iPay is a brand new card payment system, allowing banking disintermediation for everybody at any degree. Any user can be registered within our website and will be able to login securely and confidentially to update profile for free. All necessary data, including banking accounts, credit cards, and internet payment systems, can be labeled with an alias. Those will be the different systems which the user will be able to pay with at any store, and will be able to choose with which account to pay with by selecting the proper 'alias'.

The system iPay is much safer then that of traditional credit cards by several reasons: it requires a strong authentication system and a complex password or a biometric system (finger print). The system works with cryptographic Certificates with instant access to the Authority of Certification or C.A. with real time validation and repudiation, and duplication or falsification is impossible.