Processor Directory > iPayment

iPayment Review

iPayment is a payment processing company that has been in business for over 20 years. Located in California, iPayment serves businesses throughout the US. The company primarily works with smaller businesses but can find solutions for businesses of all sizes and types. This iPayment review and profile will give you an overview of its services, as well as insight into what its reputation suggests about being a client.


In 2017, iPayment announced that it is purchasing Leaders credit card processing, a company that it has partnered with for seeral years. Leaders will continue to operate under that name.

What payment processing services does iPayment offer?

iPayment offers a variety of services for businesses, including credit/debit card processing, ecommerce, mobile processing, pay-at-the-pump, gift and loyalty card processing, and cash advances.

iPayment homepage

Credit/Debit Card Processing

The ability to accept card payments is an expected convenience of many customers. With iPayment you can accept all major brands of credit and debit cards, helping ensure that you won’t miss a sale.


When your storefront exists in cyberspace, iPayment offers you the Authorize.Net gateway for accepting online payments. In addition to accepting all major credit and debit cards - including Visa, MasterCard, American Express, Discover, and Diners’ Club International - Authorize.Net gateways can accept international transactions and electronic checks. You can also review transactions and create reports.

With the Authorize.Net gateway through iPayment, you can prevent fraudulent transactions with the Advanced Fraud Detection Suite, including Address Verification Service, Card Code Verification, Verified by Visa, and MasterCard SecureCode services. Additionally, payment tokenization (a method of transforming sensitive data into a secure code) helps protect card data for protected transactions.

Mobile Processing

Business can’t always be tied to a single location, and for that reason people are turning to mobile options for taking payments. If you need to make your transactions on-the-go, iPayment offers MobilePay, allowing you to accept cards, process voids and refunds, calculate sales tax, and create receipts.

MobilePay works with most devices using iOS or Android systems and is PCI compliant. There is also an offline processing feature to keep transactions processing even if there is no wireless connection.


If you are in the business of refueling tanks, pay-at-the-pump services are offered by Petroleum Card Services (PCS). PCS is a subsidiary of iPayment and allows you to accept major credit and debit cards, and Fleet cards, such as Wright Express, Voyager, and Fleet One.

Gift and Loyalty Cards

Gift and loyalty cards can be used to promote your business, expand your influence, encourage repeat customers, and track spending patterns and trends. iPayment offers both options, and each can be customized or predesigned cards and supported at multiple store locations.

Gift cards can be loaded and reloaded by your customers. They make great gifts for all kinds of occasions and can encourage spending. Loyalty cards allow your customers to earn points and rewards when they shop with you or use your service, increasing the chances they will stick with you over other similar options.

Cash Advances

iPayment offers cash advances with up to $250,000 in funding available. Quick cash for your business might seem tempting, but cash advances are often an expensive venture. Compare other options and know what you are getting into before signing up.

What about equipment with iPayment?

It is unspecified whether you must purchase equipment through iPayment, or if you have the option of using your existing equipment, but iPayment does offer various models of payment processing devices.


iPayment offers countertop payment terminals (both standard and wireless) in popular brands like Verifone, Ingenico, and Dejavoo. Features vary by terminal, but include options like customizable menu, backlit keys, PIN pads, built-in thermal printers, and easy portability.

POS System

If you are looking for a way of combining register functions, customer management, and back office work into one integrated system, then a POS System might be right for you. iPayment offers a POS System from banq. It is a tablet based system that is designed to be sleek and efficient.

iPayment MobilePay

MobilePay is a small, PCI compliant device that can attach to your tablet or smartphone, giving you the option to accept card payments. It is compatible with iOS and Android devices. The app that goes with it can also help you with reporting, receipts, inventory, and various kinds of transactions.

Is there any assistance with reporting?

iPayment offers a reporting tool called iAccess. With iAccess you can access your business’s account anywhere there is internet. You will have access to individual transactions and batch history, statements, deposit history, transaction qualifications and downgrades, and chargeback history.

iPayment Rates and Fees

iPayment doesn’t list any pricing on its website. This is often because pricing fluctuates depending on the needs of individual businesses. If you are interested in knowing how much you would pay for iPayment’s service, you can request a fully disclosed quote through CardFellow. Our free service helps you compare pricing of different processor without the hassle of aggressive sales people.

iPayment Reviews 

iPayment has been accredited with the Better Business Bureau since 2011 and currently boast an A+ rating in spite of 276 complaints closed in the last 3 years. It also has 31 reviews with the BBB, 26 of which are in the negative experience category.

The complaints allege billing mistakes in which extra charges would be added to their bill, then rude customer service agents who would fight not to take the extra charges off. Others complain of elevated fees and raised rates that prompted them to cancel, only to be charged hundreds of dollars because of cancellation fees. Still others claim difficulty getting iPayment to stop charging their account even after cancellation. Reports of held funding, bad risk management team and customer service, rates that are much higher than disclosed, hidden fees, and more are also found throughout the 279 entries.

A quick search on Ripoff Report for iPayment reveals 130 angry reports. Similar to the complaints with the BBB, clients claim being scammed and robbed by the company. Some report losing hundreds of dollars from working with them, others claim into the thousands of dollars. 15 reviews on Yelp, one giving it 5 stars and the other fourteen giving it 1 star (though some lament in the reviews not being able to give it 0), tally up to a 1.5 star rating out of 5. The one positive review flies in the face of everything mentioned, saying it’s a great company with no hidden fees, no contracts and low pricing. The other 14 reviews couldn’t be more opposed.

Not everyone has the same experience even when dealing with the same processor. If you have worked with iPayment and have something to say about it, please leave a review!


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Posted by CardFellow on Mar 09, 2016


iPayment is an exceptionally large independent sales organization (ISO) that's been around for a long time. It sells its processing services through virtually every channel possible, including through large sub-ISO, such as Flagship Merchant Services. The more sales channels a merchant service provider utilizes, the more its service tends to suffer, which is the case with iPayment. Like all processors, pricing and terms are set on a per-case basis. Businesses that know the right questions to ask can get a fair deal through one of iPayments many sales channels, but those that don't will likely get quite the opposite.

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