I became a customer of Innovative Merchant Solutions in July of 2007 when I took over an existing small business. It happened fairly quickly so I didn't take the time I should have in searching for a credit card processor. The previous owner used Quickbooks Point of Sale and also used Quickbook's credit card processor, which is IMS in disguise. After going through the application process which took about 2 weeks, I was informed that due to my lack of credit history and since I was a new business owner, that they required a... read full review »