iPayTotal Review

June 3, 2022

iPayTotal is a merchant account provider for standard- and high-risk companies. It boasts of employing the best practices in the payment solutions industry by developing the methodologies for specific businesses. This software development capability allows the company to create a structured solution for any business.

It offers merchant services for high-risk industries, such as CBD businesses. However, the company did not say what other high-risk industries it serves. According to iPayTotal, it also has a UI/UX design service that creates prototypes, design patterns, wireframes, navigation, and data visualization. Here are the other services being offered by the company:

  • Software architecture
  • Custom development
  • Cloud application development
  • Managed IT services
  • Systems integration


iPayTotal Merchant Services

Credit Card Payment Processing

iPayTotal can provide a credit card payment gateway for all types of businesses. This will allow companies to process card payments and further grow their markets. Remember that every business must be able to process cash, card, and check payments in-store and online in this day and age.


High-risk Payment Processing


iPayTotal claims that it can also provide payment solutions for high-risk industries. It did not provide a list of industries, though it mentioned CBD businesses.



iPayTotal Fees, Rates & Pricing

Processing Fees

iPayTotal did not disclose the processing fees on its website. However, one review site revealed some information about the company’s pricing. The swiped and keyed-in rates are between 1.00 percent and 4.99 percent. There is also a setup fee of £4,500.

Additional Fees


iPayTotal has many additional fees. These are the following:

  • Platform Onboarding Fee – £5,000
  • Onboarding Support Fee – £2,000
  • Monthly Platform Fee – £2,500
  • Special Transaction Fee – £1

  • Third-Party Risk Check Fee – £0.015
  • 3D Secure Processing Fee – £0.030
  • E-commerce Platform Fee – £250
  • Professional Services Fee – £150

Hidden Charges

There is also no information about iPayTotal’s hidden fees.



iPayTotal Complaints

Although there are no formal complaints against iPayTotal, there are some comments about how the company shut down merchants after 12 weeks even though they paid the setup fee. Merchants also complained about the unexpected account closure, poor customer support, and an unfriendly application process.

Rip Off Reports

Some merchants called iPayTotal a ripoff.

Other Complaints

Merchants called out iPayTotal for its poor customer service.


iPayTotal BBB Rating

iPayTotal is not listed on the Better Business Bureau (BBB). Therefore, it is not an accredited company. It also does not have a rating. The bureau usually assigns a rating between A+ and F to payment processing companies and other businesses.

BBB Reviews

iPayTotal does not have reviews or complaints on the BBB site.



Is iPayTotal Legitimate?

iPayTotal seems to be a legitimate company. It has profiles on social media and business networking sites. On top of those, the company received legitimate reviews on Trustpilot and other review sites.

ScamAdviser gave iPayTotal’s website a fair rating of 65/100. While the website is not a scam, visitors should still be careful when accessing it because of possible hacking and phishing. The website only has two positive highlights, security-wise. These are the presence of online shopping features to deter scams and the fact that the site had been set up several years ago.

The website has a lot of negative highlights, such as the following:

  • The owner’s identity is hidden.
  • The Alexa rank is low.
  • The site’s server has other websites with low reviews.
  • There are not a lot of websites linking to the site.
  • There are negative references on social media.
  • There are no reviews on popular review sites.


There are many scam reports about iPayTotal. On review sites Trustpilot and, merchants called the company scam because it was apparently set up to steal credit card details. One merchant said that the previous iPayTotal had already closed, and the new one was established to do pretty much the same—run away with the clients’ money.


Despite accusations of being a scam, there are no lawsuits against iPayTotal.


iPayTotal Customer Reviews

iPayTotal has a lot of customer reviews. On Trustpilot, it has a rating of 4.5 out of 5 stars for 407 reviews. On, it has a rating of 4.1 out of 5 stars based on 137 reviews.


Many of the merchants raved about iPayTotal’s customer support and fast setup. Some even said it is the best gateway provider because it has a solid team, is a good communicator, and responds quickly to concerns. The merchants also said the team was helpful even during the COVID-19 pandemic as the company even suggested measures to protect the merchants’ profits.

At least one merchant said that iPayTotal has a low-cost fee structure. It is also apparently a good company for gaming and forex businesses. The merchants added that iPayTotal is a great international payment gateway that allows them to reach global markets.

However, there are several negative reviews about iPayTotal. One merchant argued that iPayTotal was a new company to cover the scam allegations against its previous name. Another merchant alleged that the company would just steal credit card details, while one customer accused iPayTotal of not answering his emails and not giving back the funds it held.



Although iPayTotal has some negative reviews, these are not enough to push down its rating. The company still has an excellent rating overall, so it’s safe to say that merchants can check out what it has to offer. However, merchants have to be careful in transacting over its website since ScamAdviser only gave it a “fair” rating.

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