IPSI (Innovative Payment Solutions) Moat Score: 2/10 (As of Aug. 08, 2026)

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What is Innovative Payment Solutions Moat Score?

Innovative Payment Solutions IPSI Moat Score is 2 as of Aug. 08, 2026. The stock has 3 warning signs investors should review. Among 2,837 Software companies, Innovative Payment Solutions ranks better than 79.56% on this metric.

Innovative Payment Solutions has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

Innovative Payment Solutions has No Moat: Innovative Payment Solutions Inc has a very weak moat due to its limited market presence and lack of significant customer switching costs or proprietary technology. It operates in a highly competitive fintech space with minimal barriers to entry.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Innovative Payment Solutions might have No Moat - Very weak/transient advantages.

Innovative Payment Solutions  (OTCPK:IPSI) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Innovative Payment Solutions Moat Score Related Terms

IPSI vs VISM, SMKG, OVTZ: Moat Score Comparison

For the Software - Infrastructure subindustry, Innovative Payment Solutions's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Innovative Payment Solutions Moat Score vs Software Industry

For the Software industry and Technology sector, Innovative Payment Solutions's Moat Score distribution charts can be found below:

* The bar in red indicates where Innovative Payment Solutions's Moat Score falls into.


Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 2 mean?
Innovative Payment Solutions (IPSI) has a Moat Score of 2 as of Aug. 08, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Innovative Payment Solutions ranks #580 out of 2837 companies in the Software industry, placing it in the top 20.4%.
Is Innovative Payment Solutions' Moat Score too high?
Innovative Payment Solutions' current Moat Score is 2. Based on the distribution chart, Innovative Payment Solutions ranks #580 out of 2837 companies in the Software industry, which is in the top quartile — a strong position relative to peers.
How does Innovative Payment Solutions' Moat Score compare to VISM and SMKG?
According to the Software industry distribution chart, Innovative Payment Solutions ranks #580 out of 2837 companies for Moat Score. This places Innovative Payment Solutions in the top 20% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Software company?
A good Moat Score depends on the Software industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Innovative Payment Solutions's current Moat Score is 2. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Innovative Payment Solutions stock overvalued right now?
Innovative Payment Solutions (IPSI) has a current Moat Score of 2. The current Moat Score is 2. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Innovative Payment Solutions (IPSI), the current Moat Score is 2 as of Aug. 08, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Innovative Payment Solutions Business Description

Address 732 South 6th Street, No. 4621, Las Vegas, NV, USA, 89101
Innovative Payment Solutions Inc fintech provider of digital payment solutions presently focused on, through its participation in IPSIPay Express, developing a new account-to-account payment application called Instant Settlement in RealTime as well as traditional credit card processing services.