Platform
One infrastructure layer for payment, verification and release.
IPAY is a carrier-independent infrastructure layer connecting merchants, carriers, PSPs, webshops, marketplaces, WMS, shipping tools, 3PLs, 4PLs and consumers in one controlled payment and release flow.
IPAY connects the merchant, carrier, PSP and consumer without replacing existing checkout, PSP or carrier systems. It adds a trusted payment, verification and release layer for the final mile.
This makes IPAY suitable for home delivery, pickup points, lockers, customs payments, smart returns and cross-border commerce.
Core building blocks
Six orchestration layers, one platform.
Order orchestration
Create and manage IPAY-enabled orders from webshop, marketplace, WMS, 3PL, 4PL or shipping software.
Payment orchestration
Trigger payment requests by QR, payment link, app or wallet, processed by the selected PSP.
Verification
Confirm payment status, customer action and release readiness in one controlled flow.
Carrier release
Authorize parcel release only after the required payment state is confirmed.
Settlement & reporting
Clear payment, release, fee and settlement reporting for merchants, carriers, PSPs and partners.
Compliance & audit trail
Every order, payment event, carrier event and release status is logged.
The IPAY ecosystem
One API. Many platforms. Any carrier. Any PSP. One release layer.
AI-enabled operations layer
Built to scale. Quietly powered by AI.
AI is not the product — IPAY is. But behind every payment, shipment and release, an AI-assisted operations layer keeps the network fast, accurate and lean across countries, carriers and PSPs.
AI-assisted payment routing
IPAY can recommend the best available PSP, wallet or fallback route per country, merchant and payment method based on availability, success rate and cost.
AI-assisted shipping rules
IPAY helps merchants define country, carrier, delivery-method and payment-method rules based on margin, cost, delivery risk and payment availability.
AI-assisted margin intelligence
The platform supports margin checks before shipment, including delivery cost, IPAY fee, PSP cost, carrier payment-check fee, duties and return-risk assumptions.
AI-assisted Control Room
Real-time monitoring of PSPs, wallets, payment methods, incidents, fallback usage, settlement exceptions and carrier release blocks.
AI support & onboarding
AI-assisted help guides merchants, carriers and consumers through payment links, delivery release, onboarding steps and operational questions.
AI is used in a supporting role only. Final payment processing remains with licensed PSPs, release remains controlled by the carrier, and commercial decisions remain with the merchant. IPAY does not hold funds, does not lend and does not extend credit.
Reporting & Intelligence
Every payment, release and exception — explained.
IPAY captures event-level data across merchant orders, PSP confirmations, carrier release events, locker pickups, duties payments and Smart Returns. The reporting layer turns that into dashboards, exports and AI-assisted insights for merchants, carriers, PSPs and partners — across countries, channels and delivery moments.
- Payment success & confirmation timing
- Carrier release status & exceptions
- Smart Returns prevention & reasons
- Settlement & reconciliation exports
- Country, method and channel splits
- App vs web vs payment-link breakdown
Connect to the IPAY platform.
Talk to us about merchant onboarding, carrier pilots, PSP partnerships or API access.