Company History

Leaders in
High risk payment processing
We believe that every idea needs encouragement, and with our services,
we want to make your growth conducive, because greatness starts from small beginnings.
discover iPayTotal
Leaders in
High risk payment processing
We believe that every idea needs encouragement, and with our services,
we want to make your growth conducive, because greatness starts from small beginnings.
discover iPayTotal

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.

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 one 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.

Why are we unique ?

Multiple Verticals

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. 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. 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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Truely Global

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.At iPayTotal, the agenda is to ensure that a customer’s business can process credit card payments with a high-risk merchant account.

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Strong Team

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.

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iPayTotal provides high-risk merchant account payment solutions for businesses and consumers around the globe.

Our highly experienced and educated team has more than a decade of experience within the industry. Our main aim is to safeguard our clients from fraudulent services and provide them with the solutions which mainstream banks refuse to provide. We offer these solutions in integrated packages that will seamlessly adapt to your company card payment requirements. We process for both low-risk and high-risk merchant accounts.

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.  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.

At iPayTotal, we combine our technical skills with our simple, straightforward approach.

iPayTotal can assist you in creating your high-risk merchant account and guide you through banking underwriting procedures during the on-boarding process. Regardless of whether you require an account for your start-up, a subscription account, a pharmacy merchant account, a travel merchant account, or set up an offshore merchant account, iPayTotal can efficiently help you secure with the lowest rates for your high-risk businesses.

Our Journey

At iPayTotal, our story started in the basement of our houses, with our computers and the internet as our only infrastructure. We had a passion to develop a set of services, to help businesses considered as high risk, in need of payment processing. The passion for solving this problem came from our own hardships of years together, finding payment solutions for our prior business of remote technical support, considered as high risk in the payments industry. We ran out of money, maxed out our credit cards, and borrowed from relatives.

Not the prettiest opening to a story, right? But, it’s honest.

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. We have faced many different challenges over the years. We struggled initially to understand various fraudulent activities and then worked on providing 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.

Range of markets


iPayTotal is an innovative Forex payment gateway and Forex Merchant Account provider which provides tools to transform, grow, and scale your online business globally.


iPayTotal specializes in both online gaming merchant accounts and online gaming payment gateways and offers the best gaming merchant account in the industry.


We enable Cryptocurrency exchanges and traders to accept payments on their websites through credit and debit cards. iPayTotal is an innovation driver for crypto exchanges, ICOs, and wallets.

Adult Content

Whatever form of entertainment your business offers, iPayTotal likely has a solution for you. iPayTotal can offer adult content merchants to accept online payments.

Our merchants speak for us

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