ipaytotal offers a comprehensive CBD payment processing solution tailored for high-risk merchants, facilitating secure credit and debit card acceptance both at the point of sale and online. The service addresses challenges in the evolving payments landscape, including technology changes, regulations, and security concerns, while providing fraud protection and competitive processing rates. Additionally, ipaytotal supports ACH payments and e-check processing to enhance transaction efficiency for CBD businesses.

1. CBD
PAYMENT
PROCESSING
SOLUTION

2. IPAYTOTAL PROFESSIONAL
SERVICES PACKAGE
FOR MERCHANT
ACQUIRING
The payments landscape is a changing one, characterised by
globalisation, regulation, new technology and increasing
diversity of consumer payment methods. There is, therefore, a
growing challenge to manage the complexity associated with
the provision of a secure, high quality, end to end service to all
stakeholders in the payments value chain.
If you are a retail or service business owner, it is vital to offer
your customers the opportunity to pay by credit or debit card.
IPAYTOTAL can help make the card acceptance process as
easy as possible.
With our all-inclusive card processing solutions, we can help
you attract more business and improve customer service.
With IPAYTOTAL, you’ll have the ability to accept major card
brands at the Point of Sale or as an e-merchant via a business
website.
IPAYTOTAL Services Packages are concise, professional
service-led engagements that help form the business case for
change. IPAYTOTAL’s Payments and Transactions engagement
responds directly to the key challenges faced by our customers
involved in the payments industry.

3. WHAT ARE THE
CHALLENGES?
The payments environment is undergoing
substantial change at present. There are
a number of key drivers for this change
which present challenges to those
involved in the payments processing value
chain.
These drivers include:
• Technology change – the evolution of
core technologies is seeing a drive
towards ubiquitous IP‑enablement
• The Introduction of new legislation in
Europe (e.g. Single European Payment
Area) is driving the creation of a more
joined up infrastructure and consolidation
of payment service providers across
multiple countries

4. • Convergence of devices - smart cards
and mobile devices (e.g. phones, PDAs)
• Fragmented marketplace with many
suppliers
• Emergence of ‘low value payments’ -
presenting a variance on traditional
payment processes
• Linking of payment processing to
ticketing, loyalty and mobile top ups
• Large numbers of mobile phone users in
developing countries seen as potential
customers for new and emerging payment
offerings
• Proliferation in the number and types of
connections between a point of sale and
a host data centre
• Increase in transaction types and
volumes resulting in inevitable increases in
costs to manage and resolve issues in the
value chain
• Growing concerns at levels of security.

5. IPAYTOTAL
PROFESSIONAL
SERVICES PACKAGE
FOR CBD MERCHANT
If you are a CBD retailer or CBD
Merchant, it is vital to offer your
customers the opportunity to pay by
credit or debit card. IPAYTOTAL can
help make the card acceptance
process as easy as possible.
With our all-inclusive card processing
solutions, we can help you attract more
business and improve customer
service.
With IPAYTOTAL, you’ll have the ability
to accept major card brands at the Point of
Sale or as an e-merchant via a business
website.

6. SOLUTIONS FOR CBD
MERCHANT
PROCESSING
iPayTotal is a CBD payment processor that
provides CBD merchants with premium high-
risk merchant services. We utilize a variety of
processing techniques to ensure that CBD
merchant processing is a smooth and simple
process for our high-risk CBD Merchant
Account.
As a CBD payment processor, iPayTotal works hand in hand with
CBD merchants to protect their businesses from account
closures, fraud, and chargebacks. We offer award-winning fraud
and chargeback protection and have strong relationships with
over 40 banks who work with high-risk merchants both in the
United States and offshore.

7. SOME OF THE
FEATURES OF YOUR
CBD MERCHANT
ACCOUNT INCLUDE:
• Multi-bank processing (including off-
shore)
• Secure payment gateway
• Chargeback alerts
• Chargeback disputes
• Bitcoin Processing
• Fraud prevention and protection
• Competitive processing rates (below
6%)
IPAYTOTAL helps businesses maximize
their online selling power with secure
credit card and debit card processing.
We offer processing for – Visa,
MasterCard, American Express, Discover,
Diners Club and JCB.

8. ECHECK PROCESSING
FOR CBD/HEMP OILS
While debit/credit cards are some of the most
well-known ways to pay electronically,
businesses can accept one-time or recurring
Automated Clearing House (ACH) Network
payments directly from their customer’s bank
accounts, at a lower transaction fee than debit
cards and credit cards. Businesses can even
convert the paper checks they accept at the
point of sale to electronic checks (E-checks),
ensuring that funds are deposited quicker and
in a more secure manner.
The managed payment gateway service
enables merchants to securely and reliably
authorize and settle card transactions. It offers
leading edge capabilities for securing sensitive
card data that can assist merchants with
meeting their PCI DSS requirements.

9. IPAYTOTAL successfully processes millions of transactions a
week for CBD merchants. To find out more about our
customizable global payment solutions for high-risk
merchants – including active account monitoring for fraud,
chargeback management and real-time reporting – please
visit www.ipaytotal.com
FIGURE 1.
According to Wikipedia, an
annual report is a
comprehensive report on a
company's activities
throughout the preceding
year.