iPayTotal Overview

iPayTotal May Have Overcharged You

If you accepted credit cards through iPayTotal or any other credit card processing company between 2017 and 2019, recent changes to the law may entitle you to refunds of certain debit card and credit card processing errors and overcharges. See this post to find out if your were among the businesses affected and to learn how you can get your money back.

International E-Commerce and High Risk Processing

Founded in 2018, iPayTotal is a British-based merchant account provider that serves both standard risk and high risk merchant sectors. iPayTotal claims to offer CBD merchant accounts, but the availability of this service will vary from region to region. Other high risk industries the company serves are open to merchants in adult entertainment, FOREX, multi-level marketing, online gambling, online pharmacy, and debt consolidation.

iPayTotal Location and Ownership

iPayTotal lists its headquarters at Dalton House, 60 Windsor Ave, London SW19 2RR, UK, but some of its management team appears to be based in India. Aditya Williams is the director of operations and Ruchi Rathor is the operations manager at iPayTotal.

iPayTotal Review Table of Contents

  • Costs & Contract: iPayTotal offers a three-year contract with a setup fee of up to £4,500.
  • Complaints & Service: iPayTotal has received more than 30 public complaints.
  • BBB Rating: iPayTotal does not currently have a Better Business Bureau profile.
  • Sales & Marketing: iPayTotal does not appear to hire independent sales agents but has received some complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With iPayTotal
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Products & Services Offered

  • Credit and debit card processing
  • Online payment gateway
  • Virtual terminal
  • ACH processing
  • Offshore merchant accounts

Types of Businesses Served

  • Retail
  • E-commerce
  • International
  • High risk
  • CBD

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iPayTotal Rates, Fees, and Costs

Key Points

Swiped Rate 1.00% - 4.99%+
Keyed-In Rate 1.00% - 4.99%+
Platform Onboarding Fee £5,000
White Label Onboarding Fee £5,000
Onboarding Support Fee £2,000
Monthly Platform Fee £2,500
General Transaction Fee £0.2 - £0.5
Special Transaction Fee £1
iPayTotal Risk Engine Fee £0.015
Third Party Risk Check Fee £0.015
3D Secure Processing Fee £0.030
Additional Payment Adapter Fee £250
E-commerce Platform Fee £250
Additional Feature Fee £120
Professional Services Fee £150
Technical Support Fee £100

iPayTotal High Risk Pricing

The iPayTotal Pricing Sheet.gives merchants a good deal of insight into its pricing structure. However, the company does not disclose its high risk merchant account contract terms to the public. Iit does claim to charge a setup fee of up to £4,500 depending on each merchant’s country of origin, business type, and processing volume. It is likely that iPayTotal charges higher per-transaction fees than its standard-risk competitors due to the international and high risk sectors it serves. It is also possible that iPayTotal requires a long-term contract from its merchants, and it may impose strict termination fees and cash reserves to protect itself from fraud losses.

iPayTotal White Label Pricing

iPayTotal also offers a white label merchant account platform that businesses can use to offer payment processing for their sub-merchants. The standard iPayTotal white label contract (available below) is a three-year contract with automatic renewal for six-month terms, a £5,000 platform onboarding fee, a £5,000 white label onboarding fee, a £2,000 onboarding support fee, a £2,500 monthly platform fee, a general transaction processing fee of £0.2-£0.5, a special transaction fee of £1, a £0.015 iPayTotal risk engine transaction fee, a £0.015 third party risk check API call fee, a £0.030 3D secure processing transaction fee, a £250 fee per additional payment adapter, a £250 fee per activated e-commerce platform adapter, a £120 additional platform feature development fee, a £150 professional services fee, and a £100 technical support fee. It’s possible that some of these fees are representative of the fees charged to iPayTotal’s direct merchant account users.

Extremely High Setup Fee

iPayTotal’s setup fee is not typical for the industry and is a strong barrier to entry for newer businesses. iPayTotal defends its setup fee by claiming that the fee enables iPayTotal to accept businesses that typically cannot obtain credit card processing. However, we have seen some complaints that the company accepted a setup fee and then shut down the merchant’s account within 6-12 weeks. Merchants will need to make their own call about whether it’s worth paying thousands of pounds just to open a merchant account that may eventually be shut down anyway, but we would not recommend taking this risk. Many other high-risk processors do not require such a steep setup fee.

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Response from iPayTotal

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iPayTotal Complaints & Customer Reviews

Key Points

Total Online Complaints 30+
Live Customer Support Yes
Most Common Complaint Account Closure

Moderate Complaint Total

We are able to locate 39 negative iPayTotal reviews, some of which accuse the company of being a ripoff or a scam. Most complainants mention the company’s high setup fee, unexpected account closure after a few months of processing, poor customer support, and a frustrating application process. An example of particularly poor service can be found in this response from a company representative on the iPayTotal TrustPilotUK profile:

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.

On TrustPilot alone, 25% of the company’s 123 total reviews are rated as either negative or poor.

iPayTotal Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against iPayTotal. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

iPayTotal Customer Support Options

iPayTotal offers live phone, email, and chat support on its website. Although this offering is competitive with top-rated payment processors for great customer service, the company receives a poor rating due to a moderately high complaint total in just under a year of operation.

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Response from iPayTotal

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iPayTotal BBB Rating Summary

No Profile Available

The Better Business Bureau does not maintain a profile for iPayTotal at this time. We therefore will not factor a BBB rating into this review.

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Response from iPayTotal

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Truth In Marketing & Advertising

Key Points

Employs Independent Resellers No
Advertises Deceptive Rates Yes
Discloses All Important Terms No

In-House Sales Team

iPayTotal appears to rely on an in-house sales team and referral programs to market its services. We have found a handful of iPayTotal sales complaints that mention misrepresentation of contract terms by the company’s sales team. These complaints usually state that iPayTotal exaggerates its ability to provide reliable, long-term payment processing to many high risk business types.

iPayTotal Setup Fee

iPayTotal states that it charges “No Application or Setup Fee” on one page even though another page includes a tool for calculating the company’s setup fee, which can exceed £4,000. This fee is uncommonly large for the industry, and it appears that iPayTotal generally discloses it to all merchants. However, the mixed messages on its website suggest that merchants should verify whether they will pay a setup fee and how large it will be.

iPayTotal Rate Quotes

One page on the iPayTotal website advertises “High Risk Rates as Low as 2.99%“. This rate is likely only available to a narrow range of high risk merchant types, and most merchants should not expect an effective rate of 2.99%. If you suspect that an iPayTotal sales agent has misled you about your rates, you can double-check your monthly bill with a third-party statement audit.

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Response from iPayTotal

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iPayTotal Marketing Example

iPayTotal Logo

Our Opinion of iPayTotal

An Average Option for High Risk Merchants

iPayTotal rates as a middle-of-the-road merchant services provider according to our rating criteria. The company has received a moderate complaint total and appears to offer prohibitively expensive pricing even for high risk merchants. However, some extremely high risk merchants may not have any option but to consider a processor like iPayTotal. We will continue to monitor the company and update this review as needed. For now, merchants should be sure to compare iPayTotal’s pricing to that offered by top-rated offshore merchant account providers.

We rely on your feedback about iPayTotal to keep this review accurate and up-to-date. Please take a minute to tell us about your experience. We and the small business owners of this world thank you!

Thank you for reading my review. I hope that it has helped you with your research.

Why I'm Qualified to Write About Credit Card Processing and Merchant Account Services

I'm a former credit card processing sales director who left the industry because I didn't like how it takes advantage of small business owners. It feeds like a leech on businesses and thrives by imposing fees that are nearly impossible to comprehend. Seeing a need for change, I left and built this website help business owners better understand the industry, research merchant services providers, and get refunds of excessive merchant account fees. My experience of working "behind the curtain" in the industry, and using that knowledge for good, has resulted in millions of dollars returned to hard-working small business owners as well as enterprise-level companies.

From the time that I starting working in the merchant services industry to when I left to create this website, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this "insider" knowledge to myself. To lift the fog, I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers on this website.

How I Can Help You

I specialize in helping businesses get refunds of excessive fees and have recovered $1,567,184 this year alone! Submit a recent statement below to find out if you are getting overcharged. I'll take a look at it for free. If I find fees that can be refunded, hire me on contigency. I only get compensated if I put money back into your pocket.

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8 Reviews Leave Your Review for iPayTotal Below

  1. Sunduk.TV says:

    Do not believe this company!
    This company is stealing money!
    At the conclusion of the contract, this company reported that the minimum payout is $ 5,000. upon reaching this limit, payments stopped passing and we asked to make a payment to us.
    That was already 3 months ago. Initially, their support on Skype responded to requests and said to write to the finance email
    For the entire period we have not received any answer. also did not receive a payment. support in skype also stopped answering questions, messages are simply ignored.
    Out clients made payments in the amount of: $ 5835 by using ipaytotal
    all the money was simply stolen by this company.

  2. Luca Schuster says:

    They are cheaters, don’t work with them, they don’t pay for the merchants and owe me 10000 usd. Hope, police will find them, already wrote to them

  3. Arlos Argumedo says:

    We were scammed, we lost 50k with them, we have complain to the UK authorities about ipaytotal. They are actually Indian scammers who pretends to be in the UK, but the real owner of the company is an Indian woman by the name of Ruchi Rathor. She scammed so many businesses like us, careful people.

    This post will help: Best UK Merchant Accounts


  4. NARINE says:

    We’ve been scammed for 3000GBP.

    Is literally a Money sucker, now they changed skin to their website as well. Please, high or low risk merchant don’t use this service, is not about bad or good service. Is just about swiping your money onto a black hole.


    we’ve been promised on written notice our payment back, only 3000 pounds thank god, after that frustration and lies.

    This post will help: How to Make Your Payment Processor Release Your Money


    1. jennifer says:

      hi Phillip,
      I also fell into this company cheat.
      I would like to be able to chat by email:
      [REDACTED – personal contact information]
      please send me a mail.

      1. Phillip says:

        Hi Jennifer,

        Can you please share your experience in a reply to this comment so that other merchants can learn from it?

        1. Mike says:

          The company decided to block the MID by sending us an email with made up alerts (flagged transactions, chargebacks) . I want to mention that throughout the time we have not received a single email notification from them. These dudes declare to be working from London, yet sit somewhere in India – that is the first sign of fraudulent activity. The total amount that was withheld by iPayTotal is $63k. Please share your experience in response. Also I will be glad to have a conversation with anyone who may relate to the issue. Together we might come to a solution and decide how to punish this company.

          This post will help: Why Credit Card Processors Hold Funds


  5. Luca Schuster says:

    Cheating Company!!! They don’t pay money and answer calls. Support very bad, cann’t even help me.
    They didn’t pay me around 10000 usd. Don’t trust them, they are cheaters!

    This post will help: Best Payment Processors for Great Customer Service


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