ATM Ownership

Our ATM processing enables you to give your customers what they want, and keep them coming back. International Merchant Services, Inc. (IMS) is registered with the most networks possible, resulting in faster and more reliable connections.

More Direct Network Processing Connections

More direct network connections mean more approved transactions, meaning more cardholders with cash in hand. A cardholder can only access the cash in their bank account if the ATM processing network they use can access their bank's electronic funds transfer network. That’s why IMS is registered with each of the major electronic funds transfer networks. In addition, by developing these strategic relationships, we are registered with a number of smaller networks not normally accessible to independent ATM providers.

Most of our competitors depend upon reciprocal agreements between regional and bank-owned networks for their customers' access. Since this is more expensive, more banks than before are choosing not to honor this type of access. This makes registration with all networks even more imperative and our position in the marketplace even more secure.

Transaction Processing Networks

A transaction processing network means an arrangement where more than one ATM and more than one bank are interconnected by electronic means, to one or more processors for the purpose of providing ATM services to retail customers of banks.

Electronic Fund Transfer Transaction Processing Networks

An electronic funds transfer (EFT) refers to computer-based systems used to perform financial transactions electronically. An EFT may be initiated by a cardholder when a payment card such as a credit card or debit card is used. This may take place at an automated teller machine (ATM) or point of sale (POS), or when the card is not present, which covers cards used for mail order, telephone order and internet purchases.

Our Network Has Virtually No Downtime

We measure downtime in minutes per month vs. hours per week. At IMS, network downtime is less than .02% percent - which means we are up 99.98% per year.

Daily True Balance

With IMS processing, our True Balance Software helps you compare and balance the cash debited with the actual cash dispensed. If the debit and dispense totals don’t match, just call our toll-free Customer Service number and we’ll identify the cardholder and reverse the debit…all before it hits their bank statement.

Next Day Bank Funding

IMS doesn’t wait for networks, banks and slow credit card companies to pay us before we pay you. We put the monies withdrawn from your ATM into your bank account the very next business day so you can count on accurate and fast cash replenishment daily.