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iPayTotal Leaders in high-risk payment processing

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iPayTotal Leaders in high-risk payment processing

Tell us about the company.     

iPayTotal is a rapidly growing provider of high-risk payment solutions for various businesses. It offers customizable payment solutions at competitive prices while providing multiple layers of security. The company’s tailor-made package includes an arrangement of a merchant account (MID) with one of its international acquiring banking partners, with an award-winning payment gateway service, reporting tools, integrated fraud-prevention, and free dedicated lifetime support.

The organization brings transparency and standards to the high-risk payment processing industry, providing businesses with the most competitive deals in high-risk merchant accounts suited to their needs. The company offers these solutions in integrated packages that will perfectly adjust to the client’s company card payment requirements.     

iPayTotal is a global payments company, we can assist merchants in creating high-risk merchant account and provide them with customized online fraud-free credit card processing solutions. We believe that merchants deserve better.  We provide a system that delivers a seamless experience and drives growth. We take time to understand any business’s operational challenges and present cost-effective solutions to improve inefficiencies, and in turn, increase profitability.      

Apart from our headquarters in the UK, we have operations in the Philippines, India, and across the US. We continue to grow serving millions of customers across all market segments… wherever they are in the world.   Our National and International Connections with Acquiring Partners gives us the edge to offer reliable Credit & Debit Processing to almost every industry which is considered low or high risk.  

As the world’s digital demands continue to rise, we are proud to have our in-house developed white label gateway solution with one of the best payment technology today. And as our company grows in parallel to such demands, we also want to acknowledge our great relationships with international banking institutions around the world to provide IBAN and SWIFT banking solutions.  

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What were the initial challenges you faced?  

Success, like every growth, needs nurturing. In the business industry, thousands of ideas are generated, and millions are rejected. However, iPayTotal Ltd was not such an idea. iPayTotal Ltd was an idea started by three people three years ago, and their aims were clear: they were going to make it work.   They planted this small seed, but they didn’t hope for it to just grow on its own; they nurtured the growth of the company to put it up on its feet where it is today.   Through intricately handled meetings, teams, and designs, they went up against every obstacle, only to come out stronger and bigger.  

There were hindrances and hardships, but there was more hard work and ambition.   Every entangled situation was thought over to provide the best service that we do to date. And with this, we can say that we are an international company, with offices in countries like United States, Canada, Philippines, Singapore, United Kingdom, Hong Kong, India, and South Africa, providing services from Payment Acquiring to IBAN Accounts to Prepaid Cards, with partnerships and alliances with the top-level banks and financial organizations all around the globe.  

We believe that every idea needs encouragement, and with our services, we want to make your growth conducive, because greatness starts from small beginnings. To celebrate our third anniversary, we have decided to grow BIG and we are planning to go offshore to cater to the whole world as a licensed institution.

We have faced many different challenges over the years. We struggled initially to understand various fraudulent activities and then worked on to provide high safety systems. Now our international payment gateway provides powerful built-in fraud prevention filters and monitoring tools based on client behavior, ensuring any suspicious activity is blocked.      

Which was that point that triggered the growth of the company?  

Although many industry initiatives focus on fraud and identity theft, the reality is that a significant percentage of financial losses associated with credit, and debit payments are the result of organized crime, business failures, inadequate monitoring of merchant accounts & financial loss from unfunded chargebacks. 

As the saying goes, “Experience is the best teacher“. With time and experience, the company as a payment processing provider has evolved its technology to such an extent to detect the crime of financial fraud. iPayTotal’s risk management team along with its partnered acquirers, PayFacs, and processors have launched this program that benefits the payment processing industry and assures them of complete satisfaction and confidence when reviewing any particular merchant’s case.

This program would not only help its payment processing industry but also gives the first time merchants a scope or a window to judge an acquirer, a PayFac, or a processor before blindly going with the reviews available online. iPayTotal’s Payment Gateway has a built-in ’Risk’ logic, which can sniff out a possible fraud faster than a K9 squad. Its ’Risk’ logic also has 72 odd rules for monitoring the thousands of transactions on the company’s payment gateway daily. Every time a card is used for payment, the company’s gateway connects with the card provider to check if the card has been hot listed. (Hot listing means that the card has been blocked temporarily or permanently for use).

At iPayTotal, the agenda is to ensure that a customer’s business can process credit card payments with a high-risk merchant account. Once we started understanding challenges faced by the merchants, our team started working on those regions at the same time we started providing unparalleled support. This helped us in significant growth.        

What is the reason behind your company’s long-standing success?           

We have a strong team who believes in accomplishing the company’s mission. We know payments and always make payment processing experience simple and enjoyable and hassle-free for our customers. We have been in this industry and experience has helped us get better. We know how important your time is to you,   and we work hard to make sure you are moving quickly towards your goal of building your business. 

We are leading in Customer Service. Our team will attend to you whenever you need them. From sales to technical issues, we’re here 24/7 to ensure uninterrupted service. In terms of safety, we create a payment experience that is easy and secure. Extra layers of security and compliance are installed in our system that will easily detect possible fraudulent activity.

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The Products/Services- What are the products/services the company focuses on?

We focus mainly on high-risk merchant accounts. We partner directly with banks specializing in numerous high-risk industries all in efforts to get legitimate approvals and processing solutions. Our online payment gateway is an independent platform for providing safe and secure payment processing for PSP /ISO and merchants. Our PCI DSS Level 1 Certified cloud payment platform allows consumers to pay merchants securely for goods and services online, mobile, and over the telephone.    

Below is a short overview of services we provide in a most satisfied customer experience.

  • We provide end-to-end merchant account payment solutions for businesses and consumers around the globe.
  • We can set up with International bank accounts – SWIFT or IBAN, to keep the money flowing even if companies were not able to contact high street banks.  
  • We can register and set up offshore /European companies with banking solutions.  
  • We can provide a Crypto backed Bank Account and debit card.  
  • Financial Licensing and other legal projects.  
  • We also offer outsourced payment consulting services to high-risk clients with complicated setups or special requests.        

From the very first moment of contact with us, we will work to have a complete understanding of merchants business by listening to them in a compassionate and competent manner. We leverage our advanced knowledge of payments to set merchants up in a matter of hours with a low, transparent rate plan, that will save them most of the money.  

How are your services different from those in the market? 

Businesses can be considered a high-risk merchant if they operate in an industry identified as high risk by the credit card processor, or if there is a significant risk of financial obstacles inherent to the business model.

Regardless of whether you require an international payment gateway, an international merchant account, a high-risk payment solution for your start-up, a subscription account for your gaming business, a pharmacy merchant account, a travel merchant account, or set up an offshore merchant, iPayTotal can efficiently help you secure with the lowest rates for your high-risk businesses.
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Is there any specific industry you specialize in ?

Customized Forex Trading Business Payment Processing Solutions

iPayTotal is an innovative Forex payment gateway and Forex Merchant Account provider which provides tools to transform, grow, and scale your online business globally. We are recognized as the best payment solution with the essential back-end operations in place to support the Forex Trading business.

iPayTotal offers a complete set of solutions for Forex businesses to accept/make payments in a quick and convenient way. Forex businesses are considered to be high risk, which makes it difficult for business owners to set up a merchant account.

We integrate an extensive global network of banking relationships. At iPayTotal, we are an extension for Forex companies, working closely with them providing a wide variety of high-risk forex payment processing requirements, taking care of every step of the way to simplify, streamline, and strengthen your online business back-end operations. Historically this has increased client revenues up to 30-40% due to the increase in approved Forex trading transactions.

How do you decide to take the company a step further in terms of your products/services?  

It needs considerable planning and organization to step up in terms of products/services. We consult members of our team about development plans and also seek the views of merchants and other business associates. At iPayTotal Ltd, we combine our technical skills with our simple,   straightforward approach.   We always aim to provide our merchants first-class High-Risk Merchant   Account services at the most competitive fees. Be it for IBAN accounts opening, obtaining offshore accounts, and financial licensing…

We escalate solutions and possibilities to help our clients scale deliberately, increase profitability, and achieve long-term viability.   Our commitment is a promise to ourselves to live the values that our employees created; Pioneering, Courageous, Open, and Focused. Our four values are the heart of everything we do and inspires how we work together.  

With iPayTotal you not only get a merchant account but a full-fledged payment gateway that can be either integrated to your website or to any cashier system or software that you are using. We are integrated with Bridger pay, Naspay, Airsoft, Konnective, and many more cashier systems for forex merchants. Our featured gateways provide powerful built-in fraud prevention filters and monitoring tools based on client behavior, ensuring any suspicious activity is blocked fast.

Is there any new addition to the list of products/services? Anything exciting you would like to share?  

MOBAM, an iPayTotal Vertical, is a new end-to-end merchant onboarding and payment gateway solution that reduces technical complexity.  The solution eliminates the hurdle of complicated integration and removes holdup to business growth for PSPs, ISOs, and acquirers. The company’s latest merchant onboarding and payment processing technology enables both innovation and cost savings that is at the core of all iPayTotal white label global Merchant Onboarding and payment gateway solutions.  The system is tailored to meet all needs of payment service providers, ISOs, acquirers, Independent Software Vendor (ISV), and Value-Added Reseller (VAR).

MOBAM is a highly scalable and PCI-certified payment orchestration platform for White Label Clients and Enterprise Merchants. The modern, easily extendable architecture provides intelligent routing and cascading as well as state-of-the-art risk management functions as well as centralized reconciliation and settlements along with plugin-based integration of Acquirers and Payment Service Providers. Our white-label payment gateway is being used by many clients globally.  


Auto Merchant Onboarding Auto Assignments to the Boarding network

AI-based document and identity verification

API integration with more than 100 banks and PSPs.

Custom API development Reporting based on multiple parameters.

Referral Agent and BANK integration and Management Chargeback and Refund Management Financial Report generation  


MOBAM™’s future is to build the most demanded business features such as:

Virtual Card Instant Generation

IBAN generation

Swift Account Transfer

Crypto Payments

Crypto to Fiat Currency  

If you’re looking for a merchant onboarding system and payment gateway that operates under your own brand, we have just what you need. MOBAM™ offers fully brandable, easily integrated white label solutions, including payment processing, Software as a Service (SaaS), and standalone packages with the highest level of technology and security in the payment card industry. 

Detail us about banking underwriting process.

The merchant account underwriting process can be really overwhelming. At iPayTotal, the underwriter will look at the merchants financial history and how long the merchant is in the business and also evaluate the risk factor of a business. The merchant needs to submit all the necessary documents which will be closely monitored by our underwriter and then we submit the application and documents to the acquiring bank. To sign up with us you need to register on our online application portal.

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This will allow our agents to start the pre-screening and assessment process. With the provided information about your company, the nature of the business, and sales volume summary. We are able to narrow down to a few acquiring banks on which your new merchant account can be placed in our opinion. Within 1-3 business days after receiving your application form, we have a good idea which banking partners are able to consider opening a merchant account for your business.

Our international connections with Acquiring Partners give us the edge to offer reliable credit, debit, and Echeck processing to almost every high-risk industry, no matter if you are located in the USA, Australia, Latin America, EU, or Africa. We have the capabilities of securing the right payment processor for your high-risk merchant account.

Today, consumers expect to shop for your products or services online, therefore it is vital to offer a secure and efficient E-commerce experience, otherwise, you’re missing out on significant sales revenue. We understand your need to offer a hassle-free solution. We review your business details and select appropriate banking partners amongst our network of banking partners and regulated EU payment institutions. For no additional fee, we work closely with you throughout the application process.

How can high-risk merchant be a saviour?

There are several reasons why a processor might label a merchant as ‘high risk.’ Some characteristics that identify high-risk businesses are superficial factors based on the business’s industry or clientele, while others are directly related to the merchant’s business practices.

If you run an online business with a higher risk of chargebacks and want to process credit card transactions, that’s when you need a high-risk merchant account. Let’s take an example of high-risk businesses is the travel industry, as there are various factors there that can cause cancellations. This usually ends up with a large number of refunds and customers who file chargebacks. Few others are gambling, forex trading, and adult-themed websites, etc

So if you run a business in the industries mentioned above or similar, you will definitely need a high-risk merchant account to accept credit card payments on your website.

We have dealt with thousands of merchants and we understand how difficult it is for high-risk merchants. So we have designed our system keeping high-risk merchants in mind. If you are a high-risk merchant you can always contact us, even if you are not our customer we will be happy to help you with your questions.

What makes your team unique?  

We make our employees feel valued and appreciated. We connect with the employees which have helped us form a dedicated, long-term team.   We have a diverse team where everyone is unique and have excellent communication with their colleagues and they focus on goals and results which makes our team unique.  

We communicate openly with each other, sharing our thoughts, opinions, and ideas with members of our team;  as well as taking into consideration what others have to say. Each member of the team contributes their fair share of the workload and fully understands what their responsibilities are and where they fit in with the running of the business. They feel a sense of belonging to the team, are committed to their work, and really care about the success of the company.

Everyone in our team is unique and is able to offer their own experiences and knowledge that others may not possess. Diversity is needed so that all of the required skills are covered by somebody in the team and each individual can be assigned a particular role on the basis of their strengths and skills. A variety of personalities, age groups, cultures, etc. also brings creativity and a broad range of ideas to the table.

What are your future strategies to grow the company ?

Improve customer engagement and customer satisfaction.

Collaborations with Global Banking providers to be able to provide a plethora of solutions to our customers.

Working on our technology to make it better, safer, and secure in the future.

Increase the strength of our partner network.

Focus on Leadership Skills for Team Members



Alfred Munoz Veteran, Entrepreneur, and Licensed Real Estate Professional

Founder & Editor-In-Chief of Muzique Magazine Alfred Munoz, is an American Army Veteran, Entrepreneur, and Real Estate Advisor with over 20 years of experience in the Music Industry, Leadership, Management, and Branding.


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