High Risk Merchant Accounts

1. ipayTOTAL #global. HIGH RISK MERCHANTACCOUNT FOR THE GLOBALINDUSTRY The globalpayments i landscape isundergoing radical transformation. We explore the effectthat merchants andindustry participants across theglobe are having on the payments industry and analyze future trends.

2. ipayTOTAL #DRIVEN BYPASSION AboutiPayTotalTm AtiPayTotal,wecombineyearsoftechnicalandadministrativeskillswith our simple, straightforward approach. IpayTotal can help you better understand and create your higher risk account profile and guide you through the underwriting procedure followed by the bank while onboarding anapplication. FAST MERCHANTAPPROVAL We know how hard it is to get a high risk merchant account nowadays.With our extensive network of banking partners, we are able to ouer you the bestratesandquickapproval. 24-28 HOURAPPROVAL Regardless of whether you require a start-up merchant solution, a subscriptionaccount,apharmacymerchantaccount,atravelmerchant accountorsetupanoushoremerchantaccount,iPayTotalcanhelpyou setupwithlowestratesandnohasslesforyourhighriskbusinesses. After we receive all required documents, our approval process is fairly quick and doesn't take weeks to conclude. Ourpaymentexpertshaveauniqueknowledgeofthehighriskpayment market, thus enabling us to give the best possible guidance and advice to set up payment acceptance solutions for you. Our banks have been selectedtoassistourcustomerstogetthemostsecurehighriskpayment gateway solutions for their business sectors. We have chosen the banks withthehighestintegrityandmethods,addingcondence toyourpaymentprocessingsolution,togetyouthebesttransactionfees forhighrisksectors. MULTI-CURRENCY Weprovidemerchantaccountsinover 14 currencies: USD, EUR, AUD, CAD, GBP, CHF, DKK, HKD, JPY, NOK, NZD, SEK, SGD,ZAR. HIGH RISKWELCOME We process credit cards for merchants selling digital and tangible goods online and major hard to place Merchantsglobally. VIRTUALTERMINAL Our Virtual Terminal allows you to processcreditcardordersbyenteringa customer’s credit card info into a securepoint-of-salewebpage. iPaytotalHighRiskMerchantAccountServicesinLondon

3. ipayTOTAL #MODERNIZATION PAYMENTSOLUTIONSWITHYOUINMIND Makethemostofyoure-CommerceBusiness Wearereadytolistentoyourneedforamerchantsolutions. Doyouneedavirtualpaymentgateway(PoS)? Doyouneedathirdpartypaymentservice? Didyouloseyouraccountbecauseofhigh-riskactivityclassication? Doyouneedabackuppaymentservicetodiversify&balanceyourcurrentprovider? Acustomtailoredmerchantaccountsolutioncanbeavailableimmediately. Modernizingpayments Bestsolutionsatcompetitivepricing iPayTotalprovidesbest-in-classHighRiskMerchantAccountservicesatthemostcompetitivefees. i i EasilyAccessible Ourservicesareavailableviaaneasyonlineapplication. 24-48 HourApprovals OurmultipleAquirerrelationshipsensure99%%ofaccountsareAPPROVED i i Chargebackproofmerchantprocessing Wemanagesyourchargebacksat60%conversion Chargebackproofmerchantprocessing Weminimizeyourchargebacksatupto60% i i Multi-Solutions andPlacements Wehelpclientsscaledeliberately,increaseprotability andachievelongtermviability i End-to-end PaymentSolutions We work with a highly experienced and well-educated team, with morethanadecadeofexperienceintheindustry.Ourmainaimisto secure our clients from fraud services and provide them with the solutionswhichothernormalbanksrefusetoprovide. iPaytotalHighRiskMerchantAccountServicesinLondon

4. ipayTOTAL #SUSTAINABILITY Our National and International Connections with AcquiringPartnersgivesustheedgetoReliableCredit, DebitandEcheckProcessingtoalmosteveryindustry whichisconsideredhighrisk.NoMatterifyouarelocated inUSA,Australia,LatinAmerica,EUorAfrica. Wehavethecapabilitiesofgettingtherightpayment processor foryou. Whatdoyouwanttoselltoday? We bring transparency and standards to the high-risk payment processing industry, providing businesseswiththemostcompetitivedealssuitedtotheirneeds–notjustfornow,butlong-term. SECURE OurpaymentGatewayscomprisesofextralayersofsecurityandarePCIcompliant,soyoucangetonwith business.Withawiderangeofpaymentoptions,wecreateapaymentexperiencethatiseasyandsecure. COMMITED Our commitment is a promise to ourselves to live the values that our employees created; Pioneering, Courageous,OpenandFocused.Ourfourvaluesaretheheartofeverythingwedoandinspireshowwework together. TRUSTWORTHY Trustiscentraltooursuccess,keytoourconduct.Aswestrivetowardssustainabilityinallaspects, we take our responsibilities seriously and are committed to dealing fairly and with integrity with all ourstakeholders. COMMUNICATION Communicationisthefoundationofstrongrelationships.Today'sbusinessworldreliesonrelationships insomanyways.Wearealwaystheretohelpyourbusinessgrow.Our24X7supportstauisjustacallaway. GLOBAL WithiPayTotalyougetinstantglobalreachandinternationaldistributionisbuilt-in.Allthis,withasingle integration.Yourmarketisn’tconnedtoanygeographicarea,sowhyshouldyoubeconned bythewayyoureceiveonlinepayments? At iPayTotal we know that retailers like you want to get on with what you do best - running your business. We deliver honesty, transparency, and fantastic customer service. Our payment experts have a unique knowledgeofthehigh-riskpaymentmarket,thushelpingbusinessesofall kinds dojust that. iPaytotalHighRiskMerchantAccountServicesinLondon

5. ipayTOTAL #FLEXIBILITY Ourboardingprocess,ataglance. Company Checks Consentand escalationto KYC Merchant registers onCRM withourin-depthyearsofexperiencewith bankingpartnersbothintheRUandUSA weareabletoboardmerchantsinamore bank(s) UNDERWRITING Approval, Pre-approval convenienttimeframe. andissuingof Programdesignbasedonbusinessmodel, incorporating privacy and security into systems development life cycle and new productdevelopment MerchantscanstartprocessingLIVEsales IMMEDIATELYafterLIVEMIDissued LIVEMID Whateveryourbusinesssizeorneedswehaveapaymentssolutionfor you. We have customers of all sizes, from startups to major online, consumerandbusinessbrands. Our payment services range from the very simple to the most sophisticatedtailoredsolutions.Youcanemailorusesocialmediatotalk to us or you can speak to a real person on the other end of the phone 24/7. Ourteamwillprepareasolutiontailoredtoyourbusiness.Wecombine therighttechnologywithserviceandsupporttoensureyounevermiss out on an opportunity. Mobile, e-commerce, online, or in person, we ensureyourbusinesshasthetoolstosucceedatarateyoucansmile iPaytotalHighRiskMerchantAccountServicesinLondon

6. i USA: IPAYTOTALINC. 12620 Beach Blvd, Suite 3,#251 Jacksonville Florida 32246 UNITEDKINGDOM: IPAYTOTALLTD Kemp House, 160 CityRoad London,UnitedKingdom EC1V2NX +44 800 7765988 info@ipaytotal.com www.ipaytotal.com +18452154017 ipayTOTAL #we doit