Compare Credit Card Processing Providers
Unlock Competitive Rates with IMS.
Discover how our tailored solutions can help your business save on transaction fees and streamline payment processes.
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Comprehensive Card Payment and Merchant Services Solutions
We offer a wide range of card payment options, ensuring seamless transactions for your business, whether in-store or online.
Digital Payment Integration for Online Businesses
Integrate cutting-edge digital payment systems to enhance customer experience and streamline your operations.
Competitive Rates
Benefit from our expertise in analyzing and securing the most competitive rates from leading payment service providers.
Simple Steps to Obtain Your Quote
Step 1
Submit Your Request
Fill out our online form with your business details and payment needs to get started.
Step 2
Receive Tailored Solutions
Traditional merchant accounts commonly use interchange plus pricing and dedicated customer support, while aggregators often offer instant onboarding, flat-rate pricing, and no long-term contracts, which can suit businesses comparing a credit card processor or the best payment processing companies.
Provider fit varies by profile: Adyen can suit larger businesses processing high volumes, PaymentCloud is known for high risk merchants, and responsive support matters when reviewing merchant services or compare credit card processing options because billing or account issues need quick help.
Step 3
Review and Choose
Compare the customized quotes we provide and select the perfect fit for your business by reviewing the pricing structure, support, and contract terms, including transparent pricing for card processing fees, credit card processing fees, credit card fees, and credit card processing rates rather than just headline payment processing fees. Review any monthly fee obligations, early termination fees, cancellation fees, gateway fees, monthly minimums, and possible compliance penalties, as hidden fees can inflate payment processing costs. Also check whether chargeback fees and other processing fees could materially increase total costs, even when advertised rates look low.
Factors Influencing Your Credit Card Processing Fees Quote
When determining your quote, we consider transaction volumes, average ticket size, and your business model, because the right pricing model depends on how you sell as much as what you sell. Flat rate pricing is simple and often suits small businesses with low-volume or unpredictable sales, with payment processing costs averaging around 2.6% per transaction and about 2.6% for in-person credit card processing. The interchange plus pricing model shows exact transaction costs by separating interchange fees from the processor markup, and it is often more cost-effective for higher transaction volumes. With tiered pricing, transactions are grouped into qualified, mid-qualified, and nonqualified categories, while subscription pricing uses a monthly fee in exchange for lower transaction rates. Additionally, factors such as payment methods, security requirements, and integration needs play a crucial role in shaping the final pricing structure.
Our goal is to help you compare credit card processing clearly, including how card processing works with POS systems, payment terminals, accounting software, and other business software or inventory tools to reduce manual reconciliation, cut manual data entry, and lower human error. Payout speed also affects cash flow, and total credit card processing rates typically fall in the 1.3% to 3.5% range depending on setup.
Request Your Customized Payment Quote Today
Discover how easy it is to get a personalized quote for your business’s online payments and in person payments needs. A payment gateway supports online credit card processing by authorizing online credit card payments and securely transmitting data from an online store or point of sale to the processor. At IMS, we help businesses accept payments with accepted payment methods that include credit card payments on major brands such as Visa and Mastercard, debit cards, mobile wallets like Apple Pay and Google Pay, and ach payments for invoicing. Some solutions also help you accept credit card payments with payment links, buy now, pay later or split payments, plus modern in person transactions and in person setups using POS systems for chip and contactless cards.
What Our Clients Say
Get the Best Quotes for Card and Digital Payments
Unlock Competitive Rates with IMS
Discover how our tailored solutions can help your business save on transaction fees and streamline payment processes.
Common Questions About Our Quoting Process
How do I request a quote for payment services?
To request a quote, simply fill out our online form with your business details. Our team will review your information, including your sales channels and whether you need online payments, in-person processing, or both, then connect you with the best payment service providers for your needs. If you need online credit card processing, the quote may also assess your payment gateway options, including open-source gateways that make switching between processors easier and proprietary gateways that can create lock-in. Recommended providers should support PCI DSS compliance, encryption to protect cardholder data, tokenization, fraud prevention tools such as CVV and AVS verification, 3D Secure authentication for online transactions, and chargeback management tools.
What information do I need to provide for a quote?
You’ll need to provide basic information about your business, including transaction volume, average transaction size, and any specific payment features you require.
How long does it take to receive a quote?
Once you submit your request, you can expect to receive your personalized quotes within 48 hours.
Are there any hidden fees for requesting a quote?
No, requesting a quote through IMS is completely free. We aim to provide you with the best options without any upfront costs.
Can I compare quotes from different providers?
Yes, our service allows you to compare quotes from multiple top-tier providers, ensuring you find the best solution for your business.
Get Your Custom Quote Today
Unlock the best rates for card and digital payment solutions by requesting a personalized quote from IMS. We help compare credit card processing options for online businesses and other small businesses, with quotes tailored to each company’s sales channels and growth plans. Don’t miss out on optimizing your payment processes—contact us now to get started!