Payments Made Simple
Innovate Your World

Call Today! 1-855-888-EPAY

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Save Thousands of Dollars in Processing Fees


IES supports a robust range of payment types and gateway solutions. We are your convenient One-Stop Shop for all your payment processing and solutions needs. You can accept Credit, Debit, and Pre-Paid Cards, Gift & Loyalty Programs,  EBT, ACH, Electronic Checks, and Remotely Created Checks. Additionally, we offer HSA/FSA card account acceptance for Medical & Billing practices.

Our merchant account programs offer security, fraud prevention, chargeback mitigation, unlimited customized reports, recurring billing, cloud-based data, and much more. Our secure payment methods are optimized to save time and reduce errors while allowing for easy batching and reconciliation.

  • Secure, Responsive, Real-Time API.
  • Advanced Administration Panel.
  • Real-time Chargeback Mitigation.
  • Web-enabled Payment Portal.
  • Scalable Digital Payments Platforms.
  • Cross Border – Multi currency Payment Options.
  • Comprehensive Fraud protection tools.
  • QuickBooks Integration.
Accounts Receivable

Solutions for Collection Agencies, Billing Service Providers, Extended Business Offices, Debt Purchasers, High Volume Receivables. Accept all payment types/all payment channels, payment plans, scheduled, recurring, balance settlement negotiations.

Healthcare Medical
& Dental Billings

Collect co-pays and full payments at the time of service. Accept payments directly or by 3rd party, including HSA/Flex cards. Direct funding to you alleviates remittance delays, reduces errors, streamlines posting. Accept all payment types/all payment channels, payment plans, scheduled, recurring, balance settlement negotiations.

Utility Providers

Allow consumers to access invoices and payment history, and to self-pay online and through phone automation. Benefit from reduced operation time and expense. No Fee Program options allow you to assess a convenience fee at the time of payment, effectively eliminating your payment processing fees altogether.

Law Practices

Law Firms, Private Practices, Arbitrators, Collection Services. Our FDCPA, PCI, and HIPPA Compliant Payment Solutions are individualized and tailored for your specialty area, the services you provide, and your clients’ needs. Accept all payment types through all payment channels, payment plans, scheduled, recurring, balance settlement negotiations.


Businesses whose customers are primarily present at time of sale/purchase. Transactions are swiped via terminal or contactless payment system. POS options streamline your sales process, operations, and inventory management. Additional options: standard terminals, wireless equipment, shopping cart integrations, gift & loyalty programs, and more.


For merchants who are selling exclusively over the internet, we offer Free integrations with essentially all the major Shopping Carts. Our full E-commerce platform includes partners such as Shopify. With either approach, our Web Design and Development Team can assist with everything you need to get started today.

Cash Discount IN-NO Pay

Reduce your processing fees by 80-90% with our Cash Discount Program. The program allows businesses to apply a small service charge to each sale, which is then eliminated (discounted) when the customer pays by cash or check. Cash Discount has been available for many years to higher education, municipals, gas stations, and utilities, but only recently became allowable for independent business owners. Our program meets all federal, state, and card provider cash discount regulations.

Convenience Fee/ No cost

Eliminates processing costs on all eligible transactions by utilizing the only fully compliant Convenience Fee Solution available on the market. Meets all State and Federal regulations, Card Association rules, and the FDCPA. Options to integrate into Web Applications, Desktop Applications, Mobile, and IVR with full PCI Compliance. Process a single payment, which includes the principal amount and a flat amount for the convenience fee, ensuring Card Association compliance.


Industry-specific solutions custom tailored to your individual needs

  • Property Management
  • Municipalities
  • Student Loans & more


IES stays aware of industry Compliances, Regulations and Best Practices such as:


  • Simple & Secure
  • Software Integrations
  • Compliance
  • Regulatory Guidance
  • Electronic Payments
  • Customer Centric
  • Quality Service





As a second-generation collector and industry leader, I have been keenly aware of the importance of developing solid partnerships with reputable, professional industry vendors.  The management team at Innovative E-Pay Solutions brings years of integrity and credence to their organization.  Jennifer Brummett is recognized as a knowledgeable and caring partner offering agencies solid programs and choices. Gary Adams brings a level of expertise and clarity to what can be a confusing and misunderstood segment of the ARM space.  Together they create a team that I trust and gladly recommend to my many friends and colleagues!

Harry A. Strausser III, MCE, IFCCE, CCCO

President, Interact Training & Development

President, MidAtlantic Collectors Association

Jennifer knows ARM, and has positioned herself and teams to make sure we get what we need at a price we need it at.  When I have need for support, the response is timely.  When Visa and Operation Chokepoint were trying to beat our industry into not taking card payments, Jennifer and her team not only reassured me I would be up and running in no time, they found me a workaround until I had a resolution.  They quickly aligned themselves with a redundant system to ensure no Collector under their umbrella would be left out to dry.

With the knowledge of what service to expect from this vendor,  I am now in the process of moving my check processing to them – and I am going to save 30%!

Joseph Leventhal – President, Professional Collectors Corp.

Since The Collection Connection has been using IES Innovative E-Pay Solutions, our collection staff is able to take payments quickly and efficiently using the multiple features the software offers. Our online users enjoy the convenience and simplicity of making payments using the link on our website.

We are grateful to the staff of IES, especially Matt and Jennifer as they helped us from day one and have called multiple times to follow up to see that we are happy and that we are taking full advantage of all the features IES has to offer. With a great product comes great customer service, and Matt and Jennifer exemplify that motto.”

Elaine Goldstein, Owner

Robert Garry, Collection Manager

Fantastic things happen through change, initially change can be scary but it often leads to better things.
With IES and MKS it absolutely does! Batch upload is so much faster, simpler, and easier than ever before! Plus, there’s NO MORE data manipulation or transaction parsing. With the full integration, the partnership brings us real-time payments and the results post automatically. Not only do I work for
Micro Key but I too use our product and the integration and absolutely love it.

Cynthia “Cindy” Clarke

Accounting Representative / Administrative Support

Micro Key Solutions

Our customers have been working with IES team members for years. It is always easy for me to provide a reference for IES because they value our mutual customers as much as we do.

Dan Hornung – President

Get started.

It’s easier than you think!

Merchant Account Programs designed to help any size business succeed in today’s marketplace. Call 1-855-888 EPAY or fill out the form below.