Softgate Systems has transformed the payments industry with the Retail Payments Exchange—the only open exchange connecting ISOs, integrated partners, service providers, merchants, retailers, and billers to leading services and technologies that meet the needs of the cash-preferred consumer base. Softgate also operates one of the largest national networks of independent neighborhood-based payment centers in the country, providing reliable bill payment and prepaid services to cash-preferred customers through the PayXchange service. Softgate Systems is the former IPP of America, which was established in 1993. In November 2009, IPP purchased Softgate Systems, Inc, an aggregator of prepaid services, and in 2010 evolved the corporate identity to Softgate Systems, marking the advancement of product offerings—bill payment, prepaid services, and international services.