Full-featured and easy to integrate, our payment gateway is friendly for both merchants and developers.

Online payments of all kinds

Whether you are running an online storefront, subscription-based business or mobile commerce app, you can use IPGPAY to process online payments in over 40 currencies.

IPGPAY supports all transaction types, including pre-authorisation and capture, sales, voids as well as partial and full refunds.

Unlike most other payment gateways, IPGPAY includes recurring billing for subscription, recurrent payments and donations as standard features, providing merchants with a range of tools, such as coupons, flexible billing periods, free/paid trials, multiple subscription plans and pro rata plans, at no extra cost.

With IPGPAY's administration dashboard, merchants can easily handle full or partial refunds in real time, check transaction status and run comprehensive reports, which are simple to download.

With a single integration or connection to IPGPAY, additional payment methods, options and currencies can be made available, usually with little or no additional technical work from the merchant.


One-Click payments

Customers can opt in during checkout to store their credit card details, which will allow them to make future purchases on that card with just one click.


BIN routing

For merchants working across different geographical regions, IPGPAY's intelligent transaction routing, including bank identification number (BIN) routing, can reduce unnecessary fees by using the most cost-effective localised acquiring solution.

Simple integration and
customisable checkout

IPGPAY merchants have a choice of secure integration options to best meet their needs.

Hosted payment page

The high-security payment page we host for you can be fully customised to match the look and feel of your website. As an option, a URL of your choice can appear on the payment page rather than IPGPAY's, maintaining the continuity of the shopping and purchasing experience for your customers.

Merchants can fully brand their payment page and customise the fields displayed so customers only see the relevant ones. Customers can choose the language used on the page and the currency for the transaction. The simplicity of this payment process will increase conversion rates.

As an option, IPGPAY's hosted payment page fully supports customisation via cascading style sheet (CSS).

Direct integration API

For advanced merchants that are PCI DSS-compliant, IPGPAY offers a direct integration API that enables merchants' websites to communicate directly with IPGPAY. One of the advantages of this integration method is that the merchant can host and manage the payment pages, keeping their customers' sensitive data and the entire shopping experience in-house.

IPGPAY can be tightly integrated into merchants' frontend and back-office systems, providing a comprehensive range of operations for taking payments, issuing credits, settling existing orders and retrieving data from the reconciliation services. Many features of the direct integration API can also be used in conjunction with the hosted payment page integration.

Bank-grade security
and reliability

Since 2004, the IPGPAY platform has had the highest level of security certification that can be obtained by banks and financial institutions globally - Level 1 Payment Card Industry Data Security Standard (PCI DSS).

With a dedicated and purpose-built infrastructure for payment processing, IPGPAY's gateway has a proven track record of robust reliability going back more than 15 years. We offer an uptime guarantee of 99.99% to give peace of mind to our merchants, who include some of the world's largest online retailers doing tens of thousands of transactions a day.

Because our own team of in-house experts developed and maintains the IPGPAY gateway, we are able to add and modify functionality at any time and provide customisation to suit our merchants' specific needs.

Fraud detection and
risk management

As specialists in online payments and e-commerce, we know fraud is an ever-present risk. IPGPAY provides comprehensive and flexible tools to help manage risk while optimising conversion rates.

IPGPAY analyses each payment in real time using a proprietary risk rule-based system fine-tuned not just for the merchant, but down to the profile of each transaction. As a minimum, each payment is profiled against velocity and frequency checks and is validated against an everexpanding black list of banned and white list of allowed transactions.

IPGPAY’s Asia-based risk team constantly monitors merchants' payment and transaction patterns, looking for opportunities and solutions to fraud and risk issues. This service is provided at no additional cost to our merchants.