I just got ripped off my innovative merchant solutions.
I was introduced to this company by another scam called "the auction teacher." They charged me $500 up front to set up a merchant account. I was unable to get an auction website through the auction teacher even after repeated calls and effort.
Nevertheless, the merchant account started billing me $20 every month just to maintain my account. I finally decided to close the account and was surprised to find out that they debited another $395 from my account, with sent my account to overdraft causing me to incur a whole series of unexpected charges. Innovative merchant solution would absolutely not bargain with me for the over $1000 that I wasted by subscribing to their services and never using it, not even once.
Innovative merchant solution is a total rip-off. Do not use it, no matter what.