i-ePay.com Company Profile
Original report created on April 06, 2004
The above information was obtained using a WHOIS query. Since no contact information was listed on the website (i-epay.com), this was the only source available.
i-ePay Investigative Report
I was introduced to this company by searching the forums on paypalsucks.com. The website was listed under the alternative companies forum. There was a post about i-epay.com not allowing the use of free e-mail services (e.g. Hotmail, Yahoo!, etc) when signing up, yet the WHOIS information for i-epay.com showed a Yahoo! e-mail address. That seemed a bit odd to me. A double standard?
The next post was about i-epay possibly being nothing more than a script that was bought and installed on a website. The post made mention of SolarPay (keep this company name in mind). By now I was quite curious about this company (i-epay.com). I proceeded to do my normal routine when investigating shady (when data does not add up) operations.
First, I searched the website for any contact information. There was no contact information to be found. The only method of contact was a contact form you could fill out and submit a message. This is a first sign of something shady. Any reputable business should have at least an e-mail address listed (i.e. firstname.lastname@example.org). Another sign of a caution flag is a business which uses a free e-mail system (e.g. Hotmail, Yahoo!, etc).
Since no contact information could be found, I went to my second source of information (primary source being the website itself). My second source was a WHOIS query. Every domain name has an owner. You can look up the information that the owner posted when they registered the domain name. This lookup is called a WHOIS query. According to the WHOIS, the following information was obtained:
Muktasid adib (email@example.com)
Now that I had some information to work with, I began to reverse trace the information. I always like to start with the phone numbers first. I used my usual websites (whitepages.com and switchboard.com). The reverse phone trace provided no results. I then used my second resource for phone numbers, FoneFinder (http://www.primeris.com/fonefind). FoneFinder is an online tool in which you can input the area code and get what city/state areas those combinations belong to or you can input the city/state and get a listing of the area codes/prefixes that belong to that city/state.
The information I got for the 703/665 combination was Reston, Virginia. Since the cities were not the same, I use http:maps.yahoo.com (I use the "Driving Directions" feature) to determine the approximate distance between the two cities. There should not be a large distance between the two cities. I would imagine that the address and phone number listed should be either the same or very close (geographically speaking). There is a distance of approximately 26.7 miles between the two cities. The distance of 26.7 miles is a bit of a gap. This is considering that local calling circle plans would normally kick in (i.e. 26.7 miles would most likely be a long distance or toll call). This was another caution flag.
I could not reverse trace the fax number because there was no prefix. According to FoneFinder, there are approximately 114 locations in the United States that use the 555 prefix. Of the 114 locations, none of them are in Virginia.
My next trace comes from the physical address listed on the WHOIS. I used whitepages.com to reverse trace 6234 Rixey Dr., Alexandria, VA 22303. No results came up. I also searched using the city of Reston, VA and the entire state of Virginia. When no results came up, I researched the address with the cities but removed the Dr. from the address, leaving just a street name. This also produced no results.
To ensure that the address was valid, I used the reverse zip code lookup at the U.S. Post Office's website (click on "Find A Zip Code"). The zip code of 22303 is valid for Alexandria, VA and Jefferson Mannor, VA. Some may wonder why I do this, but I have found it not uncommon for shady websites to actually use a zip code that does not even correspond to the city listed in their address (sometimes not even the correct state). In investigating such matters, it is imperative that every piece of data be cross referenced and analyzed to have accurate results.
Since I was unsuccessful in my reverse trace of the address, I decided to use whitepages.com and switchboard.com to find out how many people with the last name of "adib" resided in Alexandria, VA, Jefferson Mannor, VA, Reston, VA as well as a state-wide search. Using whitepages.com, there were two results for the search of last name "adib" in the state of Virginia. I then attempted a search via switchboard.com. There were 9 listings of people with the last name of adib. None of them traced to the previously mentioned Virginia cities. None of them were in/near the cities that I traced. I finally tried searching for the name of Muktasid adib in the entire United States. No results.
Now that I have found that most of the information listed for the domain i-epay.com does not validate very much, I moved on to the e-mail address. The e-mail address of firstname.lastname@example.org was a free e-mail account. On i-epay.com it stated that signing up with free e-mail accounts was not allowed. I found this odd since the owner of the "business" was using a free e-mail account themselves.
I checked the e-mail address listed for the WHOIS. The e-mail address of email@example.com had a profile on Yahoo! Please notice the word "had" The profile stated the user was of age 14. All of a sudden, after I posted this information to the paypalsucks.com forum, the profile disappeared.
My next order of business was a search on the Internet. I searched using Yahoo!, Excite, Google, and Altavista (worldwide). I obtained the following results:
There were a couple links which also showed up, but had nothing to do with i-epay.com. One link was a link to a business dealing with wood. I searched the HTML of the page and the term "i-epay.com" was not listed anywhere, not even in the meta tags. You will see a few posts by KewlKat007 (that is me) and one by <>. That is another one by me (I did not feel like logging in for the post.
I will now discuss some issue about the website (mainly it's structure or lack of). Some of the issues were fixed, some were not. In the middle of the posts on paypalsucks.com, a user posted that they had just purchased i-ebay.com. I will speak of the new user and such during my discussion about the website itself. Some information I started off on from the paypalsucks.com forum.
Original issues with the website were:
After reading this information, I find it hard to put faith in such an organization. How can the Internet Trade Bureau moderate other businesses and deal with their "complaints", when it seems as if they cannot even deal with their own customer service issue.The business of i-epay.com is the transference of money over the Internet. The site was listed on the paypalsucks.com forum under "Alternative Companies." I find this ironic since the company uses PayPal, Stormpay, E-Gold, & 2checkout.com for money transfers. Are not all of the previously mentioned companies the same thing? That would be like me opening up a business and stating that I will ship packages for you. But, in reality, I accept your package, charge you the shipping and simply hand it over to UPS or the U.S. Postal Service, but claim that I actually have a business that delivers your packages. Please do not get what I just said confused with businesses such as MailBoxes, etc. They are a business similar, but they don't actually ship the packages (i.e. there are no Mail Boxes, etc trucks delivering your packages to the recipients). They resell U.S. Postal services, pack items for you and such. Furthermore, they let you know that they do this.
The company (i-epay.com) is nothing more than a resold script. You can actually run your own i-epay.com type company. Visit this site to read about the selling of the script for i-epay.com. If you will notice, the user that posted the message (matrix-warehouse) is also the person that used to own i-epay.com. Look at his profile. You will notice his signature is get-webhost.com. By doing a WHOIS query on get-webhost.com, you will notice that is the same information as the previous owner of i-epay.com. They most probably bought the script from SolarPay. The script costs $295.00. Solarpay.com is no better than i-epay. They seem to have the same issues. As soon as I went to solarpay.com, two browser popups opened. One being to an adult website. Then the site tried to start a download to my computer of an mp3 file (5.13MB) in length.
Look at the WHOIS on SolarPay.com:
There is an image on the site stating to go to www.fdic.i-epay.com to read more about FDIC pass-through insurance. I went there and got a "Page Not Found" error. I have researched pass-through insurance. Basically, all pass-through insurance does is that in the case the bank i-epay.com has your money stored fails, you can get your money back (up to $100,000). This is ONLY if the bank that i-epay.com has your money stored fails AND is FDIC insured. This does NOT mean that if i-epay.com would go bankrupt that you could get your money back. If i-epay.com would go bankrupt or loose you're money, FDIC pass-through insurance would not cover it. The only way to get your money back would be via a lawsuit against the owner of i-epay.com. Also note that in order to qualify, i-epay has to keep accurate records. I find this would be hard since i-epay does not have any validation system (such as paypal.com has.. e.g. credit card/bank validation, address verification).
Since i-epay.com does not use a validation system, this business is not in compliance with the Patriot Act (HR 3162 RDS). Business that are financial institutions (including handling international money transfers) must comply with Title III (INTERNATIONAL MONEY LAUNDERING ABATEMENT AND ANTI-TERRORIST FINANCING ACT OF 2001) A (International Counter Money Laundering and Related Measures) Sec. 311 (Special measures for jurisdictions, financial institutions, or international transactions of primary money laundering concern). In completeness, Patriot Act, Title III (A) Sec. 311(b)(1). This specifies the compliance(s) that must be met. I-epay.com does none of these. You can view the Act here.
The only way to withdraw money is via money order. You are sent a money order. Please be advised that there is a $3.50 charge for withdrawing funds via money order. It would be more convenient to be able to withdraw via an electronic method.
After much of this was posted on the forum, it was claimed by someone that they were now the new owner of the business (i-epay.com). They stated that they planned to right all of the wrongs. To date, the only wrongs that were righted were:
I noticed that a user on the forum of paypalsucks.com (
"...as far as SSL goes, actual transactions do go over a SSL server - when you noted that it isn't, that is because it is because when profiles are updated data never leaves our own server."
This is an example of how security is not even a concern. The excuse used was completely ridiculous. For the excuse to be valid, your website would have to be 100% secure. Since his host is a reseller, his (owner if i-epay.com) account is probably a virtual (shared) account. His account is probably on a server with about 100 other websites. How does he know that the server he is on is 100% secure? His "website" may be secure (coding wise), but how does he know the integrity of the server? As for the coding, he bought a script. Has he actually looked at every piece of coding and validated it's security? What about the 99 other people's website that is on there? Is their website fully secure?
Finally, as I sent an e-mail to firstname.lastname@example.org to discuss all the wrongs of the site, I noticed the WHOIS information. The information read:
Is it me or does the WHOIS show the same name of the person whom claimed to not own the site. It was stated that he "bought" the business. As for his explanation of the anonymous nameservers, he says he has nothing to do with the nameservers his host (get-webhost.com) uses. This can be true to an extent. But, when I look at the facts (i.e. the owner of the web hosting company is the same as the previous owner of i-epay.com), it really makes me wonder.
Why would you purchase hosting from a company that has a shady record? In all, this person cannot say that they did not know about the shady record of i-epay.com. After all, they were the first ones (
Now that I look at the new WHOIS information, it is even more suspicious. There is no address whatsoever. I attempted a reverse trace on the phone numbers on the WHOIS. No luck.. I then used FoneFineder to find out what city/state this number belonged to. The combination of 301/576 trace to Montgomery, Maryland. According to maps.yahoo.com, there is a distance of 239.3 miles between New York, NY and Montgomery MD. I remember mentioning the 26.7 miles being an issue with the first owner, but this is completely ridiculous.
Too many things just don't add up with this website. If this person (jSalzinger) really and truly did buy the script from the original owner and is trying to run a legit business, then I wish them the best of luck. Unfortunately, after reviewing the evidence, I feel that jSalzinger might be in business with the original owner or J Salzinger might be the same person, just a fake name change.. When the original owner noticed bad publicity on paypalsucks.com, he transferred the domain ownership to jSalzinger. I base my conclusion on the fact that jSalzinger started advertising about i-epay.com before it was in his name. Unfortunately for jSalzinger, he left some strings untied. There is still the get-webhost.com being used. As previously mentioned, get-webhost.com is owned by the alleged previous owner of i-epay.com. In actuality, get-webhost.com is not a "full fledged, self supporting" business. The site of get-webhost.com is nothing more than a reseller of hosting space (see the pattern of "reselling"?).
i-ePay Investigative Report Updates
Update! April 07, 2004
Update! July 30, 2005
It has been a while since I checked up on this company or any other companies. I have found some new information to be posted, however, it only proves more that this company is a very shady business and that I personally recommend anyone to stay clear of them.
Firstly, I checked out their contact information. Currently, on the website is the following:
There is an address listed:
Internet Electronic Payment Systems, Inc.
I will start out by attempting to reverse trace the phone numbers. The support number of 206.650.4729. Reverse search via whitepages.com and switchboard.com gave no results. However, whitepages.com did state that the number belonged to the Seattle, Washington area to Sprint Spectrum, L.P., a wireless provider. Next is the corporate number of 206.984.0477. Once again, no reverse trace results. The number traces to Richmond Beach, Washington, belonging to International Telcom, Ltd, a wireless provider. Needless to say, both numbers belong to cell phones
I used maps.yahoo.com to find out the distance between Richmond Beach, WA and Seattle, WA. The distance between these two locations is approximately 14.2 miles.
I will now move on to the physical address listed on the website. I find it strange that they list the address of Las Vegas, NY and have a corporate and support number all the way in Washington.
The reverse address of:
6075 S. Eastern Ave., Suite 1
Traces to two businesses:
When doing reverse traces, it is not normally listed as "Suites." Therefore the businesses that the addressed were traced to may simply be in a building that rents out office spaces. I have also done a search to see if the address belongs to a mail drop. The address does not seem to belong to a mail drop.
In regards to the actual owner of the business, there is no information on the website itself. I checked with the online corporate database for the State of Nevada. The current status of Internet Electronic Payment Systems, Inc. is "dissolved." Dissolution comes about as a result of one of the following (definitions obtained from The Law Encyclopedia):
I have contacted the State of Nevada in regards to the reason for the dissolution (i.e. if it was voluntary, if dues were nor paid, or proper papers not filed). There are no officers listed. Normally there are people assigned to the corporation such as president, etc. The registered agent for the company is:
Incorp Services, Inc.
Incorp Services, Inc. seems to be a company which handles the creation, managing, and dissolution of a corporation. Many small businesses use such services because they do not have the expertise or just do not want to deal with the hassle of all the paperwork involved in the creation and upkeep of a corporation. A corporation can be as simple as a home-based or small business and the owner(s) want legal protection from getting sued. If you have your business as an incorporated business (Inc. or LLC), then they can only file suit against the business and not you personally.
The last post I had involved their "hosting." Currently, their nameservers are:
The domain of sago4.com belongs to a host with the following information:
Broyles, Robert email@example.com
Firstly, the assertivehost.com is a "hosting" company, however, they do not "own" their servers. The IPs of 184.108.40.206 and 220.127.116.11 trace to Sago Networks (www.sagonet.net). Therefore, I take it that whoever owns assertivehost.com is just reselling space from Sago Networks.
The last issue I would like to talk about is how the website works and it's "practices." Firstly, i-epay.com is supposed to be a legitimate business. I would expect a website to have a professional look, feel, and work in a professional manner. People PAY to use this system, however, upon reaching the website two popups come about. One one occasion, one of the popups was for some "Adult Friend Finder." The keywords listed in the meta tags are NOT professional at all:
Can someone please explain to me how such vulgar words relate to an online payment business? This is beyond pathetic!
I will be e-mailing i-epay.com in regards to these new issues. Their responses will be posted on this website. From the new information I have gathered, it seems that the company information is just as scattered around the United States as it was before. The only difference now is that there is some corporate information. Based on their corporate information, the company could have been dissolved for not filing the proper paperwork or for not paying their corporate fees.
Unless the personnel at i-epay.com (whomever they may be) can provide with some more concreate information about their company, then my judgment stands: Stay away from this company! Do NOT trust your banking information to this company. This decision is my personal opinion based upon my investigation of the company.