Integrity Merchant Solutions

What Integrity Merchant Solutions does

Integrity Merchant Solutions, LLC (IMS) is a privately held, veteran-owned payment processing company founded in 2008 by Sean McGrail and Larry Glick and headquartered in Glastonbury, Connecticut. The company operates as a registered Independent Sales Organization (ISO) of Wells Fargo Bank, N.A., and delivers credit card processing, point-of-sale (POS) systems, payment gateways, mobile processing, and ecommerce solutions to SMB and mid-market merchants across at least twelve verticals including healthcare, retail, restaurants, jewelry, petroleum, automotive, parking, non-profits, B2B, and education. Its technology portfolio is built on partner integrations rather than proprietary systems, spanning Fiserv (First Data), Clover, TSYS, MobiusPay, NMI, Authorize.net, USAePay, PayTrace, PAX terminals, and SecurityMetrics for PCI compliance, with product modules covering EMV chip, contactless/tap-to-pay, Apple Pay, Google Pay, recurring payments, text-to-pay, digital invoicing, and Level 3 gateways.

IMS generates revenue primarily through transaction-based fees on payment processing volume and secondarily through POS hardware and terminal sales. Pricing is quote-based and tailored by business type and volume, with contractual commitments of month-to-month terms, no hidden fees, and no processor rate increases for existing clients. The go-to-market is direct-to-consumer via phone, email, website contact forms, and free no-obligation savings analyses, supplemented by a referral and partner channel. The company maintains BBB accreditation with zero complaints over eleven years and PCI DSS compliance, and positions its veteran-owned, privately held status as a structural advantage against public-company processors that face margin pressure to raise rates on existing merchants. Customer evidence ranges from solo entrepreneurs (Promo Logic) to multi-location enterprises (Connecticut Multispecialpy Group, 25+ locations reporting 38% cost savings), with documented savings outcomes of 30-38% versus prior processors.

Name

Integrity Merchant Solutions

Legal name

Integrity Merchant Solutions, LLC

Website

https://integritymerchantsolutions.com

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

11–50 employees

Short description

Integrity Merchant Solutions is a privately held, veteran-owned payment processor founded in 2008, serving SMBs and mid-market merchants across healthcare, retail, restaurants, and other US verticals with credit card processing, POS systems, payment gateways, and ecommerce solutions.

Ownership category

akta.pro rank

Product category

Payment Processing Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Activities Related to Credit Intermediation (5223)

SIC

Finance Services (6199)

akta.pro primary industry

Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)

akta.pro secondary industries

Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA), Card-Present Acquirers (Retail & POS Focus) (FSAMABAC), Merchant Acquiring & Card Processing (PSPs) (CRAFALAB), Recurring Billing, Subscriptions & Tokenized Payments (CRAFALAH)

Keywords

• Payment processing services
• Credit card processing
• Merchant services
• POS systems
• Payment gateway solutions

Headquarters

HQ city

Glastonbury

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Payment Processing Transaction Fees: The company generates revenue through transaction fees charged to merchants for processing credit card payments. They offer economical pricing with no hidden fees and no processor rate increases for existing clients.
2. POS Equipment and Terminals: Revenue from standalone terminals and point-of-sale systems including technology for managing payments with fraud protection and security features.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Integrity Merchant Solutions provides payment processing services that enable merchants to accept credit and debit card payments across in-person, mobile, and online channels. Its portfolio includes credit card processing, mobile processing, POS systems (including the Clover product suite), payment gateways, and ecommerce solutions, with value-added capabilities such as EMV chip processing, contactless/tap-to-pay, digital wallets, text-to-pay, recurring billing, digital invoicing, and PCI compliance support.

Product overview

Integrity Merchant Solutions offers a unified payment processing platform with multiple integrated products spanning card-present and card-not-present payment channels. The core offerings include Credit Card Processing, Mobile Credit Card Processing, POS Systems, Payment Gateway, and Ecommerce Solutions. The portfolio includes the Clover POS sub-brand for point-of-sale operations with inventory and employee management features. Payment acceptance modules include EMV Chip Processing, Contactless/Tap to Pay, Digital Wallet Integration (Apple Pay, Google Pay), Recurring Payments, Pay Now/Text to Pay, Digital Invoicing, and Secure Card Payments with PCI compliance tools. Supporting capabilities include Level 3 Gateway for B2B commercial card acceptance and Information, Analytics and Reporting for business intelligence. The company positions itself as an industry leader offering cost-containment and no-hidden-fees pricing.

Differentiator

Problem solved

Functional benefit

Products and services

• Credit Card Processing Core payment processing service enabling merchants to accept credit and debit card payments across multiple channels including in-person, mobile, and online environments. Sold to U.S. SMB and mid-market merchants seeking transparent, economical pricing.
• Mobile Credit Card Processing Mobile payment solution allowing businesses to accept credit card payments using a smartphone or tablet device, supporting on-the-go and in-store card-present transactions for SMB merchants.
• POS Systems Point-of-sale systems for in-person credit card payments, supporting smartphones, tablets, computers, mobile POS devices, terminals, self-service kiosks, and Clover product integrations for inventory, employee, and loyalty management.
• Payment Gateway Payment gateway enabling merchants to authorize and process mobile, phone, or online payments through encrypted secure feeds, supporting ecommerce, mobile, and unattended payment acceptance across devices.
• Ecommerce Solutions Online payment processing solutions enabling merchants to buy and sell products over the internet, including state-of-the-art encryption and enhanced reporting capabilities.

Quantifiable outcome

• Healthcare practice saves 30% on credit card processing costs annually
• +1 more outcomes

Named customers5 records

Segments12 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration13 records

Feature7 records

Partnerships

Seven partnerships are on record, tiered core.

• Fiserv (First Data)coreTechnology or IntegrationFiserv provides acceptance of all major payment types as the global leader in merchant services. They offer contactless payment acceptance, pay-over-the-phone capabilities, and robust ecommerce options.
• TSYScoreTechnology or IntegrationTSYS helps connect with customers wherever they are - curbside, in-store, mobile, online, in person. They provide payment processing infrastructure.
• MobiusPaycoreTechnology or IntegrationMobiusPay guarantees exceptional security and fraud prevention solutions. They are experts at reducing chargebacks while staying compliant with international rules and regulations.
• ClovercoreTechnology or IntegrationClover POS System provides faster, simpler, and safer acceptance of all major payment types. Backed by First Data. Offers fast chip card processing, 24/7 dedicated support, and secure reliable transactions. IMS provides access to the full suite of Clover products.
• Authorize.netcoreTechnology or IntegrationAuthorize.net payment gateway handles authorization, capture, and settlement of credit card transactions, sending funds to the merchant's bank.
• NMIcoreTechnology or IntegrationNMI payment gateway platform makes it easy to accept all payments across ecommerce, retail, mobile, and unattended on any device, anywhere from one platform.
• Wells Fargo Bank, N.A.coreStrategic or Co-development PartnerIntegrity Merchant Solutions, LLC is a registered Independent Sales Organization of Wells Fargo Bank, N.A., Concord, CA, providing banking infrastructure and regulatory backing for merchant services.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Heartland Payment Systems: A large ISO/merchant acquirer offering card-present and card-not-present processing to SMBs across verticals. Highly comparable business model: bank-sponsored ISO delivering payment processing with cost-containment positioning.
• National Processing: Independent sales organization offering merchant accounts and payment processing to SMBs across multiple verticals. Direct peer to IMS in the small-ISO segment.
• Payment Depot: Subscription-based payment processor targeting SMBs with transparent, interchange-plus pricing. Closely comparable to IMS as a small ISO focused on cost savings versus legacy processors.
• CDG Commerce: Payment processing provider focused on small-to-mid-sized merchants with transparent pricing. Comparable as a small ISO/PSP targeting SMBs seeking cost reduction.
• Stax (formerly Fattmerchant): Subscription-style payment processing platform serving SMBs and mid-market merchants. Comparable to IMS in merchant-acquiring role and SMB cost-containment value proposition.

Broad incumbents

• Stripe: Leading online payment processing platform serving businesses of all sizes. Overlaps with IMS in payment gateway and ecommerce processing for SMB and mid-market merchants.
• TSYS: Major payment processor serving issuers and acquirers; technology partner of IMS. Competes at the wholesale processing layer that IMS resells to merchants.
• Square (Block): Dominant SMB payments platform offering integrated POS, hardware, and software. Competes with IMS for the same SMB merchants but with vastly broader product portfolio and scale.
• PayPal: Established digital payments giant offering merchant processing, gateways, and POS. Competes with IMS across online, mobile, and in-store payment acceptance for SMBs.
• Fiserv (First Data): Global merchant acquiring and processing giant; also a technology partner of IMS via Clover and First Data rails. Competes indirectly while simultaneously enabling IMS's product stack.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/pages/category/Business-Service/Integrity-Merchant-Solutions-158873240865264
• LinkedInlinkedin.com/company/integrity-merchant-solutions

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Integrity Merchant Solutions