Merchant Services

INTEGRA supports a variety of payment solutions to help manage your payment processing needs through our partnership with Merchant Support Network. Whether it is debit and credit card acceptance, a gift card program, electronic check conversion, wireless terminals, cell phone payment capability, or high-speed terminals, we offer all types of electronic payment processing solutions, all processed securely.

Here is an overview of some of the merchant services INTEGRA offers through Merchant Support Network’s electronic commerce solutions.

Credit Card Acceptance

Tap into the power of the most widely used electronic payment options including Visa®, MasterCard®, Discover®, American Express®, Diners Club International® and JCB® transactions.

Debit Card Solutions

Through direct connections to all major debit networks, we ensure that merchants are ready to accommodate the fastest growing form of electronic payment—PIN-based and signature-based debit transactions.

Gift Card Programs

Consumers are purchasing more gift cards at higher values than ever before. Merchants are benefiting because gift card users tend to spend more than the issuing value of the card. Easier to track and implement than paper certificates, gift cards help reduce fraud and losses by receiving payments up front.  Statistics show that only 40% of gift cards issued are ever redeemed.

Electronic Check Conversion

Checks are still a popular payment option for consumers and an opportunity for merchants. Utilizing TeleCheck Electronic Check Acceptance® (ECA®) service, merchants are able to minimize returned checks by converting a paper check into an electronic purchase right at the point of sale. Checks processed with ECA are automatically deposited directly to the merchant’s account within 48 hours.

Wireless Terminal Solutions

Wireless terminals are an ideal solution for businesses such as delivery services, taxis/limos, towing, quick-service restaurants and casual dining. Merchants utilizing wireless solutions receive card-present rates and further benefit from reduction in fraud and chargebacks.

One Statement, One Customer Service Number

Get MasterCard®, Visa®, Discover® Network and American Express® transactions all on one statement with one customer service contact number.

Looking for Lower Credit Card Processing Rates?

You’ve Come to the Right Place

Do you accept credit and debit card payments for the products or services you offer? If so, the rates you are paying have most likely increased over time. Integra has partnered with Merchant Support Network to bring you some of the best credit card processing rates available.

Here’s what sets our credit card processing solution apart:

  • Lower rates – Why? We give you access to our ‘national account’ credit card processing rates
  • Rate lock guarantee – Simply stated, your processing rates will NOT increase over time

Small Business Access to National Account Rates

Many companies claim they offer their clients the best credit card processing rates available. But we really do. And here’s why. Through our partnership with Merchant Support Network, our payroll clients have access to credit card processing rates that are usually reserved for large, national accounts. No matter what size your business is INTEGRA gives you access to these great rates. Still not convinced? Ask us for a free credit card processing rate quote. In the two real life examples below, Integra clients saved a little over $2,300 and $5,000 annually because of these national account credit card processing rates.

Learn About Our Industry First, Rate Lock Guarantee

INTEGRA payroll clients will receive a rate lock guarantee when they sign up for credit card processing through Merchant Support Network. This means that as long as you’re an INTEGRA client, your credit card processing rates are guaranteed. Our rate lock guarantee is a first for the payroll industry. No other payroll provider offers this kind of guarantee.

Show About Next Day Funding for Credit Card Transactions?

If your business has an account with Citibank, you get an even bigger benefit… with next day funding on credit card processing. For weekend transactions, funding is guaranteed by 10 a.m. on Monday. Want to compare our rates to what you are currently paying? See how INTEGRA’s merchant services program can save your business money with guaranteed credit card processing rates.

Want to Save 10% - 20% or More on Credit Card Processing?

Discover how much money you can save on your credit card processing rates! Depending on your monthly credit card volume, we estimate, on average… that our merchant services rates could save your company between $600 and $2,000 annually. In some cases, your savings could be more if your volume is greater than $100,000 a month.


 Auto Sales Company in North Carolina

Annual Savings – $2,322!

  • Average # of monthly transactions: 169
  • Average transaction amount: $163.66
  • Average monthly volume: $27,658.96
  • Monthly Savings: $193.50
  • Total Savings Percentage: 22%
  • Annual Savings: $2,322
  • Savings over 3 Years: $7,835.37

Car Care Center in Connecticut

Annual Savings – $5,064!

  • Average # of monthly transactions: 580
  • Average transaction amount: $236.50
  • Average monthly volume: $137,171
  • Monthly Savings: $421.96
  • Total Savings Percentage: 13%
  • Annual Savings: $5,063.50
  • Savings over 3 Years:    $17,086.29