Last-mile payment infrastructure

Pay On Arrival.

The payment and release layer for last-mile commerce.

AI-enabled · API-first · Carrier-controlled · No funds held

IPAY connects merchants, carriers, consumers and payment providers at the moment of delivery, pickup, locker release or customs payment. QR payment, PSP confirmation, release authorization and reconciliation — without IPAY holding funds.

No cash handling
No BNPL debt
No prepayment hesitation
Carrier-controlled release
PSP-powered payment flow
Merchant-owned customer relationship

Start as Merchant Pilot as Carrier Partner with IPAY View API

Payment confirmed · Parcel released

No funds held by IPAYLicensed PSP processingCarrier-controlled releaseImmutable paid stateFull audit trailAPI-first infrastructureMerchant-owned customer relationshipGDPR-ready · Role-based accessNo funds held by IPAYLicensed PSP processingCarrier-controlled releaseImmutable paid stateFull audit trailAPI-first infrastructureMerchant-owned customer relationshipGDPR-ready · Role-based access

Why IPAY now

Cash is fading. BNPL is under pressure. The trust moment is moving to the last mile.

E-commerce is moving away from cash-on-delivery, while BNPL faces regulatory and credit-risk pressure. At the same time, merchants need higher conversion, carriers need more efficient delivery flows and PSPs need more local payment volume.

IPAY solves this by creating a controlled payment and release moment in the last mile — delivery, pickup, locker release or customs payment. AI supports payment routing, shipping rules, margin checks, exception handling and support, while the core platform remains API-first, auditable and carrier-controlled.

Positioning

IPAY is not another PSP. IPAY is the last-mile orchestration layer between PSPs, carriers and merchants.

Stripe, Adyen, Airwallex, Xendit, Worldline, Mollie and local wallets process the payment. IPAY controls the order state, payment request, release authorization, carrier status and reconciliation — at delivery, pickup, locker release and customs.

Payment processing

Stripe / Adyen / Airwallex / Xendit / Worldline / Mollie
Local wallets and methods
Card networks · iDEAL · Wero · BLIK · GrabPay · MoMo
Settlement to merchant bank account

Last-mile orchestration

IPAY Order state machine
Payment request (QR / link / app)
Release authorization to carrier
Reconciliation across merchant · carrier · PSP · IPAY

IPAY does not replace PSPs. IPAY extends payment volume into the last mile and gives carriers a clear release signal after confirmed payment status.

Launch week — IPAY pipeline

Real onboarding pipeline · updated by IPAY · names withheld for partner confidentiality

3Carrier pilots

12Merchants in onboarding

5PSP conversations

7Software partners

EU + AsiaMarkets covered

What IPAY solves

The checkout is no longer the only payment moment.

Many consumers hesitate to pay before receiving their parcel. Cash on Delivery is expensive and operationally complex. BNPL creates debt exposure and return pressure. Prepayment creates friction when trust is low.

IPAY creates a digital payment moment at delivery, pickup, locker release or customs clearance — orchestrated between merchant, carrier, PSP and consumer in one auditable flow.

For merchants

Increase conversion without offering credit.

Learn more

For carriers

Monetize delivery, pickup and release without cash handling.

Learn more

For PSPs

Capture new payment volume beyond checkout.

Learn more

For consumers

Pay when the parcel is actually there.

Learn more

The IPAY flow

From checkout to parcel release in one controlled flow.

IPAY orchestrates the order, payment request, PSP confirmation, carrier release event and merchant status update.

The Pay On Arrival flow

1
Checkout
2
IPAY Order
3
Carrier Event
4
Payment Request
5
PSP Confirmation
6
Release Authorized
7
Parcel Released
8
Merchant Dashboard

Trust

Payment processed by licensed PSPs. No funds held by IPAY.

Control

Carrier releases only after confirmed paid state.

Visibility

Full audit trail for every transaction event.

See the full flow View API

One infrastructure layer

Any carrier. Any PSP. Any platform.

IPAY sits between the merchant, carrier, PSP and consumer. The platform does not replace existing checkout, PSP or carrier systems — it adds a trusted payment, verification and release layer for the final mile.

Suitable for home delivery, pickup points, lockers, customs payments, smart returns and cross-border commerce.

Explore the Platform Integrations