Integrated Merchant Alliance Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Businesses of all sizes and risks.

Specializes in

Providing cutting-edge technology to their clients and maintaining a high level of technical proficiency to help streamline business, cut costs, and improve overall efficiency. They maintain a high level of customer security and aim to put their customers first in all matters.

Pricing Summary

Setup Fee: $0

Monthly Fee: Undisclosed

Swipe Rate: 2.69% + $0.19

Keyed-in Rate: 3.69% + $0.19

Early Termination Fee : Up To $495

Contract Terms:

Visit Integrated Merchant Alliance

Integrated Merchant Alliance has its headquarters in Omaha, NE.

It was founded in 2003.

Richard Semaan is the Principal.

Integrated Merchant Alliance Overview


Founded in 2003, Integrated Merchant Alliance was created with the customer in mind. Their goal was to provide an all-encompassing business experience for their merchants and they have only improved from that point.

They pride themselves on keeping their clients up to date on everything from compliance to security software.

Originally they worked with Chase/Paymentech but have since moved on to offer Fiserv (which was First Data) to offer merchant account banking to their clients.

With almost twenty years of service under their belt, they have maintained an extremely low complaint level. They are accredited by the Better Business Bureau and have had no complaints in the past three years.

Quick Facts

Head Quarters

Omaha, Nebraska

Year Founded



Richard Semaan- Founder & President



Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • Airlines
  • Clothing & Apparel
  • Convenience Store
  • Electronics
  • Gas Station
  • Healthcare
  • Hunting & Outdoor Equipment
  • Marketing Agency
  • Moving Companies
  • Personal Service
  • Property Management
  • Restaurant / Bar
  • SAAS
  • Telemedicine
  • Thrift Store
  • Travel
  • Web Design Services

Business Types Served

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

Integrated Merchant Alliance Products & Services


Hardware and Software

While Integrated Merchant Alliance does not specify what hardware they offer, they state that they work with the top five processing system companies. This is a little vague, but most likely includes Clover, Poynt, and Verifone.

It appears that they used these business connections to find the terminals and registers that integrate with the merchant businesses.

They state that their technological solutions work with all major terminal and POS systems and their software is compliant with the industry security standards.

Value-Added Services

There are multiple services offered beyond credit card processing. The scope of their offerings provides services beyond the industry average.

Integrated Merchant Alliance offers merchant cash advances to help businesses grow by tapping into their future credit card transaction profits.

They offer payroll processing to work alongside their software options to help improve back-office efficiency.

Working directly with the merchant, they can develop gift cards to enhance brand awareness and draw in new customers.

They also accept ACH for recurring billing and check services to ensure a merchant can accept all payment types.

Integrated Merchant Alliance also offers small business loans. They take into account the whole of the merchant’s income and not just their credit card transactions. However, the repayment is a standard repayment instead of being a percentage of future credit card transactions.

Supported Payment Types and Services

American Express
ACH Payments

Integrated Merchant Alliance Payment Processing

  • ACH Check Transactions
  • Chargeback & Fraud Prevention
  • 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
  • POS Equipment
  • Recurring Billing

Integrated Merchant Alliance Billing & Invoicing

  • Customizable Invoices
  • Mobile Payments
  • Online Invoicing
  • Online Payments
  • Payment Processing
  • Recurring/Subscription Billing

Integrated Merchant Alliance Advertising & Sales

According to outside sources, Integrated Merchant Alliance uses a combination of in-house and outside contractors to handle their marketing.

There are a couple of scathing reviews about sales tactics. These refer to in-house sales agents not following through on promised rates and overcharges.

There are no bad reviews about independent contractors.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Integrated Merchant Alliance Pricing, Rates & Fees


Since they provide Fiserv merchant accounts, it can be assumed that Integrated Merchant Alliance offers a wide variety in their rates and pricing. What a merchant pays is linked directly to the type, risk, and volume of the business.

There are general fees associated with Fiserv merchant accounts. Most accounts will have early termination fees, annual and monthly fees, and PCI compliance fees.

In addition, since they offer hardware, there are potentially equipment leases. It is not stated what the lease fees are and if they are cancelable or not.

Pricing at a Glance

Pricing Model

Tiered Pricing

Swiped Rate

2.69% + $0.19

Keyed-in Rate

3.69% + $0.19

Mobile Payment Rate

Virtual Terminal Rate

Monthly Fee


Payment Gateway Fee


Batch Fee


Early Termination Fee

Up To $495

PCI Compliance Fee

$19.95 Per Month

Equipment Lease Terms

48 Month (locked)

Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee


Annual Fee

Monthly Minimum


Statement Fee

Integrated Merchant Alliance Contract & Terms

Fiserv offers multi-year contracts. They generally are in the 2-3 year range. There are usually automatic renewals associated with the provider, but typically one year.

With such a large provider, the terms of the contract are somewhat negotiable. Fiserv has a large enough volume to be able to have something to offer most merchants.

Contract Length


Early Termination Fee

Up To $495

Integrated Merchant Alliance Setup & Support


Setup with a well-backed company like Integrated Merchant Alliance is generally done at the pace of equipment delivery.

Merchant accounts can be processed in less than a day. However, a high risk account can sometimes take up to a week to be fully underwritten.

If a standard risk merchant is utilizing an eCommerce gateway they can be up and running in less than an hour.

They offer the industry minimum for support. An email and phone number are available on their website. There may be more afforded a paying merchant, but it is not evident to a new applicant.

Setup Highlights

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

Support Highlights

  • Domestic Phone Support (Business Hours)
  • Offshore Tech Support (After Hours)

Integrated Merchant Alliance Complaints, Ratings & Reviews

BBB Rating


Integrated Merchant Alliance is accredited by the Better Business Bureau. They have no complaints registered on the website. There are likewise no reviews.

Other Online Reviews

There are some other reviews available online. One review revolves around sales tactics. Regardless of the tone of the complaint, there has only been a single dissatisfied customer in twenty years.

The other reviews are from current and former employees. They paint a picture of a solid place to work and indicate good company morale.



A+ and has been Accredited since 2010. (0 Reviews; 0 Complaints)


3 Stars / 1 Review


3 Stars. Based on the opinion of 2 people




Total Online Reviews


Total Online Complaints




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