FREEDOM [free-duh] exemption from external control, interference, regulation and restraint. Ipagos™ is a facilitator of payments between buyers & sellers and payers & payees utilizing your cell phone- the most ubiquitous tool available worldwide. Just like cash, you simply push money to merchants… except it’s done using your cell phone electronically, securely and efficiently in real-time. You can even push money to your family and friends. Unlike credit & debit cards, Ipagos does NOT insert itself in the middle of the buyer and the seller, it simply facilitates the movement of payments. Unlike credit & debit cards, Ipagos does NOT take a percentage of the transaction from merchants, a cost that is incorporated into the sale price and ultimately paid by consumers. And unlike credit & debit cards, Ipagos does NOT dictate the terms of the exchange to merchants or consumers. Ipgaos = Freedom