Merchant Solutions for Small Businesses

What type of businesses do you accept?

We accept retail, professionals, trade shows, mail order, telephone order, Internet-based, and home-based businesses.

What if I have questionable credit?

Credit is not always the determining factor in our approval process. If your credit is questionable, we have some options available to you so your account can be approved.

My business is located outside the United States. Can I still sign up for an Innovative merchant account?

Unfortunately, no. Only US-based companies with a U.S. bank account can use Innovative Merchant Solutions.

What will I need to apply?

1. Business information (Tax ID, physical mailing address)
2. Owner/principal information (contact and identifying information)
3. Account information (bank account, funding information)
4. Estimated credit card sales and existing credit card processing information (if applicable)
5. Current terminal model number

Will I need to purchase any additional equipment or a terminal?

Terminal Service: It depends. You can use your existing terminal–and reprogramming is FREE. Just call us for assistance. Don’t have a terminal, get one for a great price. Learn more about our terminals.

PC Service: No — we provide you with FREE virtual terminal software, which lets you use your PC to manually key-enter card information, plus also lets you process sales anywhere there’s an internet connection. You can also select the QuickBooks Merchant Service, which lets you manually key-enter card information right in your QuickBooks software.

Internet Service: No — we provide you with FREE gateway software, which lets you take sales over the Internet plus lets you manually key-enter card sales anywhere there’s an internet connection.

Is there a transaction fee?

Yes. Credit card processing includes both a discount rate and a transaction fee.

What is a discount rate?

Every bank charges a discount rate. The discount rate is the percentage of each transaction that the processing company charges to handle the transaction for you. Our discount rates are exceptionally low for retail (swiped), mail/telephone order, and Internet merchants.

View our Products at Innovative Merchant Solutions