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iPayTotal will get you approved today for a low or high risk merchant account at the most competitive rates.
About us Apply Now We are High Risk MerchantAccount Specialists Our high risk merchant accounts are our primary focus and handled with the highest respect and care that iPay is known for.

We get you approved within 24 hours.

International Payment Gateway

iPayTotal can assist you in creating your high-risk merchant account and provide you with customized credit card processing solutions. We can guide you through the banking underwriting process.

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.

high risk payment processing

What we do

IBAN Accounts

Accounts are provided directly, with no intermediaries. We offer full assistance in opening your IBAN account in your most preferred location.

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Selling a product and want to set the price in a specific currency?. With Crypto-processing you don’t even have to bother about charge backs anymore.

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Offshore Company incorporation

We offer a full spectrum of incorporation services and are seasoned experts in forming companies in over 83 countries.

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Merchant Accounts

Connect your business to a qualified merchant account provider without traveling to anywhere .

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Offshore Bank Accounts

We’ve established a close and continuous working relationship with a great number of international banks.

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Prepaid Cards

This stops companies from taking drastic measures like downsizing or closing down sites; those things happen only with no.

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Customized Credit Card
Processing Solutions

Growing your brand through Customized Payments.


In order to maximize your revenues and avoid losses, every merchant should put in place restrictions to keep fraudulent shoppers away, but at the same time ensuring a smooth process for your customers. Our international payment gateway provides powerful built-in fraud prevention filters and monitoring tools based on client behavior, ensuring any suspicious activity is blocked.

Our Dashboard gives you accurate, real-time transaction data from anywhere in the world, on any device. Keep track of your transactions at all times with automated reports and in-depth visualizations. Our global payment gateway and its modern reporting tools will help you keep track of your entire account without spending countless hours tracking your sales.

Award-winning payment gateway for efficient and secure transactions

Online International Payment Gateway

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.

online international payment gateway
iPayTotal Support Team

iPayTotal offers a complete customer support operation on demand. We answer tickets for you, 24/7, while regularly training and improving our team.

We are a company that provides insight and help to customers who need it. This is not only the idea behind our company but the passion for each employee who works with us. Our company is a family and each of us have a common personality trait, passion. We hire driven people who have a passion for helping others, to protect our customers in their career.

Our goal is always to put the customer first. We do this by making sure our knowledge of the industry is always up-to-date so we can provide the best advice.

We love the satisfaction we get everyday by helping you! Having the answers to tough questions makes our jobs worthwhile.


Eliminate Charge backsIf you want to completely protect yourself from charge backs, then our charge back protection service is for you.

Our advanced and integrated chargeback management system will reduce your chargeback rate, and remove the operational burden of chargebacks from your organization. Our comprehensive chargeback management has produced an overall (online/IVR/in-person) chargeback rate of less than 0.002% (less than 1 in 50,000 card transactions are charged back). We have an even more impressive in-­person chargeback rate of only 0.00057% (less than 1 in 175,000 card transactions are charged back). That’s over 10 times better than the industry average.

Offshore High Risk Payment Solutions

We are dedicated to going above and beyond for our customers. iPaytotal wants to be a game-changer within high-risk industries. At iPayTotal, we make it our mission to ensure that your business can process credit card payments with a high-risk merchant account.

We partner directly with banks specializing in numerous high-risk industries; all in efforts to get you legitimate approvals and processing solutions. We offer the kind of value and personalized service your business needs to get off the ground and grow.

Our support team will work with you to identify the best merchant services and payment products to fit your needs. And, whether you have a question about your merchant account, need help with chargebacks, or have a question about your statements, our representatives are here to help 24/7.

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