ILD performs payment processing services for communications companies, digital content providers, and other online vendors in North America.

In recent years, the company has been the subject of many consumer complaints as well as legal action brought by at least two states and the Federal Trade Commission.

Through contractual relationships with telephone companies like AT&T and Verizon, ILD gives merchants the opportunity to let consumers charge products and services such as long distance, internet access, collect calling, and certain digital content directly to their phone bills.

Instead of purchasing these items with a credit card, disclosing banking accounts or financial information to the merchant, consumers can have a transaction billed directly to their phone.

A visual map Archived 2009-10-23 at the Wayback Machine on the company's website illustrates the role ILD plays in payment processing.

ILD Teleservices processes in excess of 120 million transactions per year, equating to approximately $.5 billion of third-party charges placed on telephone bills.

The company has launched several initiatives designed to strengthen the security protocols of its service offering and inform consumers on alternative payment methods and ways to avoid unauthorized billing.

CERB was created, as noted on its site, "in an effort to fight the proliferation of 'cramming' (the addition of charges to a telephone bill for products or services that a consumer did not knowingly authorize)."

Though ILD processes over 120 million transactions each year for buyers and merchants—over a half of a billion dollars in purchases—only a small fraction result in disputes and chargebacks, much like credit cards.

[citation needed] As part of an ongoing effort to strengthen its Bill to Phone alternative payment offering, ILD Teleservices is rolling out new validation and authentication services, iValidateSM, to ensure security credentials are met before processing a consumer transaction.

'Rather than correcting billing problems and disputes, ILD merely repeated 800 Connect's scripted responses, which caused consumers to pay improper charges.

In December 2007 the Wisconsin Attorney General's office announced that it had reached a settlement in its consumer protection lawsuit against ILD Teleservices.

[10] In accordance with the terms of the settlement, ILD Teleservices acted to control the refund of money to anyone who had made a complaint against the two merchants processing charges through ILD Teleservices; "eChurch Network" and "ILab", "terminate a merchant as a client if cramming complaints exceed 1% for three months in any six-month period", and to submit to various other monitoring processes.

[14][15] Upon conclusion of the FTC filing, ILD instituted provisions within its contracts with merchants and refined its internal monitoring procedures to prevent similar occurrences in the future.

The company operates network facilities and inbound call centers in Dallas, San Antonio, Atlanta, Jacksonville and Fort Lauderdale with corporate headquarters in Ponte Vedra Beach, Florida.