“Apply online 24 hours a day, 7 days a week, 365 days a year.”
iPayTotal Ltd
Accredited partners with over 20 UK, European and Worldwide acquiring banks

How to prepare and apply for
a merchant account with iPayTotal ?

Apply Online

To sign up for one of our merchant accounts, please complete the online application. In many cases, depending on the application, you will receive a decision within 24-48 Hrs via email.

If we can indeed help you we will email out all the documents as well as provide all the costs and fees.

Sign Up

To sign up with us you need to register on our online application portal. This will allow our agents to start the prescreening and assessment process. With provided information about your company, nature of business and sales volume summary.we are able to narrow down to few acquiring banks on which your new merchant account can be placed by 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.

Complete the relevant documents

When you apply online you will receive an email informing you if you have passed the initial stage or not. If so, you will receive an email with a short list of supporting documents to return.

Once all forms and supporting documents have been received back to us (if requested), your application will be assessed, you will then be contacted with a decision. You will also be contacted if any questions regarding your application arise.

Please note that we always try and pre-approve an application before requesting further documents

Please also be aware that if there are any problems with the paperwork submitted, such as incomplete data or inconsistencies, those issues will delay account approval. We find that when an application takes longer than anticipated, 9 out of 10 times this was down to the fact that the merchant did not provide everything asked of them or that their website did not comply as requested.

Go Live !

Once your account has been approved you will be notified via email. We will then set-up and provide the relevant integration test accounts and technical support back office. The relevant contracts and agreements will then be drawn up and sent to you (again, via email).

If you are still integrating your website when we make you live, you can start to use your Virtual Terminal straight away. With the High-Risk Merchant Account and Gateway you must have had your website integrated and tested before this can happen.

Need support?

Connect to one of our live agent NOW!

The experience with iPay Total Ltd. is a very good experience in an overall perspective. Nice and helpful staff, a lot of support during the process of processing transactions, and also good territorial coverage are the most important positive features of this provider (although they are still working on widening of the same).

Michał Telka
Chairman, Bluewater Corp


Please make sure that your website is compliant according to the VISA / MASTERCARD requirements.

Every merchant accepting credit card payments through the website (as well as MOTO-only merchants) needs to present a website that is fully compliant by Visa/MC compliance guidelines.

These will have to be fully completed before you can begin taking live payments, however if your website is perhaps currently still under construction and does not include all necessary items, you can still proceed with Precheck and Application stage, by providing an access to your beta website where the underwriter can review at least basic information on your products/services.

Signing up to iPayTotal is free
and takes under 5 minutes.

“We’ve simplified the application process so that you can apply online for our merchant account at the same time as our payment gateway” 

Once you have completed the secure online application, you will be contacted via email informing you if you have passed the initial stage or not.

Apply Now for merchant Account Today