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OverviewFeatures and Benefits

Low-Cost Processing for Mail and Phone Orders

Great for catalog, home-based businesses, and inbound and outbound telesales, anytime your customer is not present when you process the sale. In these "card-not-present" situations, you manually enter your customer's credit card with one of our flexible solutions.

Easy-to-Use, Flexible Solutions

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

  • 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.
  • 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.

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.

Fast and Easy Processing

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

  • Fast Approval: Apply in only five minutes through our online form or by calling us.
  • Low Start-Up Costs: Check out our low-cost virtual terminal software solutions. 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.

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. — View Demo

Trust Innovative

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

Have Questions?

You can always rely on Innovative Merchant Services for FREE live, person-to-person support, 24/7/365.


Apply Now Or Call Us at (707) 539-2731!

IMS of California is an independent sales agent of Innovative Merchant Solutions, LLC. Innovative Mercant Solutions, LLC is a registered agent of Westamerica Bank, Santa Rosa, CA, and JP Morgan Chase Bank, Columbus, OH. FDIC insured. Terms, conditions, pricing, features and service offerings subject to change without notice.

1. Not all existing terminals can be reprogrammed. A new purchase may be necessary. Terminals are available to lease or buy. Please call for details.