IPAY — Last-Mile Payment Infrastructure

How IPAY Works

From checkout to parcel release in one controlled flow.

IPAY connects checkout intent, carrier events, payment confirmation, verification and release authorization.

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
How IPAY Works

The 8-step flow

One auditable sequence between merchant, carrier, PSP and consumer.

  1. 1

    Checkout

    The consumer selects IPAY or an IPAY-enabled payment option at checkout.

  2. 2

    IPAY Order

    The merchant, webshop, marketplace, WMS, 3PL or shipping tool creates the IPAY order.

  3. 3

    Carrier Event

    The carrier receives an IPAY-enabled delivery, pickup or locker release instruction.

  4. 4

    Payment Request

    The consumer receives a QR, payment link, app notification or wallet request.

  5. 5

    PSP Confirmation

    The PSP processes and confirms the payment. IPAY receives the payment status.

  6. 6

    Release Authorized

    IPAY validates the order and sends release authorization after successful payment confirmation.

  7. 7

    Parcel Released

    The carrier, pickup point or locker system releases the parcel.

  8. 8

    Merchant Dashboard

    The merchant receives real-time status, settlement references and reporting insights.

By design

IPAY does not need to hold funds.

IPAY coordinates the order, payment status, release authorization and reporting between merchant, carrier, PSP and consumer — funds are processed by licensed PSPs.

See the full API flow.

Test in sandbox, plug into your existing stack and go live with carrier-controlled release.

View Developer Docs Request Sandbox
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