iPay.ua

iPay.ua: A Practical Overview For Merchants

iPay.ua is a Ukraine-based payment service provider that offers internet acquiring for websites and apps, payment links, and POS terminals. If you are evaluating iPay.ua for card and wallet acceptance, this overview summarizes supported payment methods, core capabilities, integration options, security and compliance, pricing disclosures, and onboarding steps.

What Is iPay.ua

iPay.ua provides e-commerce acquiring for card payments and popular digital wallets, along with a hosted checkout page and tools for recurring billing, payment holds, split settlements, refunds, and basic reporting in a merchant account. It also offers trade acquiring with physical POS terminals for in-store acceptance. The service is positioned for online stores, internet providers, financial companies, and charitable foundations.

Accepted Payment Methods And Channels

iPay.ua supports multiple card and wallet options and allows payments to be initiated in several channels.

• Cards and wallets: Visa, Mastercard, and Prostir cards, plus Apple Pay, Google Pay, Masterpass, and Visa Checkout.

• Where customers can pay: on a website, in a mobile app, in social networks, in chatbots, by QR code, or via terminals.

• Hosted checkout: a prebuilt iPay.ua checkout page that can be integrated into a website or app to accept card and wallet payments.

• Payment links: merchants can generate payment pages by link without any site or app integration.

These capabilities are described on iPay.ua’s internet acquiring and product pages, as well as on the individual wallet pages.

Core Capabilities For Online Selling

iPay.ua documents several features that are relevant to subscription, marketplace, booking, and standard retail use cases:

• Recurring payments: automatic debits and subscriptions on a defined schedule.

• Split payments: redistribution of a single customer payment to multiple recipients, suitable for marketplaces and partner models, with individual commission settings and reporting per sub-merchant.

• Payment holding: preauthorization or security deposit flows, for example bookings where funds are blocked before service delivery and released or captured later.

• Full and partial refunds: support for managing returns, including partial refunds to specific partners when split payments are used.

• Merchant account: ability to track payment status, process returns, and download reports.

Each of these functions is described on the dedicated product pages and the online shop solution page.

POS Terminals For In-Person Payments

For brick-and-mortar acceptance, iPay.ua offers trade acquiring with POS terminals. The product page highlights card, smartphone, QR, and cash acceptance at the point of sale, with compact portable devices. This enables a single provider for both online and offline payments if your business needs unified acceptance.

Integration Options And Developer Resources

Merchants can connect iPay.ua in several ways, depending on their technical resources and desired checkout flow:

• Hosted checkout page: integrate the ready-made iPay.ua payment page to accept cards and wallets with low effort.

• Payment links: create payment pages by link inside the merchant account and share them in any sales channel.

• Wallet APIs:

  • Google Pay API via iPay.ua, with a documented endpoint, request format, sandbox support, and signing approach that uses SHA3-512 on request time and the sign key.

  • Apple Pay API via iPay.ua, with documented access parameters and signing method.

  • Masterpass integration documentation for wallet operations such as card enrollment and additional verification flows.

• Tokenization: the Tokly documentation describes creating tokens with 3-D Secure validation, which supports saved card use cases and recurring flows that require card-on-file handling.

The integration pages and API documentation are hosted by iPay.ua and outline request endpoints, formats, authentication, and sandbox guidance where available.

Security And Compliance

Security is a core element of iPay.ua’s service and is documented on its security and payment protection pages, along with an up-to-date PCI DSS certificate.

• PCI DSS: the current certificate shows iPay.ua (Universal Data Centre LLC) as a Service Provider Level 1 compliant with PCI DSS v4.0.1, with compliance dated 28 March 2025 and expiration 27 March 2026.

• 3-D Secure: iPay.ua states it uses Smart 3DS to determine when to trigger cardholder authentication, and references Mastercard SecureCode and Visa Secure protections.

• Transport security: communication uses SSL for encryption in transit.

• 3-D Secure in flows: the Google Pay API documentation also notes 3-D Secure behavior and sandbox usage; the tokenization docs describe separate 3-D Secure card validation for token creation.

These materials establish that iPay.ua operates as a Level 1 service provider and implements the expected cardholder authentication and transport security controls.

Pricing Disclosures

iPay.ua’s e-commerce website emphasizes tailored tariffs coordinated through sales rather than a full public price list. One official page for online stores states:

• Connection: free

• Subscription fee: none

• Fee for transferring funds to your account: 3 percent of the payment amount, which may be allocated between provider and client

Since most acquiring pages do not publish a complete schedule and note that managers will help select an optimal tariff, merchants should confirm current commercial terms directly with iPay.ua’s sales team. If your model uses split payments or special flows, ask about any additional fees for sub-merchant structures, refunds, or wallet methods.

Conclusion

iPay.ua offers a complete set of acquiring tools for the Ukrainian market, including card and wallet acceptance, a hosted checkout page, payment links, recurring billing, split payments for marketplaces, payment holds for bookings, refunds, and an option to add POS terminals. The provider documents PCI DSS Level 1 compliance, 3-D Secure measures, and SSL transport security. Pricing is largely tailored through sales, with one official page disclosing free connection, no subscription fee, and a 3 percent transfer fee for online stores.