IAAI is a technology provider offering a modular payment and risk operating system (Gateway OS), tools for launching independent licensed gateways (Gateway Launchpad), and bespoke fintech solutions. We supply the infrastructure, integrations, fraud prevention, and compliance support — but we do not hold, settle, or manage merchant funds directly.

High-risk merchants, fintech startups, payment facilitators, and established businesses seeking scalable, compliant global payment processing with advanced risk management. Ideal for those in regulated or chargeback-prone industries needing reliable alternatives to traditional providers.

IAAI is not a traditional payment processor. We provide modular gateway technology, risk infrastructure, and regulatory frameworks without holding funds. Our revenue-aligned model, multi-acquirer routing, and focus on long-term independence make us a strategic partner — not just a service provider.

Yes. We work with early-stage and growing companies, provided there is a clear business model and compliance alignment. Our modular approach allows you to start lean and scale as volume and complexity grow.

Application review typically occurs within 24 hours. Full onboarding and go-live timelines vary from 3–14 days depending on integration complexity, compliance requirements, and chosen structure (e.g., simple Gateway OS vs. full Gateway Launchpad with entity formation).

Our platform offers seamless connections to popular e-commerce platforms including Shopify, WooCommerce, Magento, BigCommerce, WordPress plugins, and more. We also support APIs (RESTful, Stripe-compatible, PayPal alternatives), accounting tools (QuickBooks), CRMs (Salesforce), no-code workflows (Zapier), and custom SDKs.

Yes. The Gateway OS includes robust recurring payment tools, customizable billing cycles, dunning management, and fraud monitoring tailored for subscription-based models.

No. IAAI operates on a strict technology-only model with no fund holding. Payments route directly through partnered acquirers, ensuring you maintain full control while benefiting from our risk and optimization tools.

Yes. Our infrastructure is fully PCI DSS Level 1 compliant, with encrypted data handling, tokenization, and regular audits to protect cardholder information.

We use predictive AI engines, real-time risk scoring, machine learning pattern detection, automated chargeback alerts, customizable decision rules, and approval rate optimization via intelligent acquirer routing. Clients also receive free downloadable resources for best practices.

Yes — we specialize in merchant recovery. Our team assists with seamless transitions, data migration, alternative setups, and rebuilding approval rates using our multi-acquirer infrastructure.

Not always. For basic Gateway OS usage, no license is required. However, if launching an independent gateway, we provide full support for obtaining necessary licenses (e.g., MSB in Canada/FINTRAC, PI/EMI guidance in EU) via our Gateway Launchpad.

IAAI provides the technology, tools, and guidance frameworks. Regulatory responsibility ultimately remains with the merchant or licensed entity, depending on the structure. We assist in building compliant operations but do not act as the regulated entity unless explicitly agreed.

We support processing in 180+ countries and 150+ currencies, with entity formation and licensing assistance in Cyprus, Canada, and selected offshore jurisdictions.

Purely commission-based and revenue-aligned (typically 1–3% depending on risk profile and volume). No setup fees, no monthly minimums, no long-term contracts, and scalable volume discounts (e.g., reduced rates above $100K monthly processing).

There is no strict minimum volume. Each application is reviewed individually based on industry, structure, and risk profile rather than volume alone.

No hidden fees. Rolling reserves may apply in some high-risk cases as required by acquirers, but we work to minimize them and provide full transparency upfront.

No long-term commitments.

A broad range of high-risk and specialized sectors — see our dedicated Industries page for the full list, including adult entertainment, CBD/cannabis, nutraceuticals, gambling, forex/crypto, travel, subscriptions, and many others.

Major cards (Visa, MasterCard, Amex, etc.), ACH/e-check transfers with verification, alternative payment methods where available, and multi-currency settlements to reduce FX costs.

Initial review and compliance check (within 24 hours), custom proposal with tailored pricing and structure, integration setup and testing, and go-live with ongoing 24/7 technical support. You can apply instantly via our online "Get Started" form — no paperwork required upfront.

24/7 technical operations monitoring, dedicated account management, free fraud/compliance resources, and personalized integration assistance. Our revenue-aligned model ensures we're invested in your long-term success.