Your Funds…Under Your Control

In today’s competitive marketplace – why would you want to wait for settlement?

IQ Payments’s unique ‘Software as a Service’ solution will let you use your own bank accounts to receive funds ‘in country’ around the world:

  • You choose the countries
  • Funds delivered directly to your bank account
  • Fully hosted and maintained
  • Low start up costs
  • Low rates
  • Low risk.

Bank Emulation is a well established and highly accepted method of safely facilitating the Consumer’s use of their own bank account to complete an online purchase.

  • Is it safe?
    Yes! The connection to the Customer’s bank is completed via the secure IQ Payment Gateway. No financial details are stored or passed to the Merchant.
  • Is it legal?
    Yes! The Customer authorizes the action as part of the transaction flow, allowing IQ Payment to facilitate the account login & transaction on behalf of the Customer, as a Third Party Agent.


To The Merchant:

  • Increase the merchant’s customer base:
  • customers are not pulled from other payment options.
  • merchants typically see an increase in new customers between 10% to 40%
  • No Chargebacks
  • Reduces fraud risks
  • Greatly expands the pool of potential customers
  • Allows Merchant to expand to new markets without expanding risk

To The Customer:

  • Convenient – Customer only needs their bank login details to complete the transaction
  • More ‘socially’ acceptable in many regions than credit cards
  • Financial/login details are never stored or exposed to the merchant
  • Use on any internet-connected device
  • No need to open a new wallet account
  • Secure payment process
  • Funds are cleared in real-time and the customer don’t wait days for confirmations

Where We Are

The IQ Payments SaaS platform is currently available in these countries with the mentioned customer banks integrated.

Additional countries/banks can be added easily at minimal cost for a completely custom platform, perfectly tailored to your business needs.

Merchants can provide their own settlement bank accounts (local to the country) – we will provide the technology

Australia :  Westpac Bank, NAB Bank, ANZ Bank, CBA Bank

China: TBA

Japan: SMBC Bank, Mizuho Bank, Shinsei Bank, MUFG Bank

Malaysia: MAY Bank, CIMB Bank, Hong Leong Bank, Public Bank, RHB Banking Group

New Zealand: TBA


Vietnam: Vietcombank, Sacombank, Techcombank, Asia Commercial Bank, Vietin Bank

Indonesia: Bank Central Asia, Mandiri Bank, Bank Negara Indonesia, Bank Rakyat Indonesia, Bank Danamon, BTN, Permata, CIMB Bank

Turkey: AK Bank, Vakif Bank, Garanti Bank, Turkiye Finans, Turkiye Bankasi, AL Baraka, QNB Finansbank

Thailand: Siam Commercial Bank, Kasikorn Bank, Bangkok Bank, Krung Thai Bank, Krungsi, UOB

India (integrated Banks): Axis Bank, SBI, Kotak

India (Mobile Wallets): Airtel Money, PayTM, Jim Money, Oxigen