ipaytotal Reviews

Name: ipaytotal
Rating: 3.80

3.8 Rating 152 Reviews

70 %

of reviewers recommend ipaytotal

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3.8

Based on 152 reviews

Shipping & Delivery
Delivery Methods	Courier, Own Driver
Customer Service
Communication Channels	Live Chat, Telephone, Email
Queries Resolved In	Under An Hour

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ipaytotal 1 star review on 1st March 2026

Anonymous

Anonymous // 01/01/2019

Sort by: Most Recent Most Recent Highest Rated Filter: None None 5 Stars 4 Stars 3 Stars 2 Stars 1 Stars Helpful

“Cheaters. They blocked my account without any reason and didn't give me any proofs of that. They didn't pay my money from the merchant. I was promised by Ruchi and other Indian guys from that company to get money in 180 days, after waiting that time, i didn't get it also. Nobody from Finance and risk didn't speak with me. So they took a LOT of my money . DON'T WORK WITH THEM!”

Helpful Report

Posted 6 years ago

“THE POSITIVE REVIEWS ARE MORE THAN LIKELY WRITTEN BY IPAYTOTAL .NOT SURE WHAT TYPE OF BUSINESS THIS IS, BUT IT WAS A TOTALLY WASTE OF MY TIME. AFTER GOING THROUGH ALL OF THE STEPS TO GAIN A MERCHANT PROVIDER, HOUNDED SEVERAL DAYS TO PAY THE UPFRONT $500 FEE TO BE INSTATED. I WAS PROVIDED WITH A MERCHANT, WHO WOULD ONLY ALLOW CUSTOMER CHARGES 4 TIMES A MONTH. IT WAS A TOTAL WASTE OF MY TIME. I BELIEVE THEY DO NOT ACTUAL REACH OUT TO MERCHANTS UNTIL YOU'VE PAID YOUR FEE. WORD OF ADVICE, DON'T WASTE YOUR TIME - FROM A USA BUSINESS OWNER.”

Helpful Report

Posted 6 years ago

Dear Mr Lo We are really sorry that you are not satisfied with our services but we would like to bring into your notice a few points so that you can understand the meaning of a high-risk merchant account. We are a high-risk merchant account provider and it implies that we work with acquiring banks that are catering their services to high-risk businesses. These banks have to keep the accounts secure and take measures to prevent any fraud and chargebacks and thus high risk accounts have some limitations when it comes to the number of transactions that can be done on one card by a single customer. We are a high-risk processor and we have enough security measures in place to identify fraudulent transaction or any other online fraud. Our anti-fraud systems are so intelligent that they can identify fraudulent transaction by the pattern of the card numbers and email address, so don't worry we are always here to support our merchants, till the time the merchant is doing genuine sales, and customers are happy with the purchase. Our Payment Gateway has an inbuilt ‘Risk’ logic which can sniff out a possible fraud faster than a K9 squad. Let’s say a merchant who gets 3-4 online orders in a day suddenly starts to get 300 daily orders. A sudden spike in transaction velocity (number of transactions per minute/hour/day), volume (amount transacted for), or pattern (international orders for a local brand) is an indicator of fraud and our systems immediately flag such transactions for further investigations. Our ‘Risk’ logic also has 72 odd rules for monitoring the thousands of transactions on our payment gateway on a daily basis. This logic is designed according to the merchant, and our logic pathway can easily differentiate between standard day-to-day transactions and those that carry a high probability of risk. Every time a card is used for payment, our gateway connects with the card provider to check if the card has been hotlisted. (Hotlisting means that the card has been blocked temporarily or permanently for use). This is done in real-time so that a verified transaction is still completed within seconds, while the suspicious ones get flagged. We also use geographical and pattern-based transaction monitoring (as for detecting merchant frauds) to identify suspect transactions. This helps us in preempting and preventing chargeback frauds and other types of customer frauds. We have a hit ratio of being able to identify 85% of fraudulent cases in advance. We believe it is of the utmost importance that the needs and expectations of clients are systematically defined and translated into prerequisites that are fully met, through the correct application of the Quality Management System in order to always ensure the highest degree of satisfaction. Right from the offer stage, we establish the most effective communication possible with our clients and that enables us to determine the prerequisites and then translate them into the design and creation of products and services. We truly understand the importance of quality and value of good customer service. That’s why we are the leading provider to offer 24/7 support. We have highly qualified engineers available to provide you with the highest levels of service in the industry. We try our level best to provide the service of a proficient level to our valued customers. And yes we charge a setup fee because nothing in this world comes for free. But we are really surprised when customers like you who waste our time and energy, get the best possible services and then leave us because we do not support your fraudulent activities, and then even after getting your fee refunded, on time, write such reviews just out of frustration. Sadistic people like you are never satisfied even if they get the best services in the world, because what you want to do can not be supported by any genuine bank or payment processor. I hope you get a processor, who can accommodate 50 transactions from the same card . Good Luck Stephen iPayTotal

Posted 6 years ago

“THE POSITIVE REVIEWS ARE WRITTEN BY IPAYTOTAL: NOT SURE WHAT TYPE OF BUSINESS THIS IS, BUT IT WAS A TOTALLY WASTE OF MY TIME. AFTER GOING THROUGH ALL OF THE STEPS TO GAIN A MERCHANT PROVIDER, HOUNDED SEVERAL DAYS TO PAY THE UPFRONT $500 FEE TO BE INSTATED. I WAS PROVIDED WITH A MERCHANT, WHO WOULD ONLY ALLOW CUSTOMER CHARGES 4 TIMES A MONTH. IT WAS A TOTAL WASTE OF MY TIME. I BELIEVE THEY DO NOT ACTUAL REACH OUT TO MERCHANTS UNTIL YOU'VE PAID YOUR FEE. WORD OF ADVICE, DON'T WASTE YOUR TIME - FROM A USA BUSINESS OWNER.”

Helpful Report

Posted 6 years ago

“The best customer support, and the easiest and fastest way to set up a payment solution even if you are a super high-risk business. I am having an adult site, for which I needed a solution, and these guys got me up and running in 8 days. Thanks, Alex, you are the best.”

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Posted 7 years ago

“Best customer support .Fast and professional.”

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Posted 7 years ago

“I recently had the pleasure of working with iPayToTal and words cannot tell how pleased I was with my whole experience. They had me up and running in two business days and helped out in every way possible. I will be recommending them to anyone I come across that needs a merchant account.”

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Posted 7 years ago

““Great customer service and fantastic rates. Highly recommended.””

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Posted 7 years ago

“Up to this point, everything with Ipaytotal has been great! Ruchi and everyone else was a huge help in setting up the MID Account with the lowest fee possible for a high risk merchant like me. This kind of customer service is rare.”

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Posted 7 years ago

“iPayTotal is the best solution for our business. they have all payment solution and much more. i recommended all customers.”

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Posted 7 years ago

“I paytotal is a scam please dont trust them they will never pay u on time”

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Posted 7 years ago

And thats the reason you have been processing with us from last 3 months and then when the BANK shut your MID you are posting bad reviews to blackmail us !!!

Posted 7 years ago

“I would like to take this opportunity to thank iPayTotal for being helpful and resourceful through my introduction and application process. Their professionalism and knowledge in the product and services was key. I look forward to continuing my business with iPayTotal Merchant Services.”

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Posted 7 years ago

“I highly recommend iPayTotal for your merchant service needs. The team was extremely helpful in guiding me through the process. Between the support I was provided and the level of service I received, I cannot recommend them enough. iPayTotal was great from start to end.”

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Posted 7 years ago

ipaytotal is rated 3.8 based on 152 reviews