iPayTotal Overview

*Economic Slowdown Update: U.S. and Canadian businesses may qualify for refunds of certain credit card and debit card processing fees. Visit this page to find out if your business can benefit.

A Merchant Consulting Company

Founded in 2018, iPayTotal is a British-based merchant account consulting firm that works to help both standard risk and high risk merchants find payment processors that can servce their needs. The basis of its business is summarized on its website as follows:

Service Disclaimer We are not a Payment Processing Company. We are Sales Partners of multiple national and international payment processing companies and acquiring banks. Our Job is to assist merchants in finding payment solutions and set businesses up to accept all major credit cards and alternative payments.

iPayTotal claims to work with 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. Given the innate risk associated with merchants in those aforementioned industries, iPayTotal also offers chargeback protection services.

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 50 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
Are you a decision maker with iPayTotal? Claim this review.

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

Our unbiased reviews are supported, in part, by helping you find highly rated merchant accounts. You can learn more here.

iPayTotal Rates, Fees, and Costs

Key Points

Platform Onboarding Fee £5,000
White Label Onboarding Fee £5,000
Onboarding Support Fee £2,000
Monthly Platform Fee £2,500
General Transaction Fee £0.02 - £0.50
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. While rates and fees for merchant services will be determined by the payment processor that iPayTotal matches a business with, the company’s pricing structure reflects the rates and fees for additional services it provides. iPayTotal claims 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 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.

Are you happy with your iPayTotal fees? Tell us about them before your go!

Response from iPayTotal

Are you a representative of iPayTotal? Add your voice to this section for free!

iPayTotal Complaints & Customer Reviews

Key Points

Total Online Complaints 50+
Live Customer Support Yes
Most Common Complaint Account Closure

Moderate Complaint Total

We are able to locate over 50 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.

Do you have a complaint or testimonial about iPayTotal? Make your voice heard before you go!

Response from iPayTotal

Are you a representative of iPayTotal? Add your voice to this section for free!

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.

How has iPayTotal treated you? Tell us about it here!

Response from iPayTotal

Are you a representative of iPayTotal? Add your voice to this section for free!

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.

Did you get what you expected from iPayTotal? Tell us why, or why not.

Response from iPayTotal

Are you a representative of iPayTotal? Add your voice to this section for free!

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.

Submit a Statement

  • Accepted file types: jpg, png, pdf, xls, xlsx.

16 Reviews Leave Your Review for iPayTotal Below

  1. Meghan Paul says:

    I use iPayTotal for my high risk business and they do a good job. Wonderful company and I am very happy with the high quality service that they provide.

    1. Brian Clark says:


      Could you provide the name and location of your business for authentication purposes?

  2. Reena Anderson says:

    As a high risk business owner, iPayTotal has the most secure and powerful payment gateway solution. This works very well and is very fast. Clients feel secure as well and payments are always on time. I am happy with the service.

    1. Brian Clark says:


      Could you provide us with the name and location of your business so we can authenticate your comment?

  3. Elissa Wagner says:

    I have been a customer with iPayTotal for 6 months now. Payment is on time. They do a good job. The gateway is stable and secure. The technology is good. I like the weekly payouts.

    1. Brian Clark says:


      Could you let us know the name and location of the business that you’re leaving this on behalf of?

  4. Fantastic service. This company knows their stuff. ALWAYS prompt service. And super helpful and friendly. I’ve been using them for five years. Exceptional service. Still in love with iPayTotal.

  5. Wiker007 says:

    Hi all,

    I would like to publish their new name and company as they changed it.

    NeoBanQ and Neobanq Global ltd. They were so shameless, that they contacted me with this company
    and gave me an offer. The only trouble, that I only used the email address they reached me

    to communicate with them. no with any other processors ever. I also checked company address what is the same:

    IPAYTOTAL LTD – 60 Windsor Avenue, London, England, SW19 2RR
    Neobanq Global Ltd – 60 Windsor Avenue, London, United Kingdom, SW19 2RR
    (The director of the company also an Indian Person )

    Be very careful !!!

  6. 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.

  7. 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

  8. 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


  9. 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


  10. 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


Leave a Review for iPayTotal

Your email address will not be published. Required fields are marked *

Please do not use profanity or ALL CAPITAL LETTERS in your review. Reviews must provide a detailed account of your experience. By submitting a review or comment to CPO, you are agreeing to our Comment Policy.