iPay represents a similar service to business owners as an Authorize.net. What that means is that they are a payment gateway provider and not an actual merchant account. iPay is often paired with a Global Payment account allowing business owners to actually process payments from the point of sale to their bank account.
As a payment gateway provider iPay is focused on online merchant accounts, or other non card present environments where a business owner can enter payments in through a computer. While limited in the scope of its offerings, iPay’s gateway does not at this time allow merchants to use their product with any 3rd party swiper technologies. This locks their customers into the higher non-qualified rates that accompany these types of transactions. Where iPay does offer a competitive advantage over some of their competitors is in their ability to handle multiple currencies. As such if you are doing international business or need to accept payments from non-domestic entities iPay is an attractive option.
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Note: Before you get started here is a final piece of advice from our co-founder Robert Evans on the importance of calling a merchant service provider and avoiding the temptation to ask for rates and quotes through email alone. Why You Should Always Call
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Stay or Switch from iPay To Another Merchant Service?
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