Payment Gateway

Award-winning payment gateway for hassel free and secure transactions

Online Payment Gateway

iPaytotal 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 for goods and services online, on mobile and over the telephone within the most secure environment.

Our Payment gateway provides simple integration with APIs and SDKs including modules, sample code, test accounts and test cards. The payment gateway solutions allow you to process debit & credit cards, plus 30 alternative payment methods through your website within a single platform. Robust backend system is accompanied by a modern web-based or downloadable reporting software which enables you to monitor and manage your transactions, payouts, refunds, and reserves in real-time.


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 smooth process for your customers. Our featured gateways provide powerful built-in fraud prevention filters and monitoring tools based on client behaviour, ensuring any suspicious activity is blocked fast.

Our Dashboard gives you accurate, real-time transaction data from anywhere in the world on any device. Keep track of your sales at all times with automated reports and in-depth visualizations for each transaction. 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.

What Is a Payment Gateway?

“A payment gateway is the service that sends all of your credit card transactions to your credit card processors,” “It also sends you a message from your credit card processor that lets you know a transaction has been authorized. There are even some payment gateways that will automatically add tax and screen for fraud.”

In other words, a payment gateway is simply a software application. It’s basically a conduit between an eCommerce website and the bank that authorizes (or declines) a customer’s credit card payment.

Credit and debit cards, eCheck (ACH), and even cryptocurrencies like bitcoin are all processed through payment gateways.

Ultimately, a payment gateway is the final step of the sales process on an ecommerce website. Without it you won’t be able to securely charge your customers when they purchase items from your website.

What is the Role of a Payment Gateway?

Payment gateway services are required for all online credit card processing. It’s the same exact process as a point of service (POS) device does when you pay for your lunch at restaurant.

The Payment gateways works with your purchase items from a brick and mortar retailer. So, the main role of a payment gateway is to authorize transactions between you and your customers.

Remember, without a payment gateway approving the transaction process cannot go move forward and you won’t receive your money.

Do I Need a Payment Gateway?

If you run a strictly eCommerce site, which means that you’re processing payments online, then the answer is absolutely, yes. There’s no other way to accept credit cards through the internet without a payment gateway.

Keep in mind that since transactions are processed over a payment gateway they are processed as “card-not-present” transactions. This means that the merchant is simply relying on the credit card information that the customer enters. The merchant doesn’t actually see the customer’s credit card.

During the card-not-present sale, there is no way to run the data on the card’s magstripe or EMV chip. The result is that there’s potential for higher instances of fraud. As a result, you may be charged a higher rate than card-present transactions.

How Do Payment Gateways Work?

As a customer, a payment gateways seems simple and straightforward. You visit an eCommerce site, select the items you want, add them to your cart, and checkout.

You enter your payment information and confirm your order. Now you can sit back and relax until your item arrives at your doorstep. Behind the scenes, however, it’s a little more complex.

The gateway process follows these six steps.

Step 1: The customer places an order and enters their payment information. An online the transaction will be processed as a “card-not-present” transaction. Again, this may result in a higher processing rate. Once this info has been submitted, it’s encrypted, and then sent on it’s way.

Step 2: The encrypted data is first sent to the merchant’s processor, which is simply the company that actually processes the transaction.

Step 3: The processor routes the transaction data to the credit card association. Visa, MasterCard, Discover, or American Express are credit card associations. These card associations charge an interchange fee for each transaction.

Step 4: The next step is where the transaction is approved or denied. The card will obviously need to be valid and have enough funds.

Also in the fourth step the authorized user must also not have any holds or freezes and the transaction will be authorized. What’s amazing is that these first four steps take place in a matter of seconds!

Step 5: The transaction becomes authorized. The issuing bank then transmits the authorization back to the parties in the payment processing network.

The authorization starts with the credit card association, then with the merchant’s business. Finally, back to the ecommerce site through the payment gateway.

Step 6: Although the transaction only takes seconds, it can take between 24 to 48 hours for the funds to be available in your account.

Everything you need in a PAYMENT GATEWAY

A Payment Gateway to Power a Better, Safer Integrated Payments Experience

The most important factor when choosing a payment gateway provider is to ensure that it will sync with your existing payment systems so you can avoid disrupting your current customer flow.

Today, integrated payments are about more than just having tools to accept money online. Integrated payment solutions help your business operate seamlessly and connect all of your applications and systems so you can have more diverse, dynamic payment processing options.

Your customers expect more out of their payments experience today, and partnering with the right provider will keep your business on the path to success. Look for a payment solution that enables omnichannel offerings, simple integration, mobile and EMV credit card processing — equipping your business with the necessary tools to accept payments across multiple channels (and multiple methods) with ease.

Beyond just providing a solid customer experience, your business must choose a payment gateway that will to protect your customers, too. When choosing your partner, look for standards like end-to-end encryption, tokenization, secure card vault, enhanced EMV pin pads and upgraded EMV mobile card readers. The more advanced solutions you can achieve through your payment gateway provider, the better protected your business — and your customers — will be from outside threats.

Choosing the right payment gateway partner will not only give your company the ability to instantly enable faster mobile and online payments, but it will also ensure your POS software is in sync with the needs of your online storefront. Managing your in-store, online, in-app and recurring payments shouldn’t have to be so complicated.

Whether you are running an online storefront, subscription-based business or mobile commerce app, you can use IPAYTOTAL to process online payments in over 40 currencies.

With IPAYTOTAL  administration dashboard, merchants can easily handle full or partial refunds in real time, check transaction status and run comprehensive reports, which are simple to download.

With a single integration or connection to IPAYTOTAL , additional payment methods, options and currencies can be made available, usually with little or no additional technical work from the merchant.

Simple integration and customizable checkout

IPAYTOTAL merchants have a choice of secure integration options to best meet their needs.

Hosted payment page

The high-security payment page we host for you can be fully customised to match the look and feel of your website. As an option, a URL of your choice can appear on the payment page rather than IPAYTOTAL’s, maintaining the continuity of the shopping and purchasing experience for your customers.

Merchants can fully brand their payment page and customise the fields displayed so customers only see the relevant ones. Customers can choose the language used on the page and the currency for the transaction. The simplicity of this payment process will increase conversion rates.

As an option, IPAYTOTAL  hosted payment page fully supports customization via cascading style sheet (CSS).

Payment Gateway Features

Multiple Currency Support

Multiple Payment Methods

Secure Payment Gateway

Shopping Cart Plugins

Chargeback Mitigation

MOTO Virtual Terminal


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