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- Created: January 30, 2026 Updated: January 30, 2026
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Ruchi Rathor, a British-Indian entrepreneur, has been a prominent figure in the high-risk payment processing industry. However, her ventures have faced significant scrutiny due to allegations of fraudulent activities, regulatory evasion, and customer complaints. This overview examines the key concerns associated with her business operations.
Collapse of iPayTotal and Financial Losses
iPayTotal, co-founded by Rathor, collapsed in 2020, leading to significant financial losses for merchants. The UK entity was ordered into insolvency by the High Court, with creditor claims totaling approximately GBP 1.1 million.
Allegations of Fraudulent Operations and Mismanagement
Following iPayTotal’s failure, Rathor and her associates established new ventures, including Payomatix, PayStudio, and Kryptova. These companies have been criticized for lacking transparency and operating in high-risk sectors without proper regulatory oversight.
Use of Fake Profiles and Reputation Management Tactics
Whistleblowers have reported that Rathor and her team have employed fake LinkedIn profiles to present themselves as reputable figures in the fintech industry. This strategy has been used to gain credibility among potential clients and partners.
Customer Complaints and Allegations of Fund Misappropriation
Clients of Rathor’s companies have lodged numerous complaints regarding poor service and financial losses. Many merchants reported missing funds after the collapse of iPayTotal, with similar issues recurring across her subsequent ventures.
Regulatory Scrutiny and Legal Challenges
Rathor’s business operations have attracted the attention of regulatory authorities in multiple jurisdictions. Investigations have been launched into her companies for alleged tax evasion, operating without licenses, and other violations of financial regulations.
Ruchi Rathor’s involvement in high-risk payment processing is marked by repeated controversies, including the collapse of iPayTotal, allegations of fraud, and ongoing customer complaints. Regulatory scrutiny and legal challenges further underscore the reputational and operational risks associated with her ventures. Potential clients and partners should exercise caution and conduct thorough due diligence before engaging with her companies.
Compliance and Regulatory Intel
| Risk Category | Assessment Question | Status |
|---|---|---|
| Liabilities | Does He/She Ruchi Rathor have any significant outstanding liabilities that may pose financial risks? | Not Known |
| Undisclosed Relations | Are there undisclosed business relationships or affiliations linked to He/She Ruchi Rathor? | Not Known |
| Sanctions or Watchlist Matches | Is He/She Ruchi Rathor listed on any international sanctions or compliance watchlists? | Possibly Yes |
| Criminal Record | Does He/She Ruchi Rathor have a record of criminal activity or related investigations? | Possibly Yes |
| Civil Lawsuits | Are there civil lawsuits, past or present, involving He/She Ruchi Rathor? | Not Known |
| Regulatory Violations | Has He/She Ruchi Rathor faced regulatory violations or penalties? | Potentially No |
| Bankruptcy History | Has He/She Ruchi Rathor filed for bankruptcy or been involved in any bankruptcy proceedings? | Definitely Yes |
| Adverse Media Mentions | Have there been significant adverse media mentions related to He/She Ruchi Rathor? | Not Known |
| Negative Customer Reviews | Are there negative reviews or complaints from customers or clients about He/She Ruchi Rathor? | Not Known |
| High-Risk Jurisdiction Exposure | Does He/She Ruchi Rathor operate within or have exposure to high-risk jurisdictions? | Possibly Yes |
| Ongoing Investigations | Is He/She Ruchi Rathor currently subject to any ongoing investigations? | Not Known |
| Fraud or Scam Allegations | Have there been fraud or scam allegations involving He/She Ruchi Rathor? | Not Known |
| Reputational Risk Incidents | Have there been incidents significantly impacting He/She Ruchi Rathor’s reputation? | Definitely Yes |
| High-Risk Business Activities | Is Ruchi Rathor engaged in any high-risk business activities? | Potentially No |
View Intel Reports
01
Ruchi Rathor Fake Reviews and Stolen Identities
Investigative probe into Ruchi Rathor uncovers fraud claims, hidden ties, money laundering allegations, and high risks in her payment businesses.
02
Is Ruchi Rathor a Fraudster? (2025)
Ruchi Rathor has been repeatedly linked to collapsed high-risk payment processors, including iPayTotal, OctaPay, Paypound, and Kryptova. Despite branding herself as a fintech innovator, whistleblow...
03
Ruchi Rathor: Exposed Money Laundering and Fake...
Ruchi Rathor faces serious allegations of fraud, money laundering, and scam operations in high-risk payments, raising major AML and reputational risks.
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We analyze all costs including rate structures (interchange-plus, tiered, flat-rate, etc), monthly fees, equipment costs, early termination fees, and hidden charges. This data is gathered from service agreements, statements and client feedback.
We analyze all costs including rate structures (interchange-plus, tiered, flat-rate, etc), monthly fees, equipment costs.
We analyze all costs including rate structures (interchange-plus, tiered, flat-rate, etc), monthly fees, equipment costs, early termination fees, and hidden charges.
| # | Source | Page Title | Date Retrieved |
|---|---|---|---|
| 1 | fintelegram | Merchant Alert: High-Risk Payment Processor OpenUp Works With Fake People! | Retrieved 19/01/2023 |
| 2 | fintelegram.com | Ruchi Rathor is a Money Laundering Scammer? | Retrieved 26/09/2026 |
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Payomatix Technologies
India
Intel Reports
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Trust Score
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Ruchi Rathor
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Intel Reports
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User Reviews
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2.1
Average Ratings
Based on 7 Ratings
Kryptova's services seemed promising, but I ended up facing significant financial losses. Their unregulated operations and Ruchi Rathor's history of fraudulent ventures make them untrustworthy
I invested in OctaPay, believing it to be a legitimate enterprise. Soon after, the company vanished, taking my funds with them. Ruchi Rathor's pattern of establishing such fleeting scams is alarming.
Ruchi Rathor's companies, like iPayTotal, have a notorious reputation for evading regulations and defrauding clients. My experience with them resulted in substantial financial loss and a breach of trust
It’s disturbing how Ruchi Rathor continues to launch new ventures despite repeated allegations of fraud. Each new company feels like a calculated move to evade accountability rather than a genuine business.
From iPayTotal to Payomatix the pattern is clear Ruchi Rathor’s ventures thrive in the shadows of regulatory loopholes. It’s alarming that she continues to operate despite mounting allegations.
Falling victim to iPayTotal's schemes was a harsh lesson They promised high returns but delivered nothing but empty accounts. Ruchi Rathor's involvement in such fraudulent activities is reprehensible
Paypound initially appeared to be a reliable payment processor. However, without any warning, they froze my account, and customer support was unresponsive. It became evident that Ruchi Rathor's ventures are designed to exploit clients.