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Our Process

We focus on three main areas of interest.

We do the hard work!

We review contracts, rates, and fees to ensure you’re getting the best deal. We check every nook and cranny to make sure you don’t overpay because of misleading terminology, hidden costs, and deceptive sales tactics.

Read Our Latest Reviews

We Take Complaints Seriously

We scoure every major review and complaints site to ensure our experience with a payment provider is consistent with other customers. Our goal is to be certain you’re getting the most honest snapshot of the company at the time of our writing.

If you feel our review reflect a different experience than the one you’ve had, reach out to us and tell us about it.

  • We check complaints
  • We ask key questions
  • We find answers
  • We talk to the community
  • We keep track

Integration requirements can be just as important as fees and customer service. For many merchants, getting up and running quickly and efficiently is imperative to maintaining uptime, and keeping the revenue stream open. We check every provider’s integration process to ensure a smooth transition and onboarding process.

Best Retail Provider 2023

Best Ecommerce Provider 2023

Best High Risk Provider 2023

Best Overall Provider 2023

Trust Payments

Read our Review

Our Latest Review of Independent Merchant Services

Thursday, February 15th, 2018
Best Payment Providers

Independent Merchant Services’ staff is responsive, courteous, friendly, and knowledgeable. They are eager to help and they really know how to explain thing in easy-to-understand terms. We also appreciate that you don’t have to put any money out to get advice and for them to negotiate on your behalf. Also, with the many positive reviews, it seems customers are happy with their services. Glowing reviews and recommendations aside, it is important to note that you are bound by the contract…

Read Our Full Review

How we rated them






What We Liked

What We Like: Independent Merchant Services has knowledge, responsive staff and it does not charge merchants for its brokerage services.

What We Didn’t Like

What We Don’t Like: Since Independent Merchant Services acts as a third-party negotiator between merchants and merchant account providers, you have no idea what type of fees, terms, and contracts you are getting into until you are matched with a provider.

A Good Fit For:

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Are You High Risk?

Merchant accounts that are classified as high risk operate in industries which are more susceptible to chargebacks, fraud, and other factors that increase risk for the banks providing their services.

You might be considered High Risk if you’re:

  • A Merchant with high chargeback ratios
  • In an industry at higher risk for fraud
  • In new, burgeoning markets

Find a consumer financing lender

Consumer financing is being adopted heavily by product and service providers that want to garner new customers and give recurring customers the chance to purchase products that were otherwise inaccessible to them before.

For a consumer financing account, you’ll need:

  • Proof of operating business
  • Last 3 month bank statements
  • A copy of your articles of incorporation


Meost banks agree that chargeback ratios should be under 1%. Anything higher and you’re going to make yourself and your business susceptible to being categorized as a high-risk business

If your chargebacks are climbing, you should:

  • Find a service provider with Chargeback Alerts
  • Implement Chargeback prevention

Go for it!

Negotiating rates is a long and arduous process, and we highly recommend that you do this as frequently as you’re able. In the payment services business, it’s important to keep trying to get the best rates possible, as even a few pennies per transaction can lead to millions for some businesses.

Not Many do

Many banks don’t support loans to new businesses and finding a business funding, cash advance, or working capital loan can be an extremely difficult task.

Do you have:

  • 90 days of processing?
  • At least 10k per month in transactions?
  • A business bank account?

Have more questions? Check out our Blog or email our Team