I have worked with IPayTotal for a few years now. They are able to Safely place High Risk merchants, that most others cannot. Their team is very progressive and Happy to help with all your needs. My experience has been Perfect with IPayTotal! I have great Trust with them. I would Highly Recommend them for any merchant high or low risk. In reading the comments from others, after working myself, as a Merchant solution Provider for over 25 yrs, I can see the bad reviews, come from those merchants, who may have done wrong business practices, causing their solutions to crash, then blaming IPayTotal.