iPayment Review, Features & Pricing [2020]

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  • EMV Reader
  • Mobile Payments
  • Full Scalability

Key Features

  • Retail, online, mobile and MOTO options
  • Traditional and POS solutions including Clover®
  • Meet or Beat price guarantee
  • Free hardware placement programs (terminals and Clover)
  • Free statement analysis
  • Free business management dashboard
  • Suite of business management tools (inventory, time clock, gift, loyalty, etc.)


Pricing varies based on your individual business and the type of merchant account you need, but iPayment offers a wide range of options including free hardware placement programs on terminals and Clover. Pricing ranges from .38% to 1.58% for retail (.98%-1.98% on Internet) with per transaction costs of $.19 to $.21; all with no set-up fees, a $7.95 monthly fee and, if needed, a $5.95/month gateway fee.

Things To Note

With iPayment, you will have access to the full spectrum of hardware and software that you might require to run your business. Some of the most technologically advanced POS devices and software packages and apps are available through iPayment. One of their primary POS systems is available through Clover business management solutions which offers more than 300 apps and a variety of hardware for you to choose from.

Solutions are scalable and able to grow with your business without the need to invest a fortune in new infrastructures. With all these choices on hand you will be able to build a powerful business management solution for your business.

In A Nutshell

From online processing to POS hardware and software, iPayment has you covered with some of the best solutions available. You will always be up to date with the latest trends in payment solutions which will allow you to receive any type of payment from your customers.

With secure online payments that you can receive via virtual terminal or over the phone and smartphone payments on the go with a POS system, iPayment offers it all, thus securing you to receive payments from anywhere at any time.


Headquartered in Southern California, iPayment is a well-established and recognized leader in providing fair, transparent payment solutions to small and medium-sized businesses. The Company now boasts over 137,000 customers and over 26 billion in annual processing volumes.

iPayment is one of the few companies that is consultative in its approach. They work with each merchant customer to understand their individual business needs and match them with the right merchant accounts and/or payment solutions to help them build, manage and grow their business. Because of its size and reach, iPayment is able to offer hyper-competitive pricing, a wide range of programs and offers, a suite of EMV® and contactless compatible hardware, online, mobile and point-of-sale solutions.

Integrations with existing software is also possible and this includes large e-Commerce shopping cart providers. Value added services like gift cards, advanced analytics and reputation management are only a few of the type of services that iPayment offers. They also offers a merchant cash advance, through iPayment Capital, for qualifying merchants who need working capital to build and grow their business. If approved, you would have a contract with iPayment to pay the cash advance back through a percentage of your daily sales.

iPayments Credit Card Processing BEST FEATURES

Experience and Support: iPayment has more than 20 years of experience and is a well-established, trusted provider in the space.

Product Breadth: iPayment is a leading reseller of Clover and they offer a full suite of products for any time of business; coupled with a wide range of value added services that merchants can choose from.

Flexible Programs and Pricing: iPayment is not a ‘one size fits all’ organization. They offer flexible options to meet any business; from month-to-month Agreements to longer term Agreements that can include free hardware placements. The choice is yours.

Customer Service and Technical Support: iPayment provides complimentary, in-house customer service and technical support. And, they have a free online business management portal too, which is provided to all customers.  

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