Automotive
  • Beauty & Wellness
  • Clothing & Apparel
  • Convenience Store
  • Contractors
  • Electronics
  • Food & Beverage
  • Gas Station
  • Healthcare
  • Hunting & Outdoor Equipment
  • Medical
  • Moving Companies
  • Personal Service
  • Professional Services
  • Online Sellers
  • Restaurant / Bar
  • Retailers
  • SAAS
  • Telemedicine
  • Thrift Store
  • Wholesalers

Business Types Served

  • B2B
  • Ecommerce
  • Enterprise Merchant Accounts
  • Mobile
  • Mom & Pop
  • MOTO
  • Online
  • Retail / Card Present
  • Small Business
  • Wholesale

Integrated Card Service Products & Services


Hardware and Software

According to the limited information on the company website, Integrated Card Service offers several options for terminals and registers. They advertise small wireless options or fully integrated First Data Retail Solutions.

They claim to use ICS Teleplay for card not present charges with a mobile app.

They also reference an eCommerce gateway but don’t give any specifics as to what type or how it integrates with online shopping carts and other necessary compatibility specs.

Integrated Card Service mentions Secure Socket Layer in one sentence as the pinnacle of their security measures.

Value-Added Services

There are no references to any services beyond the basic credit card transactions and security.

Supported Payment Types and Services

There is no direct reference to what type of credit card payments the company accepts.

Integrated Card Service Payment Processing

  • ACH Check Transactions
  • Cash Transactions
  • Chargeback & Fraud Prevention
  • Check Guarantee
  • Check Services
  • Contactless NFC
  • Credit Card Processing
  • Credit Card Terminals
  • Debit Card Processing
  • eCheck & ACH Processing
  • EMV Processing
  • Gift & Loyalty Program
  • Merchant Cash Advance
  • Mobile Card Reader
  • Mobile Payments App
  • Online Payments
  • Payment Gateway
  • Payment Processing Services Integration
  • POS Equipment
  • Receipt Printing
  • Recurring Billing
  • Signature Capture
  • Virtual Terminal

Integrated Card Service Billing & Invoicing

  • Contingency Billing
  • Dunning Management
  • Mobile Payments
  • Online Invoicing
  • Online Payments
  • Payment Processing
  • Recurring/Subscription Billing

Integrated Card Service Advertising & Sales

Integrated Card Service uses independent sales representatives and has received a large number of complaints regarding unethical sales tactics and a steady stream of misinformation.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Integrated Card Service Pricing, Rates & Fees


The company has been linked to iPayment. While they reveal no actual information on their single-page website about anything involving prices, it can be gleaned from iPayment’s merchant account numbers that they are known for average prices, but a large number of fees.

They have listed an early termination fee, monthly fees, chargeback fees, and non-compliance fees. There are others not specifically stated, but merchant complaints maintain an unreasonable amount of money being siphoned from merchant accounts without their knowledge.

Pricing at a Glance

Pricing Model

Tiered Pricing

Swiped Rate

1.00% - 4.99%

Keyed-in Rate

1.00% - 4.99%

Mobile Payment Rate

Virtual Terminal Rate

1.00% - 4.99%

Monthly Fee


Payment Gateway Fee


Batch Fee


Early Termination Fee

$250 to $350

PCI Compliance Fee

$100 Per Year

Equipment Lease Terms

48 Month (locked)

Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee

Annual Fee

Monthly Minimum


Statement Fee

$8 Per Month

Integrated Card Service Contract & Terms

Using iPayment standards, there is a three-year contract.

Once again, there is zero information available on the Integrated Card Service website. The word contract is never actually mentioned anywhere on the single page of limited information.

There is likely a non-cancelable equipment lease of 48 months. Integrated Card Service does not state this, but since they use First Data Global Leasing, it can be assumed that they stick to the other company’s standards.

Contract Length

3 Years

Early Termination Fee

$250 to $350

Integrated Card Service Setup & Support


There is no setup information.

It appears that Integrated Card Service does nothing to promote customer and tech support. There is a single point of contact on the website and that number links to a sales rep. All tech support may be directed to the company that holds the equipment lease, but there is no indication that this is accurate.

Setup Highlights

  • Documentation / Knowledge Base
  • Live Online (1-on-1)

Support Highlights

  • Domestic Phone Support (Business Hours)

Integrated Card Service Complaints, Ratings & Reviews

BBB Rating

Integrated Card Service does not have any profile on the Better Business Bureau. It appears that they did at one time, but the profile was deleted when the company lost its accreditation. There has been no attempt to renew the profile since that time.

Other Online Reviews

There are double-digit reviews and complaints to be found around the internet. The complaints cover the full range of gripes with many outright accusing the company of fraud.

With the history of unethical business habits and the revoking of accreditation, it comes as no surprise that these complaints continue to stack up. What is surprising is that merchants continue to take their business to this company with no clear indication of what they are buying into.

Also of note, with no Better Business Bureau profile to provide a backdrop, it is hard to tell if Integrated Card Service is doing anything to address the complaints. With the BBB there is some public discourse to demonstrate the company’s attempt to right the perceived wrong.

There is no indication anywhere that Integrated Card Service is doing anything to improve its shortcomings. Reading through the comments and reviews, there is a clear pattern of business malpractice that often requires legal help to remedy.



Does not have BBB profile.


1 Star / 1 Review






Total Online Reviews


Total Online Complaints




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