About Us iPayTotal High Risk Merchant Account Service


understand HIGH RISK business.

At iPayTotal, we combine our technical skills with our simple, straightforward approach.IpayTotal can help you in understanding and create your higher risk account and guide you through the underwriting procedure followed by the bank while onboarding an application. Regardless of whether you require a start-up merchant solution, a subscription account, a pharmacy merchant account, a travel merchant account or set up an offshore merchant account, iPayTotal can help you set up with lowest rates and no hassles for your high risk businesses.

Our payment experts have a unique knowledge of the high risk payment market, thus enabling us to give the best possible guidance and advice to set up payment acceptance solutions for you. Our banks have been selected to assist our customers to get the most secure high risk payment gateway solutions for their business sectors. We have chosen the banks with the highest integrity and methods, adding confidence to your payment processing solution, to get you the best transaction fees for high risk sectors.

For customers to pay you We make it safe and easy

Best Solution at a Competitive Price

iPayTotal provides best-in-class High Risk Merchant Account services at the most competitive fees.

Easily Accessible

Our services are available via an easy online application.

We Get You Approved

Our multiple Aquirer relationships ensure 99%% of accounts are approved.

We Minimize Your Chargebacks

Our in-house chargeback management tools can lower chargebacks by 72%

We Escalate Solutions and Possibilities to enable You

We help clients scale deliberately, increase profitability and achieve long-term viability.

iPayTotal provides end-to-end payment solutions for businesses and consumers around the globe.

We work with a highly experienced and well-educated team, with more than a decade of experience in the industry. Our main aim is to secure our clients from fraud services and provide them with the solutions which other normal banks refuse to provide. We are dedicated to value our customers more than they demand. We offer these solutions in integrated packages that will perfectly adjust to your company card payment requirements. We process for both low-risk and high-risk merchant accounts.

Our National and International Connections with Acquiring Partners gives us the edge to offer Reliable Credit, Debit and Echeck Processing to almost every industry which is considered high risk. No Matter if you are located in USA, Australia, Latin America, EU or Africa. We have the capabilities of getting the right payment processor for you.

We bring transparency and standards to the high-risk payment processing industry, providing businesses with the most competitive deals suited to their needs – not just for now, but long-term.


Extra layers of security and PCI compliance, so you can get on with business.With a wide range of payment options, we create a payment experience that is easy and secure.


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.


Trust is central to our success, key to our conduct. As we strive towards sustainability in all aspects, we take our responsibilities seriously and are committed to dealing fairly and with integrity with all our stakeholders.


Communication is the foundation of strong relationships. Today's business world relies on relationships in so many ways. We are always there to help your business grow. Our 24X7 support staff just a call away.


With iPayTotal you get instant global reach and international distribution is built-in. All this, with a single integration.Your market isn’t confined to any geographic area, so why should you be confined by the way you receive online payments?

At iPayTotal we know that retailers like you want to get on with what you do best - running your business. We deliver honesty, transparency, and fantastic customer service. Our payment experts have a unique knowledge of the high-risk payment market, thus helping businesses of all kinds do just that.

Whatever your business size or needs we have a payments solution for you. We have customers of all sizes, from startups to major online, consumer and business brands
Our payment services range from the very simple to the most sophisticated tailored solutions. You can email or use social media to talk to us or you can speak to a real person on the other end of the phone 24/7.

Our team will prepare a solution tailored to your business.  We combine the right technology with service and support to ensure you never miss out on an opportunity.  Mobile, e-commerce, online, or in person, we ensure your business has the tools to succeed at a rate you can smile about. You can depend on us for fast, secure and reliable payments.