IPAY Ecosystem

Connecting carriers, merchants and payment providers through one last-mile payment infrastructure layer.

 IPAY is designed as an open infrastructure layer that links delivery, payment and

checkout flows across the ecosystem.

One infrastructure layer. Multiple ecosystem participants.

IPAY enables real-time coordination between merchants, carriers, PSPs and logistics partners

— without handling funds.

For COD Carriers (Asia & Eastern Europe)

IPAY helps carriers evolve from cash-heavy COD operations to digital Pay-on-Arrival flows — step by step, without disrupting delivery operations.

For non-COD Carriers (Western Europe)

IPASY is adding additional margin and a solution to improve profitablity Lockers.

Benefits IPAY vs COD

• Reduce cash handling complexity
• Improve driver efficiency
• Gain real-time payment visibility
• Reduce reconciliation friction
• Measure COD-to-IPAY transition over time

Benefits IPAY vs BNPL/Prepaid

• Merchants have higher conversion rates, so more orders
• Increased margin per order (IPAY Fee)
• Increased profitability Lockers
• debt free solution for consumers