merchant account is a type of bank account that allows businesses to accept payments by debit or credit cards. So a merchant account is an agreement between a retailer, a merchant bank and payment processor for the settlement of credit card and/or debit card transactions


Yes. Ipaytotal works with multiple acquiring banks and some are able to provide merchant accounts to businesses that have no processing history.

All you need is to contact our Support Team at [email protected]  or you can even apply it online https://ipaytotal.com/apply-now/


Once your application gets approved we will give you your own access to our payment portal with the  API information. It’s a simple, hassle-free and Plug n Play system to start accepting payments online.


We have been processing internet payment since 2018.Although Ipaytotal is a new company, company, our team is highly experience and well educated with more than a decade of experience in the industry.


Yes, Ipaytotal accepts both Electronic and Physical Delivery Merchants.


The information provided can vary slightly between providers but here are the main items that will be requested of you at the time of application:

Application items

  • Company name, address and contact information
  • Ownership information including  percentage ownership
  • Tax Identification Number
  • Bank account information

Documents you will provide

  • Photocopy of your drivers license , Passport
  • Photocopy of a blank check for merchant account debits and credits
  • Processing History if any
  • Utility Bill
  • Bank Statement
  • Company Incorporation
  • Domain Ownership


Approval for a credit card merchant account takes an average of 2-3 business days. This average is dependent upon the amount of information filled out on the application and the documentation provided at the time the application is submitted.
No, this practice is known as “credit card laundering.” Using someone else’s merchant account to process your credit card transactions can lead to heavy fines and other severe penalties. In addition, you’ll also put that merchant’s credit card processing account in jeopardy.

This is a common and the most popular questions. Any customer that inputs a transaction for approval will be assigned a sequential sales order number from our system, whether they are approved or declined. In addition, if you are unable to retrieve any information, our online merchant accounts reports capture all information about the transactions stored by sequential sales order #’s. That way you will see any order you are missing.

When there are multiple decline attempted transactions or a fraudulent transaction from a certain IP address, the bank will block the IP address for any transactions. The bank does this to protect you, the merchant, from experiencing fraudulent transactions, which ultimately limits your charge back exposure.

Yes. The customers, when placing orders, will be redirected to our secure payment page to ensure that their payment details (card, name, address, etc) are kept secure and confidential.

We offer several options that will allow you to process credit cards through your website. These services will integrate with your website to allow real time transaction processing, and also include a virtual terminal that will allow you to manually process transactions through a secure website.

A payment gateway is an online service provider that provides the technology for the authorisation of debit and credit cards.  The technology provides a connection between a merchant’s business website and the acquiring bank as well as providing the functionality for other services such as MOTO and other payment service solutions.

The Payment Card Industry Data Security Standard (PCI DSS) is a set of security standards designed to ensure that all companies that accept, process, store or transmit credit card information maintain a secure environment.
The PCI DSS applies to any organization, regardless of size or number of transactions, that accepts, transmits or stores any cardholder data.

Also known as VT, is a service that allows manual processing of credit card transactions online.
IpayTotal has a team of trained technicians ready to assist you and answer any questions or concerns that might arise included as part of our service.

Major Problems

The best way to connect us is via email.You can email us at [email protected].

You can even connect us on Skype for quicker and faster resolution to your queries.Our Skype id is live:underwriting_46.

All credits/refunds are handled by Merchants directly. These will occur if the merchant account holder is unable to deliver a product or service, has over-charged or agrees to refund a customer. Merchant can directly process a refund/credit to the cardholder from our online payment portal. A credit or refund can only be done for a transaction processed through our system. The amount cannot exceed the original amount.


You will not be paid out. You must supply customers with products/services before payment is rendered. If you attempt to wait for payment prior to shipping out a product, your account will be disabled


A chargeback is when a credit card transaction is billed back to the merchant after a sale has been settled. Chargebacks are initiated by the card issuer on behalf of the cardholder. Typical cardholder disputes involve product delivery failure or product/service dissatisfaction. The merchant’s acquiring bank will charge the merchant a fee for the retrieval of information, and if it is determined that the chargeback is valid, there will be another fee for the chargeback itself. The customer will be refunded their money directly through the credit card company and the merchant’s business checking account will be debited for the amount in dispute.
Make the warranty and return policies clear on your web site, in your e-mails and other communication vehicles. Use security features such as AVS to verify the billing address and ZIP code, and CVV2 to verify that the consumer is in possession of the card. Ship goods only to the cardholder’s billing address and obtain a signed proof of delivery from the shipper for delivered goods. Include a customer service telephone number in the billing name that appears on the customer’s bank statement. Never charge a cardholder’s card until the goods have been shipped. Pay special attention to international purchases since they have a greater risk of credit card fraud.

We can process both Visa and Mastercard. 

Ipaytotal is partnered with many acquiring banks who are willing to process transactions in most currencies, including USD, GBP, euros and more.


The fees you will pay for an Internet merchant account will vary based on your provider. Some merchant account providers charge an application fee and setup fees as well as monthly fees, including gateway access fees, service fees, AVS fees, and statement fees. You should expect to pay per-transaction fees, including a fixed transaction fee and discount rate.


Send an email to our finance team at [email protected] with your inquiry, or any payout questions, including your banking instructions and amount in question. We will respond as promptly as possible and within 48hours.


Yes. Please contact our finance team at [email protected] and request a Bank Change Form. After filling it out, return it to our Finance Department as soon as possible with any changes recorded.


No. However, whenever this happens, the payout amount will be pushed back to the next payout cycle, assuming that the processing minimum will be met by that time.


Your merchant acquiring bank will withhold payouts for two weeks prior to releasing a payout for merchants. This means that the payouts received by a merchant are their earnings from the period ending two weeks prior, provided that you meet the minimum required amount of $5000.


The maximum dollar amount on each transaction is determined by your acquiring bank. The limit set by the bank is $2,000 .


Yes, Ipaytotal will reserve 10% of the transaction amount as security deposit. The reserved funds will be paid out to you after 180 days.



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In August 2019, we fly to UK to meet the CEO, we were greeted like a king and that alone has touched me on a professional level. I must also thank James Smith for all his support and advice they have been providing to us and these are simply working fantastic so far for our company. We get our settlements on schedule, no questions asked. Extract from Trustpilot ratings.

Avery Mendell
Business Development Manager, Arco Globus Intl
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