Need help with anything about iPay?

This is the place to find all the information you need on iPay . Select any of the sections below for more details on specific topics or read through the summary below for quick links for answers to most of the frequently asked questions:    

          Find out more about our solutions and how to integrate into your application or shopping cart, click here.

For developers, we provide a simple API, to get you setup and accepting payments in a matter of minutes. Check out our sample code to get started.

For consumers, businesses and our partners, looking to Top-UP and Make Bill payments, we offer simple, flexible ways to pay for a variety of bills and services. Checkout our payments network and market place.

For updates and latest news on our progress , follow us on Facebook or Twitter .

 

For more information and any other details, kindly check out our Terms of Use and ourPrivacy Policy. If you can’t find an answer to your questions, Email us @ info@dareworks.com and we will get back to you as soon as we can.

Thank You.

Get a payment processing service with no upfront cost and no hidden charges

It's that simple. No Set-Up Fees. Merchants and Business owners only pay a transaction fee on transactions processed through the platform.

iPay Merchants pay iPay just 3% on the total sale amount plus a GHs 0.50 fee per transaction.

Discounted Merchant Rate:

As low as 2.5% based on volume.

Discounted Rate for Eligible Non-Profits:

As low as 2.2% based on volume.

Opening Your Account

In order to use iPay merchant and payment services you must first open an iPay account by registering your details. As part of the signup process you will need to accept these Terms and Conditions and our Privacy Policy. If you order additional services, you may be asked to accept additional terms and conditions. You should print out and keep a copy of these terms and condition for future reference. You will receive a merchant key upon opening your account which you are mandated to keep secure. 

You must be 18 years or older to use our services and by opening iPay account you declare that you are 18 years or older. This does not apply to products for which we set different age limit. We may require at any time that you provide evidence of your age. You may only open one iPay merchant account unless we explicitly approve the opening of additional accounts. 

All information you provide during the signup process or any time thereafter must be accurate and truthful. You may only add payment instruments (such as bank accounts, mobile money numbers) to your iPay Account if you are the named holder of that payment instrument. We take any violation of this requirement very seriously and will treat any attempt to add a payment instrument of which you are not the named holder as a fraudulent act.

Maintaining Your Account

This guide covers some of the basics of setting up and using your iPay account. As you begin to integrate iPay into your website or app, you'll want to know about the following account features and processes:

  • Basic and Standard Modes
  • Merchant keys
  • Upgrading your account
  • Keeping your account safe
  • Transaction Reporting

Basic and Standard modes

Every iPay account is divided into two universes: BASIC and STANDARD

BASIC mode (Max transaction limit = GHs 3000 per month)

You can use iPay in this mode until you upgrade your account. In this mode, you can make and receive mobile money payments only and you will receive your funds to your mobile money account number specified under the account management tab. This is ideal for individuals, corner shops or small businesses looking to receive mobile money payments in shop or offline.

STANDARD mode (Max transaction limit = unlimited)

The standard mode is ideal for registered business requiring more complex integration and ability to receive VISA and MasterCard payments in addition to mobile money payments and link a bank account for settlements.

Merchant keys

You will need a merchant key to receive or make payments with your iPay account. Each key exists either in the live universe or in the test universe, and this is how iPay tells what universe you are interacting with. You should only use your test API keys for testing. This will make sure that you don't accidentally modify your live customers or charges.

If you cannot see your Merchant keys in the Dashboard, this means that you have not completed your account setup. To complete your account setup, you will have to setup a remittance account and verify the account by authorizing the debit to your account.

Upgrading your account

Before upgrading your account, you can only interact with iPay in basic mode. All of iPay's features are available in basic mode, though no VISA and MasterCard transactions can be done.

To upgrade your account to standard mode, select the upgrade toggle at the top section of your iPay dashboard. You will be required to provide some more detailed information about your business in order to upgrade your account. Once you've submitted your application for account upgrade, our customer service executives will review your application and approve it for an upgrade if you have sufficiently provided all the information required to upgrade your account. If we see a problem, we'll get in touch right away to resolve it as quickly as possible.

Keeping your account safe

You must ensure that the information recorded on your iPay Account is always accurate and up to date and we shall not be liable for any loss arising out of your failure to do so. We may ask you at any time to confirm the accuracy of your information or to provide documents or other evidence. 

We may contact you by e‐mail or by phone with information or notices regarding your iPay Account. It is your responsibility to regularly check the proper functioning of your e‐mail account or other methods of communication that you have registered with your Account and to retrieve and read messages relating to your Account promptly. We shall not be liable for any loss arising out of your failure to do so.

Transaction Reporting

Payments received and transaction details are displayed in your back‐office tool together with the fees charged if any. Each transaction is given a unique transaction ID and shown in the transaction history. You should quote the transaction ID when communicating with us about a particular transaction. You should check your transaction history regularly. You should report any irregularities or clarify any questions you have as soon as possible by contacting Customer Service.

Receiving your Funds & Payouts

If you receive funds into your iPay Account, we will send you a notification e‐mail and display the payment as a Receive Money Transaction in your transactions history. You should regularly reconcile incoming payments with your own records. We pay you for your transaction (minus our fees). We issue only a minimum transfer of GHS 200. If your collected funds are less than this minimum, it shall remain pending transfer till your transactions reach the minimum GHS 200 limit. Payouts are typically sent to your designated settlement account on a weekly or monthly basis based on your account type and as agreed at the time of signing up for the service or from time to time. 

The receipt of payments is subject to fees and currency conversion, depending on the type of payment you receive. You are responsible for refunds, returns, and liable for customer disputes (chargebacks). iPay submits the settlement request for the merchant’s payments to the Remittance institution and Account specified on the Merchant’s Account Details . The settlement of funds between the issuing bank (iPay Bankers) and the Merchant Remittance institution occurs. Following the settlement, the Merchant Remittance institution credits the merchant's account. Information about when funds will be deposited depends on the Merchant Remittance institution.

For more information and any other details, kindly check out our Terms of Use and our Privacy Policy.

Refunds and Returns

For any failed transactions or customers who require refunds these transactions fall outside of the remit of iPay, the customer shall be directed to report such requests directly to you the merchant. 

By accepting these terms of service, you agree to submit any and all refunds and adjustments for returns of your products and services through the iPay Service to the customer in accordance with the terms of this Agreement. We require that you will (i) maintain a fair delivery and return, cancellation or adjustment policy; (ii) disclose your delivery, return or cancellation policy to customers at the time of purchase. 

Full refunds must be for the exact amount of the original transaction including tax, handling charges, and other. The refund amount may not exceed the original sale amount except by an amount equal to any reimbursements to customer for postage costs incurred for product returns. You will use best efforts to process all refunds within sixty (60) days after the original transaction date, and you acknowledge that refunds processed after that time may not be capable of being processed. 

For processed refunds, iPay will deduct the refund amount (including any applicable Fees) from (i) settlement funds owed to you from processing of other transactions. If these funds are not sufficient, you agree to pay all funds owed to iPay upon demand. You are solely responsible for accepting and processing returns of your products and services; iPay has no responsibility or obligation for processing such returns.

Chargebacks

A Chargeback is typically caused when a customer disputes a charge that appears on their bill. A Chargeback may result in the reversal of a transaction, with the amount charged back to you. You can be assessed Chargebacks for: (i) customer disputes, or (ii) unauthorized or improperly authorized transactions, or (iii) transactions that do not comply with the terms of this Agreement or are allegedly unlawful or suspicious, or (iv) any reversals for any reason by the Card Network, our processor or acquiring bank, or the cardholder bank. 

When a Chargeback is issued, you are immediately liable to iPay for the full amount of payment of the Chargeback plus any associated Fees, fines, expenses or penalties (including those assessed by the Card Networks or our payment processors). You agree that iPay may recover these amounts by setting off any amounts owed to you by us. If we are unable to recover funds related to a Chargeback for which you are liable, you will pay us the full amount of the Chargeback immediately upon demand. You agree to pay all costs and expenses, including without limitation attorneys’ fees and other legal expenses, incurred by or on behalf of us in connection with the collection of any unpaid Chargebacks unpaid by you.

Taxes

It is your responsibility to determine what, if any, taxes apply to the sale of your products and services and/or the payments you receive in connection with your use of the Service ("Taxes"). It is solely your responsibility to assess, collect, report, or remit the correct tax to the proper tax authority. We are not obligated to, nor will we determine whether Taxes apply, or calculate, collect, report, or remit any Taxes to any tax authority arising from any transaction.

Prohibited Transactions

It is strictly forbidden to use your iPay Account for any illegal purposes including but not limited to fraud and money laundering. iPay will report any suspicious activity to the relevant law enforcement agency. You are prohibited from using your iPay Account in an attempt to abuse, exploit or circumvent the usage restrictions imposed by a merchant on the services it provides. 

It is yours and not iPays’ responsibility to ensure that you only receive payments from persons or entities for the sale or supply of goods and services that you may provide or receive in compliance with any applicable laws and regulations. The mere fact that a person or entity accepts payments through iPay is not an indication of the legality of the supply or provision of their goods and services.

Closing Your Account

We can terminate this agreement at any time (especially if you do something bad).You may also close your iPay account at any time by contacting customer service. Termination is effective immediately and does not alter your liability for processed payments or related chargebacks. 

Closing your Account does not extinguish the personal data we hold on you and we will continue to store such data, including transaction history, for a minimum period of five years as required by law.

Read Our Terms of Use

1. About our terms of service

Welcome to iPay. We developed this payment service (the “Service”) to make it easy for our users’ process payments from a variety of sources such as mobile money, credit or debit card and bank account payments online from their customers so they can focus their core business, product or service. We are partners to the major electronic issuers in Ghana, be it the mobile money institutions, or banks and while we can accept payment on your behalf (ie, money hits our accounts and we transfer to you). iPay is able to process payments directly to your accounts so we don’t come in at all. Also iPay is built in a way that allows us to support more payment options. 

These terms and conditions govern the opening, use and closure of your iPay Merchant account. Together with our privacy policy, they constitute the legal relationship between you and us. For the use of additional services, you may have to accept additional Terms and Conditions as advised when you are ordering or using such services. You are advised to keep a copy of these Terms of use for future reference. You can always view the latest Terms of use on iPay website – www.ipay.com.gh.So, should you have any questions or concerns or would simply like to better understand how we do things at iPay, please do not hesitate to email us at info@dareworks.com .Below is a quick description of the sections in this Agreement, but there are important details in the whole document, so you should read it.

2. The iPay Service

iPay is a payment processing product of DareWorks Limited a company registered in the Republic of Ghana. The Service facilitates the processing of payment transactions to complete a payment for a purchase between a Buyer and a Seller (Merchant).iPay may delay payment processing of suspicious transactions or transactions which may involve fraud, misconduct, or violate applicable law, this Terms of Service for Buyers, or other applicable iPay or Service policies, as determined in iPay's sole and absolute discretion. Buyer authorizes the charge or debit to Buyer's Payment Instrument as necessary to complete processing of a Payment Transaction. Buyer also authorizes the crediting to Buyer's Payment Instrument in connection with reversals, refunds, or adjustments through the Service. By using this service, you acknowledge and agree that your purchases of Products are transactions between you and the Seller (Merchant), and not with iPay, Dareworks or any of iPay's affiliates. iPay is not a party to your purchase of Products, and iPay, Dareworks or other iPay affiliates are not a buyer or a seller in connection with any Payment Transaction, unless expressly designated as such.

3. Registering for iPay

You provide us with basic information about your company; we will seek to verify your information (we may work with third parties to do so) and approve your merchant account unless deemed risky (by us or our payment processors). You give us permission to do all this, and to periodically update the information or we otherwise must decline to offer you the service.

4. Your iPay Account

Your iPay account is an account which enables you to receive payment from any issuer integrated into the iPay platform (for the purposes of this document, we define an issuer as any entity which can provide an electronic means of funds transfer and payment). 

Your iPay account is denominated in the Ghanaian currency. This will remain so until, such time when any changes are made. 

By default any payment received (minus our fees) are automatically cleared to a licensed bank account or any other settlement account provided to iPay during your account setup stage, on 7 day rolling basis unless within 48 hours. 

All funds related to transaction detailed on an iPay account belong to the person or legal entity which registered as the account holder. No person other than that Account holder has any rights in relation to the fund held in an iPay account, except in cases of succession. You may not assign or transfer your iPay account to third party or otherwise grant any third party a legal or equitable interest over it.

5. The Relationship Between Merchant & iPay

By registering for the Service, you appoint iPay as your agent to process payments on your behalf in accordance with your instructions, subject to the terms and restrictions of this Agreement. 

iPay will at all times hold your funds separate from its corporate funds, will not use your funds for its operating expenses or any other corporate purposes, and will not voluntarily make funds available to its creditors in the event of bankruptcy or for any other purpose. 

You acknowledge that (i) iPay is not a bank and the Service is a payment processing service rather than a banking service, and (ii) iPay is not acting as a trustee, fiduciary or escrow with respect to your funds, but is acting only as an agent and custodian. 

By receiving payments through the Service, you appoint iPay as your agent to cause the funds to be deposited on your behalf in the Holding Account until you further instruct iPay with respect to the transmission of your funds.

6. Opening Your Account

In order to use iPay merchant and payment services you must first open an iPay account by registering your details on our servers. As part of the signup process you will need to accept these Terms and Conditions and our Privacy Policy. If you order additional services, you may be asked to accept additional terms and conditions. You should print out and keep a copy of these terms and condition for future reference. You will receive a merchant key upon opening your account which you are mandated to keep secure. 

You must be 18 years or older to use our services and by opening iPay account you declare that you are 18 years or older. This does not apply to products for which we set different age limit. We may require at any time that you provide evidence of your age. 

You may only open one iPay merchant account unless we explicitly approve the opening of additional accounts. 

All information you provide during the signup process or any time thereafter must be accurate and truthful. You may only add payment instruments (such as bank accounts, mobile money numbers) to your iPay Account if you are the named holder of that payment instrument. We take any violation of this requirement very seriously and will treat any attempt to add a payment instrument of which you are not the named holder as a fraudulent act.

7. Maintaining Your Account

You must ensure that the information recorded on your iPay Account is always accurate and up to date and we shall not be liable for any loss arising out of your failure to do so. We may ask you at any time to confirm the accuracy of your information or to provide documents or other evidence. 

We may contact you by e‐mail or by phone with information or notices regarding your iPay Account. It is your responsibility to regularly check the proper functioning of your e‐mail account or other methods of communication that you have registered with your Account and to retrieve and read messages relating to your Account promptly. We shall not be liable for any loss arising out of your failure to do so.

Payments received and transaction details are displayed in your back‐office tool together with the fees charged if any. Each transaction is given a unique transaction ID and shown in the transaction history. You should quote the transaction ID when communicating with us about a particular transaction. You should check your transaction history regularly. You should report any irregularities or clarify any questions you have as soon as possible by contacting Customer Service.

8. Term

The Agreement is effective upon the date you agree to it (by electronically indicating acceptance) and continues so long as you use the Service or until terminated by you or iPay.

9. Closing Your Account

We can terminate this agreement at any time (especially if you do something bad).You may also close your iPay account at any time by contacting customer service. Termination is effective immediately and does not alter your liability for processed payments or related chargebacks. 

Closing your Account does not extinguish the personal data we hold on you and we will continue to store such data, including transaction history, for a minimum period of five years as required by law.

10. Receiving your Funds

If you receive funds into your iPay Account, we will send you a notification e‐mail and display the payment as a Receive Money Transaction in your transactions history. You should regularly reconcile incoming payments with your own records. 

We pay you for your transaction (minus our fees). Payouts are typically sent to your designated settlement account within 7days or as agreed at the time of signing up for the service. 

The receipt of payments is subject to fees and currency conversion, depending on the type of payment you receive. You are responsible for refunds, returns, and liable for customer disputes (chargebacks). 

iPay submits the settlement request for the merchant’s payments to the Remittance institution and Account specified on the Merchant’s Account Details . The settlement of funds between the issuing bank (iPay Bankers) and the Merchant Remittance institution occurs. 

Following the settlement, the Merchant Remittance institution credits the merchant's account. Information about when funds will be deposited depends on the Merchant Remittance institution.

11. Fees

You agree to pay the Fees (“Fees”) assessed by us to you for providing the payment services described in this Agreement. These fees will be calculated pursuant to our Fee Schedule linked to here and incorporated into this Agreement by reference. We reserve the right to revise our Fees at any time, subject to a thirty (30) day notice period to you.You acknowledge that you are also responsible for any penalties or fines imposed on iPay or directly to you by any issuer or financial institution as a result of your activities.

12. Refunds and Returns

For any failed transactions or customers who require refunds these transactions fall outside of the remit of iPay, the customer shall be directed to report such requests directly to you the merchant. 

By accepting these terms of service, you agree to submit any and all refunds and adjustments for returns of your products and services through the iPay Service to the customer in accordance with the terms of this Agreement. We require that you will (i) maintain a fair delivery and return, cancellation or adjustment policy; (ii) disclose your delivery, return or cancellation policy to customers at the time of purchase. 

Full refunds must be for the exact amount of the original transaction including tax, handling charges, and other. The refund amount may not exceed the original sale amount except by an amount equal to any reimbursements to customer for postage costs incurred for product returns. You will use best efforts to process all refunds within sixty (60) days after the original transaction date, and you acknowledge that refunds processed after that time may not be capable of being processed. 

For processed refunds, iPay will deduct the refund amount (including any applicable Fees) from (i) settlement funds owed to you from processing of other transactions. If these funds are not sufficient, you agree to pay all funds owed to iPay upon demand. You are solely responsible for accepting and processing returns of your products and services; iPay has no responsibility or obligation for processing such returns.

13. Chargebacks

A Chargeback is typically caused when a customer disputes a charge that appears on their bill. A Chargeback may result in the reversal of a transaction, with the amount charged back to you. You can be assessed Chargebacks for: (i) customer disputes, or (ii) unauthorized or improperly authorized transactions, or (iii) transactions that do not comply with the terms of this Agreement or are allegedly unlawful or suspicious, or (iv) any reversals for any reason by the Card Network, our processor or acquiring bank, or the cardholder bank. 

When a Chargeback is issued, you are immediately liable to iPay for the full amount of payment of the Chargeback plus any associated Fees, fines, expenses or penalties (including those assessed by the Card Networks or our payment processors). You agree that iPay may recover these amounts by setting off any amounts owed to you by us. If we are unable to recover funds related to a Chargeback for which you are liable, you will pay us the full amount of the Chargeback immediately upon demand. You agree to pay all costs and expenses, including without limitation attorneys’ fees and other legal expenses, incurred by or on behalf of us in connection with the collection of any unpaid Chargebacks unpaid by you.

14. Your Data

The processing of your data is governed by our Privacy Policy which also can be found on our website. By accepting these Terms and conditions, you also agree to the terms of our Privacy Policy. You should print and keep a copy of the Privacy Policy together with these Terms and conditions.

15. Taxes

It is your responsibility to determine what, if any, taxes apply to the sale of your products and services and/or the payments you receive in connection with your use of the Service ("Taxes"). It is solely your responsibility to assess, collect, report, or remit the correct tax to the proper tax authority. We are not obligated to, nor will we determine whether Taxes apply, or calculate, collect, report, or remit any Taxes to any tax authority arising from any transaction.

16. Prohibited Transactions

It is strictly forbidden to use your iPay Account for any illegal purposes including but not limited to fraud and money laundering. iPay will report any suspicious activity to the relevant law enforcement agency. You are prohibited from using your iPay Account in an attempt to abuse, exploit or circumvent the usage restrictions imposed by a merchant on the services it provides. 

It is yours and not iPays’ responsibility to ensure that you only receive payments from persons or entities for the sale or supply of goods and services that you may provide or receive in compliance with any applicable laws and regulations. The mere fact that a person or entity accepts payments through iPay is not an indication of the legality of the supply or provision of their goods and services.

Read Our Privacy Policy

What does this Privacy Policy apply to?

This Policy applies to the iPay website, including all subpages and successor pages (collectively referred to as the “Website”), and also applies to all software and services that we offer, including the iPay Gateway may be made available on a third-party website, or other services that we offer through our Website when you register for an iPay account (collectively referred to as the "Services"). 

This Policy does not apply to any website, product or service of any third-party company even if the website links to (or is linked from) our Website. iPay does not operate or control those websites, products or services. Please always review the privacy practices of a company before deciding whether to provide any information. 

By using our Website or Services, you are accepting the practices described in this Policy. If you do not agree with this Policy, delete all cookies from your browser cache after visiting our Website and do not visit or use our Website or Services. Your continued use of our Website or Services signifies your acceptance of this Policy.

2. Information collection and use

Broadly speaking, we collect information in two ways: (1) when you provide it directly to us, (2) when we obtain verification information about you or your company through trusted third parties (e.g. banks, credit bureaus). The types of information that we collect and our use of that information will depend on whether you are a Website Visitor, Test User, Checkout User, or Live User, as described below. 

Personal Information
The term "Personal Information", as used in this Policy, refers to any information that can be used to identify a specific person, or any anonymous information (e.g., IP Address) that is linked to a specific person. Personal information does not include information that has been aggregated or made anonymous such that it can no longer be reasonably associated with a specific person. 

Website Visitors
To simply browse our Website, you are not required to provide any Personal Information. However, we may gather non-personally-identifiable information, just for the purposes of monitoring and improving our Website and Services. We will not share this information with third parties except as a necessary part of providing our Website and Services, nor will we use it to target any advertisements to you. 

Checkout Users
When you use iPay Checkout on a merchant's website to store your payment credentials, we will gather and store your payment card information, your email address, your mobile phone number, and billing and shipping address. We will use this information to complete purchases that you choose to make on other websites or applications that also use IPay Checkout, but only with your permission. We may also share your contact information, but not your card information, with merchants as part of your purchases. We will not share this information with other third parties except as a necessary part of providing our Website and Services. You should carefully review merchants' privacy policies to better understand how each uses your information. 

Test Users
When you visit iPay, you have the ability to conduct a limited number of “test” transactions and experience the Services working – without registering for a iPay account. To monitor these test transactions, we collect your IP address, information about your computer, and other standard web log information. We also collect your Personal Information and any credit card information you provide to conduct the test transactions. We will not use this information to target any advertisements to you. 

Live Users
To gain full access to our Website and Services, you must register for an iPay account. When you register for an account, we collect Personal Information when you voluntarily provide it to us, such as the following:

  1. Your name, company name, location, email address, and phone number, and account password, to set up your account
  2. Your business and other government-issued identification or identification numbers, as well as your date of birth, to verify your identity for underwriting purposes.
  3. Your bank account information, to settle funds for your transactions
  4. Your IP addresses, devices, and locations used to access iPay, which will be linked to your account for fraud detection/prevention purposes

Sharing and disclosure of information

iPay does not sell or rent your Personal Information to marketers or third parties. 

We may share your Personal Information with trusted third parties who are integral to the operation of our Website and Services, including but not limited to financial institutions, payment processors, verification services and credit bureaus, as well as any third parties that you have directly authorized to receive your Personal Information. We may store your Personal Information in locations outside the direct control of IPay, for instance, on servers or databases co-located with hosting providers. 

If you authorize an application to access your iPay account, you acknowledge that we may share payment transaction data and related information with the third party that provides the authorized application. The use of your information by such third party will be subject to their applicable privacy policy, which you should carefully review. 

We may disclose your Personal Information to law enforcement, government officials, or other third parties if: (i) we are compelled to do so by court order or other legal process, (ii) we must do so to comply with laws, statutes, rules or regulations, including credit card rules, (iii) we believe in good faith that the disclosure is necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of our Terms of Service. 

We will only disclose your Personal Information in response to such a request if we believe in good faith that doing so is necessary to comply with applicable law or a legal obligation to which we are bound. If we receive such a request, we will use reasonable efforts to give you prompt notice, so that you may contest it if you choose. We won’t provide you such notice if we determine in good faith that either (a) we are not permitted to provide it under applicable law, or (b) that doing so would result in an imminent risk of death, serious physical injury or significant property loss or damage to iPay or a third party. 

In addition, in the event of a merger, acquisition, reorganization, bankruptcy, or other similar events, any information in our possession may be transferred to our successor or assign.

4. Choice and data retention

We are required to collect certain Personal Information to confirm your identity and comply with our obligations. If you elect to not provide Personal Information in optional fields it may limit your ability to use our Services. You can update your account information by signing on to our Website with your iPay account. 

We may occasionally email you with information about offers or new services. You can opt out of these email communications by replying with unsubscribe in the subject line, or via an unsubscribe link included in such communications. However, you will continue to receive certain email communications related to your account including information regarding transactions and your relationship with iPay. 

iPay has a variety of obligations to retain the data that you provide us, both to ensure that transactions can be appropriately processed, settled, refunded or chargeback, to identify fraud, and also to comply with laws applicable to us and to our banking providers and credit card processors. Accordingly, even if you close your iPay account we will retain certain information as necessary to meet our obligations.

5. Protection of information

Although no data transmission can be guaranteed to be 100% secure, we take reasonable steps to protect all Personal Information. iPay maintains strict administrative, technical, and physical procedures to protect information stored in our servers. Access to information is limited (through user/password credentials and software systems) to those employees who require it to perform their job functions. We use industry-standard Secure Socket Layer (SSL) encryption technology to safeguard the account registration process and sign-up information. Other security safeguards include but are not limited to data encryption, firewalls, and physical access controls to building and files.

6. Changes and notifications

We reserve the right, in our sole and absolute discretion, to make changes to this Policy from time to time. Please review this Policy periodically to check for updates. If any changes are material and/or retroactive, we may provide additional notice and/or an opportunity to "opt-in," as appropriate under the circumstances. 

iPay will provide you with disclosures and alerts regarding this Policy by posting them on our Website, by emailing the email address listed in your iPay account, and/or by mailing to the physical address listed in your iPay Account. You agree that electronic disclosures and notices have the same meaning and effect as if we had provided you with a paper copy. Such disclosures and notices in relation to this Policy shall be considered to be received by you within 24 hours of the time it is posted to our Website or emailed to you (unless we receive notice that the email was not delivered).

8. Contact us

If you have any questions or suggestions about this Privacy Policy or any of our privacy-related practices, please email us at info@dareworks.com