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Easy-to-Use, Flexible Solutions

There are two main ways to process card-not-present transactions:

• Use a Terminal: If your business does a mix of face-to-face and card-not-present sales, use a terminal. You can manually key-in credit information, yet still be able to swipe cards and qualify for the lower, card-swiped rates.
• Use Your PC: Turn your PC into a "virtual" terminal with card-processing software, such as our Internet Gateway software or QuickBooks Financial Software, both FREE when you get an Innovative merchant account.

Our most popular credit card processing option is a flexible choice for merchants who do not physically swipe their customer's credit card when the sale is processed. Our software uses the Internet to securely and reliably submit, authorize, capture, and settle credit card and electronic check transactions.

• Card-Processing Software: Turn your PC into a terminal with our Virtual Terminal software. It works much like a physical terminal, except that you manually key-in card information into your PC. And, since the transaction processing is done via the Internet, you can make sales anywhere there's an internet connection.

• QuickBooks Software: Your FREE QuickBooks has one of the industry's most powerful merchant solutions built right into it: QuickBooks Merchant Solutions. Transactions are processed right in the software, so all data is automatically recorded in your QuickBooks, saving you up to 2 hours per week in manual data entry. Plus, your records are always up-to-date, making reconciliation much easier.

• Terminals: If your business does a mix of face-to-face and card-not-present sales, use one of the terminals listed above. You'll be able to manually key-in transactions and still be able to swipe cards to qualify for the lower, card-swiped rate.

For more information about these options, see our Products section. No matter which option you choose, you'll get set up quickly with a robust card processing solution.

Integration with QuickBooks

Are you a QuickBooks user? With just a few clicks of the mouse our solutions automatically download transactions into your QuickBooks. Eliminate the need to record your sales data by hand.

See how it works! (2 min. tour):

Trust Innovative

IMS is part of Intuit, makers of QuickBooks, Quicken, and Turbo-Tax. Over 25 million customers trust us to manage their personal and small business finances, and our merchants process more than $5 Billion in transactions annually.

Well get you up-and-running quickly and easily:

• Fast Approval: Apply in only five minutes through our online form or by calling (866) 927-7180. And we approve 98% of all applications.²
• Low Start-Up Costs: We'll give you virtual terminal software³ and QuickBooks for FREE. Want a terminal instead? We work with major equipment manufacturers to offer you discounted rates and speedy delivery. We'll even reprogram your existing one for FREE!¹
• Keep Your Bank Account: Your money will be automatically deposited into your existing bank account usually within 2-3 business days.

Have Questions?

We have fast, friendly support! Our LIVE Merchant Experts are available 24/7/365 and answer every call within 30 seconds.

Or Call Us at (866) 927-7180!

¹ Not all existing terminals can be reprogrammed. A new purchase may be necessary. Terminals are available separately to lease or buy. Please call (866) 927-7180 for details.

² Three months of transaction statements required. We will review your rates from your current provider and try our best to meet or beat your current rates. Call (866) 927-7180 for details.

³ Virtual Terminal requires an Internet connection on a Windows PC and at least Internet Explorer 5.0.

Application approval is required. Fees apply. Terms, conditions, features, pricing, support and service options are subject to change without notice. Deposit Checks 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, and Discover cards.