Innovative E-Pay Solutions, Inc. (IES) Specializes in providing legitimate and low costing credit/debit card, HSA, ACH and RCC Merchant Processing Accounts for Collection Agencies.  We have been doing so for over 15 years and for over 600 Agencies.  We have FDCPA Certified Agents on our staff and we are long-time members of the ACA. With IES, your company will save a significant amount of money every month on processing costs.