Innovative Payment Solutions, Inc., together with its subsidiaries, provides digital payment solutions and services to businesses and consumers in the United States. It is involved in developing a new account-to-account payment application under the Instant Settlement in RealTime name, as well as traditional credit card processing services. The company was formerly known as QPAGOS and changed its name to Innovative Payment Solutions, Inc. in November 2019. Innovative Payment Solutions, Inc. is based in Carmel-By-The-Sea, California.