Follow The Money: The Luxury Lifestyle Of Executives Of Collapsed iPayTotal!

iPayTotal executive Sen Kugan with Porsche
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Indian payment veteran Ruchi Rathor‘s high-risk payment processor scheme iPayTotal collapsed in late 2020. Initially, iPayTotal Ltd was to be quietly dissolved and disappear. But then creditors came forward, and the court opened bankruptcy on the company. The Joint Liquidators report claims in the millions. Senthooran Kuganathan, a/k/a Sen Kugan, was one of the executives of the scheme and cashed a lot of money. He bought himself an expensive house and a Porsche!

Family Business

iPayTotal founders Ruchi Rathor and Anurag Pratap Singh
iPayTotal family:
Ruchi Rathor and Anurag Pratap Singh

The high-risk payment processor scheme iPayTotal was run as a family business by Ruchi Rathor and her husband, Anurag Singh Pratap Singh (picture left). During this time, Rathor is also said to have been in the United Kingdom. Former employees have told us that merchants at iPayTotal were systematically ripped off. Chargebacks are said to have been claimed that do not even exist.

Sen Kugan was one of the executives of the iPayTotal scheme and director of the now-dissolved iPaySolutions Ltd in the UK. He bought a house in Peterborough (without a mortgage) and a Porsche with money from the merchants (see picture above). Sen Kugan presented himself in bought articles as a successful iPayTotal manager (read the article in the magazine The Business Fame).

Sen Kugan is the leading light of iPayTotal and helms the duties of being the President at the firm. He holds a law degree from London and other prominent leadership qualifications.

Seen in The Business Fame (link)

Sushruta Sengupta, a/k/a Jason Smith (pictured right), another iPayTotal executive in the team of Ruchi Rathor and her family. While hiding behind the pseudonym “Jason Smith,” Sushruta Sengupta executed every operational and sales strategy for the notorious iPayTotal.

Since the collapse of iPayTotal, the Ruchi family has established several new high-risk payment processors. Some, like OctaPay, have already disappeared. Others, like Paypound or Kryptova, are apparently walking the path of iPayTotal and applied for the voluntary strike-off in the UK. There are also CryptoMatix, BitMatix, and PayStudio. Currently, Ruchi Rathor is particularly involved with Payomatix and her new project Pay Agency.

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If you have any information about Ruchi Rathor, iPayTotal, or other companies and individuals in the network, please share it with us through our whistleblower system, Whistle42.

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