Integration Center

iPAY offers a variety of integration options, ranging from immediate use of Web portal to a merchant-developed interface utilizing iPAY's XML posting functionality. Our Merchant Integration Team members will work with you to determine the method best suited to your business. iPAY will also help you quickly initiate your transaction processing. Below is a detailed list of options that enable data to be sent to the iPAY system over a Secure Socket Layer (SSL) connection, so no proprietary encryption of the data is required.

Interface Options

Our web-based PS Portal can be used by card-not-present merchants to process batch, ACH, and real-time credit card transactions. Batch files are easily uploaded through the interface and are processed immediately upon receipt. A response file is then returned to the merchant once processing is completed. Real-time transactions are sent through the virtual terminal in the interface. This Web-based solution is ideal for either smaller, e-commerce merchants with a limited technical staff or any size merchant that does not require a customized interface. The iPAY Gateway also offers an Integrated connection for ACH, batch, and real-time credit card transaction processing. Integration is Web-based through XML and is completely platform independent. iPAY provides clients with the ability to write their own interfaces to the software in any programming language, enabling them to customize an application that meets their specific needs. The iPAY Gateway is better suited to larger merchants who want to design their own processing interface and have the technical staff to handle the customized programming. If you decide to integrate with us through the iPAY Gateway, our Merchant Integration Team will set you up first with a test account. If you have signed up for the iPAY Gateway, you can access your test account now by clicking here (or use the developer login credentials at the single sign on). Once you have completed your integration with the iPAY Gateway, you will receive certification from our Merchant Integration Team.

The PS Portal can also be used by card-present merchants. This solution offers a virtual terminal that can be connected with any mag-stripe reader to send the transaction data to iPAY through a secure connection over the Internet..

Integration Documentation

No matter which processing solution you choose, iPAY has complete documentation to help you set up quickly and easily. Our user guides are written for a non-technical audience, and our programming guides will provide your programmer or IT group with all the information they need. We also provide documentation explaining our business logic and requirements from bankcard associations and the Federal Reserve Bank. If you are an existing iPAY merchant, please log on to our online library by clicking this link

iPAY offers a variety of integration options. Click here for an overview.