IPSI / Innovative Payment Solutions, Inc. - SEC-arkiveringar, Årsredovisning, Fullmaktsutlåtande

Innovative Payment Solutions, Inc.
US ˙ OTCPK

Grundläggande statistik
CIK 1591913
SEC Filings
All companies that sell securities in the United States must register with the Securities and Exchange Commission (SEC) and file reports on a regular basis. These reports include company annual reports (10K, 10Q), news updates (8K), investor presentations (found in 8Ks), insider trades (form 4), ownership reports (13D, and 13G), and reports related to the specific securities sold, such as registration statements and prospectus. This page shows recent SEC filings related to Innovative Payment Solutions, Inc.
SEC Filings (Chronological Order)
Denna sida innehåller en komplett, kronologisk lista över SEC-arkiveringar, exklusive ägande-arkiveringar som vi tillhandahåller på andra ställen.
August 14, 2025 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 ☐ TRANSITION REPORT PU

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 000-55648 INNOVATIVE PAY

May 15, 2025 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 000-55648 INNOVATIVE PA

March 31, 2025 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-K (Mark one) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal period ended December 31, 2024 ☐ TRANSITION REPORT PURSUA

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-K (Mark one) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal period ended December 31, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number – 000-55648 INNOVATIVE PAYMENT SOLUTIONS, INC.

January 28, 2025 EX-99.1

Termination of the Merger Agreement letter Dated January 22, 2025

January 28, 2025 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): January 22, 2025 (January 27, 2024) Innovative Payment Solutions, Inc. (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-556

January 10, 2025 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): January 10, 2025 (January 7, 2025) Innovative Payment Solutions, Inc. (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-5564

November 12, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 000-55648 INNOVATIV

August 14, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2024 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 000-55648 INNOVATIVE PAY

July 31, 2024 EX-10.1

Voting and Support Agreement, dated as of July 28, 2024, by and among Innovative Payment Solutions, Inc., Business Warrior Corporation and the holders party thereto.

Exhibit 10.1 VOTING AND SUPPORT AGREEMENT This Voting and Support Agreement (this “Agreement”) is made as of July 28, 2024 by and among (i) Innovative Payment Solutions, Inc., a Nevada corporation (“Parent”), (ii) Business Warrior Corporation, a Wyoming corporation (the “Company”), and (iii) the undersigned holder (“Holder”) of capital stock and/or securities convertible into capital stock of the

July 31, 2024 425

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): July 31, 2024 (July 25, 2024) Inn

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): July 31, 2024 (July 25, 2024) Innovative Payment Solutions, Inc. (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-55648 33-

July 31, 2024 EX-10.1

Voting and Support Agreement, dated as of July 28, 2024, by and among Innovative Payment Solutions, Inc., Business Warrior Corporation and the holders party thereto.

Exhibit 10.1 VOTING AND SUPPORT AGREEMENT This Voting and Support Agreement (this “Agreement”) is made as of July 28, 2024 by and among (i) Innovative Payment Solutions, Inc., a Nevada corporation (“Parent”), (ii) Business Warrior Corporation, a Wyoming corporation (the “Company”), and (iii) the undersigned holder (“Holder”) of capital stock and/or securities convertible into capital stock of the

July 31, 2024 EX-2.1

Agreement and Plan of Merger, dated as of July 28, 2024, by and among Business Warrior Corporation, IPSI Merger Sub, Inc. and Innovative Payment Solutions, Inc.

Exhibit 2.1 AGREEMENT AND PLAN OF MERGER BY AND AMONG BUSINESS WARRIOR CORPORATION, IPSI MERGER SUB, INC., AND INNOVATIVE PAYMENT SOLUTIONS, INC. DATED AS OF JULY 28, 2024 TABLE OF CONTENTS Page Article I. THE MERGER 2 Section 1.1. The Merger and the Charter Amendment 2 Section 1.2. Closing; Effective Time 2 Section 1.3. Tax Consequence 2 Article II. DIRECTORS, OFFICERS AND CHARTER DOCUMENTS 2 Sec

July 31, 2024 EX-2.1

Agreement and Plan of Merger, dated as of July 28, 2024, by and among Business Warrior Corporation, IPSI Merger Sub, Inc. and Innovative Payment Solutions, Inc.

Exhibit 2.1 AGREEMENT AND PLAN OF MERGER BY AND AMONG BUSINESS WARRIOR CORPORATION, IPSI MERGER SUB, INC., AND INNOVATIVE PAYMENT SOLUTIONS, INC. DATED AS OF JULY 28, 2024 TABLE OF CONTENTS Page Article I. THE MERGER 2 Section 1.1. The Merger and the Charter Amendment 2 Section 1.2. Closing; Effective Time 2 Section 1.3. Tax Consequence 2 Article II. DIRECTORS, OFFICERS AND CHARTER DOCUMENTS 2 Sec

July 31, 2024 EX-99.1

2

Exhibit 99.1 Source: Innovative Payment Solutions, Inc. July 29, 2024 09:00 ET Innovative Payment Solutions and Business Warrior Corporation Sign Definitive Merger Agreement Combined fintech company will offer IPSIPay Express, a new system seeking to transform the payments industry, and BZWR’s PayPlanTM cloud-based lending platform Transaction consideration to be issued to BZWR stockholders is 45%

July 31, 2024 EX-99.1

2

Exhibit 99.1 Source: Innovative Payment Solutions, Inc. July 29, 2024 09:00 ET Innovative Payment Solutions and Business Warrior Corporation Sign Definitive Merger Agreement Combined fintech company will offer IPSIPay Express, a new system seeking to transform the payments industry, and BZWR’s PayPlanTM cloud-based lending platform Transaction consideration to be issued to BZWR stockholders is 45%

July 31, 2024 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Other Events, Entry into a Material Definitive Agreement

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): July 31, 2024 (July 25, 2024) Innovative Payment Solutions, Inc. (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-55648 33-

May 14, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 000-55648 INNOVATIVE PA

April 17, 2024 10-K/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-K/A (Amendment No. 1)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-K/A (Amendment No.

March 29, 2024 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-K (Mark one) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal period ended December 31, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number – 000-55648 INNOVATIVE PAYMENT SOLUTIONS, INC.

February 26, 2024 8-K

Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): February 26, 2024 (February 12, 2024) Innovative Payment Solutions, Inc. (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-5

December 1, 2023 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): December 1, 2023 (November 30, 2023) Innovative Payment Solutions, Inc. (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-55

November 13, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 ☐ TRANSITION REPO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 000-55648 INNOVATIV

November 6, 2023 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of

September 6, 2023 EX-10.1

Novation Agreement, dated September 5, 2023, by and among Endpoint Technologies, LLC, Innovative Payment Solutions, Inc., and Frictionless Financial Technologies Inc..

Exhibit 10.1 Novation Agreement This Novation Agreement (“Agreement”) is entered into on this 5th day of September, 2023 (the “Effective Date”) by and among: Endpoint Technologies, LLC, a limited liability company organized and existing under the laws of Delaware, with its principal office located at 651 N. Broad Street, Ste 205, #4771, Middleton, DE 19709 (“Endpoint”); Innovative Payments Solutio

September 6, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): September 6, 2023 (September 5, 2

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): September 6, 2023 (September 5, 2023) Innovative Payment Solutions, Inc. (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-5

August 30, 2023 8-K

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Material Modification to Rights of Security Holders, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): August 30, 2023 (August 24, 2023) Innovative Payment Solutions, Inc. (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-55648

August 30, 2023 EX-3.1

Certificate of Correction to the Certificate of Amendment to the Articles of Incorporation of the Company, dated August 24, 2023, to effect a 1-for-30 reverse stock split (Incorporated by reference to Exhibit 3.1 to the Current Report on Form 8-K filed with the Securities and Exchange Commission on August 30, 2023)

Exhibit 3.1

August 14, 2023 EX-4.1

Form of Convertible Promissory Note relating to 2023 note financings (Incorporated by reference to Exhibit 4.1 to the Quarterly Report on Form 10-Q (File No. 000-55648) filed with the Securities and Exchange Commission on August 14, 2023)

Exhibit 4.1 NEITHER THIS SECURITY NOR THE SECURITIES INTO WHICH THIS SECURITY IS CONVERTIBLE HAVE BEEN REGISTERED WITH THE SECURITIES AND EXCHANGE COMMISSION OR THE SECURITIES COMMISSION OF ANY STATE IN RELIANCE UPON AN EXEMPTION FROM REGISTRATION UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE “SECURITIES ACT”), AND, ACCORDINGLY, MAY NOT BE OFFERED OR SOLD EXCEPT PURSUANT TO AN EFFECTIVE REGIST

August 14, 2023 EX-10.2

Form of Warrant relating to 2023 note financings (Incorporated by reference to Exhibit 10.2 to the Quarterly Report on Form 10-Q (File No. 000-55648) filed with the Securities and Exchange Commission on August 14, 2023)

Exhibit 10.2 SECURITIES PURCHASE AGREEMENT This Securities Purchase Agreement (this “Agreement”) is dated as of by and between Innovative Payment Solutions, Inc., a Nevada corporation (the “Company”), and each lender party that executes the signature page hereto as a purchaser (each, a “Purchaser” and collectively, the “Purchasers”). WHEREAS, subject to the terms and conditions set forth in this A

August 14, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 000-55648 INNOVATIVE PAY

August 14, 2023 EX-10.1

Form of Securities Purchase Agreement entered into by the Company with the investors in the 2023 Note Financings

Exhibit 10.1 NEITHER THIS SECURITY NOR THE SECURITIES FOR WHICH THIS SECURITY IS EXERCISABLE HAVE BEEN REGISTERED WITH THE SECURITIES AND EXCHANGE COMMISSION OR THE SECURITIES COMMISSION OF ANY STATE IN RELIANCE UPON AN EXEMPTION FROM REGISTRATION UNDER THE SECURITIES ACT OF 1933 (THE “SECURITIES ACT”), AND, ACCORDINGLY, MAY NOT BE OFFERED OR SOLD EXCEPT PURSUANT TO AN EFFECTIVE REGISTRATION STATE

June 23, 2023 EX-10.1

Limited Liability Company Operating Agreement of IPSIPay Express LLC, dated June 19, 2023, among Innovative Payment Solutions, Inc., and Open Path, Inc., and EfinityPay, LLC.

Exhibit 10.1 LIMITED LIABILITY COMPANY OPERATING AGREEMENT OF IPSIPAY EXPRESS, LLC THIS LIMITED LIABILITY COMPANY OPERATING AGREEMENT (the “Agreement”), executed as of June 19, 2023 and effective as of April 28, 2023 (the “Effective Date”), is entered into by and among INNOVATIVE PAYMENT SOLUTIONS, INC., a Nevada corporation (“IPSI”); OPEN PATH, INC., a Delaware corporation (“OP”), and EFINITYPAY,

June 23, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): June 23, 2023 (June 19, 2023) Inn

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): June 23, 2023 (June 19, 2023) Innovative Payment Solutions, Inc. (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-55648 33-

May 15, 2023 EX-10.1

Agreement, dated May 12, 2023, by and between Frictionless Financial Technologies, Inc. and the Company

Exhibit 10.1 AGREEMENT This Agreement (the “Agreement”) is made and entered into as of this 12th day of May, 2023 by and between FRICTIONLESS FINANCIAL TECHNOLOGIES, INC., a Delaware corporation (“FFT”) and INNOVATIVE PAYMENT SOLUTIONS, INC., a Nevada corporation (“IPSI”). RECITALS WHEREAS, FFT and IPSI entered into that certain Stock Purchase Agreement dated as of June 22, 2021 (the “SPA”); and W

May 15, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 000-55648 INNOVATIVE PA

March 31, 2023 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-K (Mark one) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal period ended December 31, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number – 000-55648 INNOVATIVE PAYMENT SOLUTIONS, INC.

February 17, 2023 EX-4.2

Form of Warrant relating to February 2023 private placement (Incorporated by reference to Exhibit 4.2 to the Current Report on Form 8-K (File No. 000-55648) filed with the Securities and Exchange Commission on February 17, 2023)

Exhibit 4.2 NEITHER THIS SECURITY NOR THE SECURITIES FOR WHICH THIS SECURITY IS EXERCISABLE HAVE BEEN REGISTERED WITH THE SECURITIES AND EXCHANGE COMMISSION OR THE SECURITIES COMMISSION OF ANY STATE IN RELIANCE UPON AN EXEMPTION FROM REGISTRATION UNDER THE SECURITIES ACT OF 1933 (THE “SECURITIES ACT”), AND, ACCORDINGLY, MAY NOT BE OFFERED OR SOLD EXCEPT PURSUANT TO AN EFFECTIVE REGISTRATION STATEM

February 17, 2023 EX-4.1

Form of Convertible Promissory Note relating to February 2023 private placement (Incorporated by reference to Exhibit 4.1 to the Current Report on Form 8-K (File No. 000-55648) filed with the Securities and Exchange Commission on February 17, 2023)

Exhibit 4.1 NEITHER THIS SECURITY NOR THE SECURITIES INTO WHICH THIS SECURITY IS CONVERTIBLE HAVE BEEN REGISTERED WITH THE SECURITIES AND EXCHANGE COMMISSION OR THE SECURITIES COMMISSION OF ANY STATE IN RELIANCE UPON AN EXEMPTION FROM REGISTRATION UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE “SECURITIES ACT”), AND, ACCORDINGLY, MAY NOT BE OFFERED OR SOLD EXCEPT PURSUANT TO AN EFFECTIVE REGIST

February 17, 2023 EX-10.1

Form of Securities Purchase Agreement

Exhibit 10.1 SECURITIES PURCHASE AGREEMENT This Securities Purchase Agreement (this “Agreement”) is dated as of February [ ], 2023, by and between Innovative Payment Solutions, Inc., a Nevada corporation (the “Company”), and each lender party that executes the signature page hereto as a purchaser (each, a “Purchaser” and collectively, the “Purchasers”). WHEREAS, subject to the terms and conditions

February 17, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): February 17, 2023 (February 13, 2

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): February 17, 2023 (February 13, 2023) Innovative Payment Solutions, Inc. (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-5

February 8, 2023 424B4

306,528,740 Shares Common Stock

PROSPECTUS Filed Pursuant to Rule 424(b)(4) File No. 333-269261 306,528,740 Shares Common Stock This prospectus relates to the offering and resale by the selling stockholders identified herein (the “Selling Stockholders”) of up to 306,528,740 shares of the common stock, par value $0.001 (the “common stock”) of Innovative Payment Solutions, Inc., a Nevada corporation, (“IPSI,” the “Company,” “we,”

February 3, 2023 S-1/A

As filed with the Securities and Exchange Commission on February 3, 2023

As filed with the Securities and Exchange Commission on February 3, 2023 Registration No.

February 3, 2023 AW

Innovative Payment Solutions, Inc. 56B 5th Avenue, Lot 1 #AT Carmel By the Sea, CA 93921

Innovative Payment Solutions, Inc. 56B 5th Avenue, Lot 1 #AT Carmel By the Sea, CA 93921 February 3, 2023 VIA EDGAR U.S. SECURITIES AND EXCHANGE COMMISSION Division of Corporation Finance 100 F Street, N.E. Washington, DC 20549 Attention: Scott M. Anderegg Re: Application for Withdrawal Innovative Payment Solutions, Inc. Registration Statement on Form S-1/A Filed February 2, 2023 (File No. 333-255

February 2, 2023 S-1/A

As filed with the Securities and Exchange Commission on February 2, 2023

As filed with the Securities and Exchange Commission on February 2, 2023 Registration No.

February 2, 2023 CORRESP

Innovative Payment Solutions, Inc. 56B 5th Avenue, Lot 1 #AT Carmel By the Sea, CA 93921

CORRESP 1 filename1.htm Innovative Payment Solutions, Inc. 56B 5th Avenue, Lot 1 #AT Carmel By the Sea, CA 93921 February 2, 2023 VIA EDGAR U.S. SECURITIES AND EXCHANGE COMMISSION Division of Corporation Finance 100 F Street, N.E. Washington, DC 20549 Attention: Scott M. Anderegg Re: Innovative Payment Solutions, Inc. Registration Statement on Form S-1/A Filed February 2, 2023 (File No. 333-255312

January 17, 2023 S-1

As filed with the Securities and Exchange Commission on January 17, 2023

As filed with the Securities and Exchange Commission on January 17, 2023 Registration No.

January 17, 2023 EX-FILING FEES

Calculation of Filing Fee Tables

Exhibit 107 Calculation of Filing Fee Tables FORM S-1 Innovative Payment Solutions, Inc.

January 5, 2023 EX-4.2

Promissory Note (Warrant Exchange) for Mercer Street Global Opportunity Fund, LLC. (Incorporated by reference to Exhibit 4.2 to the Current Report on Form 8-K (File No. 000-55648) filed with the Securities and Exchange Commission on January 5, 2023)

Exhibit 4.2 Promissory Note U.S.$482,000 Issuance Date: December 30, 2022 The undersigned maker, Innovative Payment Solutions, Inc, a Nevada corporation (?Borrower?) promises to pay to the order of Mercer Street Global Opportunity Fund, LLC (?Lender?), the principal sum of U.S. $482,000), together with interest accruing thereon from the date hereof at the rate and time hereinafter provided. Intere

January 5, 2023 EX-10.2

Note Amendment, dated December 30, 2022, between the Company and Mercer Street Global Opportunity Fund, L.L.C. (Incorporated by reference to Exhibit 10.2 to the Current Report on Form 8-K (File No. 000-55648) filed with the Securities and Exchange Commission on January 5, 2023)

Exhibit 10.2 Innovative Payment Solutions, Inc. 56B 5th Avenue, Lot 1 #AT Carmel By The Sea, California 93921 December 30, 2022 Mercer Street Global Opportunity Fund, LLC Attention: Jonathan Juchno Re: Amendments Dear Jonathan, This letter agreement documents our agreement to amend that certain Convertible Note, dated February 16, 2021, as amended (the ?Note?), issued by Innovative Payment Solutio

January 5, 2023 8-K

Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): January 5, 2023 (December 30, 2022) Innovative Payment Solutions, Inc. (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-556

January 5, 2023 EX-4.1

Promissory Note (Warrant Exchange), dated December 30, 2022, by the Company in favor of Cavalry Fund I LP. (Incorporated by reference to Exhibit 4.1 to the Current Report on Form 8-K (File No. 000-55648) filed with the Securities and Exchange Commission on January 5, 2023)

Exhibit 4.1 Promissory Note U.S.$482,000 Issuance Date: December 30, 2022 The undersigned maker, Innovative Payment Solutions, Inc, a Nevada corporation (?Borrower?) promises to pay to the order of Cavalry Fund I LP (?Lender?), the principal sum of U.S. $482,000), together with interest accruing thereon from the date hereof at the rate and time hereinafter provided. Interest (computed on the basis

January 5, 2023 EX-10.1

Note Amendment, dated December 30, 2022, between the Company and Cavalry Fund I LLP (Incorporated by reference to Exhibit10.1 to the Current Report on Form 8-K (File No. 000-55648) filed with the Securities and Exchange Commission on January 5, 2023).

Exhibit 10.1 Innovative Payment Solutions, Inc. 56B 5th Avenue, Lot 1 #AT Carmel By The Sea, California 93921 December 30, 2022 Cavalry Fund I, L.P. Attention: Thomas Walsh Re: Amendments Dear Thomas, This letter agreement documents our agreement to amend that certain Convertible Note, dated February 16, 2021, as amended (the ?Note?), issued by Innovative Payment Solutions, Inc. (the ?Company?) to

November 14, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 000-55648 INNOVATIV

November 2, 2022 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): November 2, 2022 Innovative Payme

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): November 2, 2022 Innovative Payment Solutions, Inc. (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-55648 33-1230229 (Comm

October 28, 2022 10-Q/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q/A (Amendment No. 2) (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 ☐

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q/A (Amendment No. 2) (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number:

October 25, 2022 EX-99.1

©s 2022 Innovative Payment Solutions, Inc. All rights reserved OTCQB: IPSI October 2022 Digital Payment Solutions For T he Unbanked and Underserved © 2022 Innovative Payment Solutions, Inc. All rights reserved This presentation including statements o

Exhibit 99.1 ©s 2022 Innovative Payment Solutions, Inc. All rights reserved OTCQB: IPSI October 2022 Digital Payment Solutions For T he Unbanked and Underserved © 2022 Innovative Payment Solutions, Inc. All rights reserved This presentation including statements of management made in connection with this presentation includes forward - looking statements within the meaning of the Private Securities

October 25, 2022 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): October 25, 2022 Innovative Payme

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): October 25, 2022 Innovative Payment Solutions, Inc. (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-55648 33-1230229 (Comm

September 28, 2022 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) __________________________ INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securitie

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of

September 16, 2022 PRE 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) __________________________ INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securitie

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☒ Preliminary Proxy Statement ☐ Confidential, for Use of

September 2, 2022 8-K

Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): September 2, 2022 (August 30, 2022) Innovative Payment Solutions, Inc. (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-556

September 2, 2022 EX-4.3

Form of Extension Warrant, dated August 30, 2022

Exhibit 4.3 NEITHER THIS SECURITY NOR THE SECURITIES FOR WHICH THIS SECURITY IS EXERCISABLE HAVE BEEN REGISTERED WITH THE SECURITIES AND EXCHANGE COMMISSION OR THE SECURITIES COMMISSION OF ANY STATE IN RELIANCE UPON AN EXEMPTION FROM REGISTRATION UNDER THE SECURITIES ACT OF 1933 (THE ?SECURITIES ACT?), AND, ACCORDINGLY, MAY NOT BE OFFERED OR SOLD EXCEPT PURSUANT TO AN EFFECTIVE REGISTRATION STATEM

September 2, 2022 EX-4.2

Extension Letter Agreement with Mercer Street Global Opportunity Fund, LLC, dated August 30, 2022 (Incorporated by reference to Exhibit 4.2 to the Current Report on Form 8-K (File No. 000-55648) filed with the Securities and Exchange Commission on September 2, 2022).

Exhibit 4.2 Innovative PAyment Solutions, Inc. 56B 5th Street, Lot 1, #AT Carmel by the Sea, CA 93921 August 30, 2022 Mercer Street Global Opportunity Fund, LLC, as Original Issue Discount Convertible Promissory Note Re: Extension of Maturity Date Dear Holder: Reference is made to that certain Original Issue Discount Convertible Promissory Note (the ?Note?) made by Innovative Payment Solutions, In

September 2, 2022 EX-4.1

Extension Letter Agreement with Cavalry Fund I LP, dated August 30, 2022. (Incorporated by reference to Exhibit 4.1 to the Current Report on Form 8-K (File No. 000-55648) filed with the Securities and Exchange Commission on September 2, 2022)

Exhibit 4.1 Innovative PAyment Solutions, Inc. 56B 5th Street, Lot 1, #AT Carmel by the Sea, CA 93921 August 30, 2022 Cavalry Fund I LP, as Original Issue Discount Convertible Promissory Note Re: Extension of Maturity Date Dear Holder: Reference is made to that certain Original Issue Discount Convertible Promissory Note (the ?Note?) made by Innovative Payment Solutions, Inc., issued to you on Febr

August 16, 2022 10-Q/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q/A (Amendment No. 1) (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 ☐

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q/A (Amendment No. 1) (Mark One) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number:

August 11, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 000-55648 INNOVATIVE PAY

August 11, 2022 EX-3.1

Certificate of Amendment to Articles of Incorporation, dated December 7, 2021.

Exhibit 3.1

July 13, 2022 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): July 13, 2022 (July 8, 2022) Innovative Payment Solutions, Inc. (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-55648 33-1

May 13, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark one) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 000-55648 INNOVATIVE PA

March 31, 2022 EX-4.9

Description of Securities (Incorporated by reference to Exhibit 4.9 to the Annual Report on Form 10-K (File No. 000-55648) filed with the Securities and Exchange Commission on March 31, 2022)

Exhibit 4.9 DESCRIPTION OF SECURITIES REGISTERED PURSUANT TO SECTION 12 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED Innovative Payment Solutions, Inc. (the ?Registrant,? ?we,? ?us,? and ?our?) had one class of securities registered under Section 12 of the Securities Exchange Act of 1934, as amended (the ?Exchange Act?), which is our common stock, par value $0.0001 per share (the ?Common Sto

March 31, 2022 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-K (Mark one) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal period ended December 31, 2021 ☐ TRANSITION REPORT PURSUA

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-K (Mark one) ? ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal period ended December 31, 2021 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number ? 000-55648 INNOVATIVE PAYMENT SOLUTIONS, INC.

March 31, 2022 EX-21

List of Subsidiaries

Exhibit 21 SUBSIDIARIES OF Innovative Payment Solutions, INC. Name of Company and Name Doing Business Jurisdiction of Organization Beyond Fintech Inc. State of Delaware

February 9, 2022 8-K

Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): February 9, 2022 (February 3, 2022) Innovative Payment Solutions, Inc. (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-556

February 9, 2022 EX-4.1

Extension with Cavalry Fund I LP, dated February 3, 2022 (Incorporated by reference to Exhibit 4.1 to the Current Report on Form 8-K (File No. 000-55648) filed with the Securities and Exchange Commission on February 8, 2022).

Exhibit 4.1 Innovative Payment Solutions, Inc. 19355 Business Center Drive, #9 Northridge, CA 91324 February 3, 2022 Holder of the Original Issue Discount Convertible Promissory Note Re: Extension of Maturity Date Dear Holder: Reference is made to that certain Original Issue Discount Convertible Promissory Note (the ?Note?) made by Innovative Payment Solutions, Inc. and issued on February 16, 2021

February 9, 2022 EX-4.2

Extension with Mercer Street Global Opportunity Fund, LLC, dated February 3, 2022. (Incorporated by reference to Exhibit 4.2 to the Current Report on Form 8-K (File No. 000-55648) filed with the Securities and Exchange Commission on February 8, 2022)

Exhibit 4.2 Innovative Payment Solutions, Inc. 19355 Business Center Drive, #9 Northridge, CA 91324 February 3, 2022 Holder of the Original Issue Discount Convertible Promissory Note Re: Extension of Maturity Date Dear Holder: Reference is made to that certain Original Issue Discount Convertible Promissory Note (the ?Note?) made by Innovative Payment Solutions, Inc. and issued on February 16, 2021

November 12, 2021 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 ☐ TRANSITION REPORT PURSUANT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000-55648 INNOVATIVE PAYMEN

October 27, 2021 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): October 26, 2021 (October 22, 2021) Innovative Payment Solutions, Inc. (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-556

September 15, 2021 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): September 14, 2021 (September 13,

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): September 14, 2021 (September 13, 2021) Innovative Payment Solutions, Inc. (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000

September 15, 2021 DEF 14A

2021 Stock Incentive Plan (Incorporated by reference to Appendix C to the Definitive Information Statement on Schedule 14A (File No. 000-55648) filed with the Securities and Exchange Commission on September 15, 2021)

DEF 14A 1 def14a0921innovativepay.htm PROXY STATEMENT UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐

September 13, 2021 EX-99.1

INVESTOR.IPSIPAY.COM | © 2021 INNOVATIVE PAYMENT SOLUTIONS, INC. DIGITAL PAYMENT SOLUTIONS FOR THOSE WHO NEED IT MOST OTCQB: IPSI September 2021 INVESTOR.IPSIPAY.COM | © 2021 INNOVATIVE PAYMENT SOLUTIONS, INC. FORWARD LOOKING STATEMENTS This presenta

Exhibit 99.1 INVESTOR.IPSIPAY.COM | ? 2021 INNOVATIVE PAYMENT SOLUTIONS, INC. DIGITAL PAYMENT SOLUTIONS FOR THOSE WHO NEED IT MOST OTCQB: IPSI September 2021 INVESTOR.IPSIPAY.COM | ? 2021 INNOVATIVE PAYMENT SOLUTIONS, INC. FORWARD LOOKING STATEMENTS This presentation includes forward - looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 , as amended about

September 13, 2021 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): September 13, 2021 Innovative Payment Solutions, Inc. (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-55648 33-1230229 (Co

September 13, 2021 EX-99.2

Innovative Payment Solutions, Inc. Launches Beyond Wallet, Its New App Enabling Customers to Send Cash to Mexico

Exhibit 99.2 Innovative Payment Solutions, Inc. Launches Beyond Wallet, Its New App Enabling Customers to Send Cash to Mexico CARMEL by the Sea, CA, September 13, 2021 - Innovative Payment Solutions, Inc. (OTCQB: IPSI) (?Innovative,? ?IPSI,? or the ?Company?), a next generation digital wallet ecosystem company, announces today the soft launch of its new e-wallet app, Beyond Wallet, which the Compa

September 3, 2021 PRER14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of

September 2, 2021 PRE 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (RULE 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☒ Preliminary Proxy Statement ☐ Confidential, for Use of

August 20, 2021 EX-10.2

Indemnification Agreement between Innovative Payment Solutions, Inc. and Richard Rosenblum, effective August 20, 2021 (Incorporated by reference to Exhibit 10.2 to the Current Report on Form 8-K (File No. 000-55648) filed with the Securities and Exchange Commission on August 20, 2021)

Exhibit 10.2 INDEMNIFICATION AGREEMENT This INDEMNIFICATION AGREEMENT (?Agreement?), dated and made effective as of July 30, 2021, is entered into by and between INNOVATIVE PAYMENT SOLUTIONS, INC., a corporation organized and existing under the laws of the State of Nevada, having offices at 19355 Business Center Drive, Northridge, CA 91324 (?Company?), and WILLIAM CORBETT, an individual (?Indemnit

August 20, 2021 EX-10.3

Executive Employment Agreement between Innovative Payment Solutions, Inc. and Richard Rosenblum, First Amendment, effective August 16, 2021 (Incorporated by reference to Exhibit 10.3 to the Current Report on Form 8- K (File No. 000-55648) filed with the Securities and Exchange Commission on August 20, 2021)

Exhibit 10.3 FIRST AMENDMENT TO EMPLOYMENT AGREEMENT THIS FIRST AMENDMENT TO EMPLOYMENT AGREEMENT (?Amendment?) is made and entered into as of August 16, 2021 (the ?Effective Date?) by and between Richard Rosenblum, an individual (the ?Executive?) and Innovative Payment Solutions, Inc. (the ?Company?) (Executive and the Company are referred to collectively as the ?Parties?) WHEREAS, the Parties en

August 20, 2021 EX-10.1

August 2021 Corbett Employment Agreement dated August 16, 2021

Exhibit 10.1 EXECUTION COPY EXECUTIVE EMPLOYMENT AGREEMENT between INNOVATIVE PAYMENT SOLUTIONS, INC. and WILLIAM CORBETT August 16, 2021 EXECUTIVE EMPLOYMENT AGREEMENT This EXECUTIVE EMPLOYMENT AGREEMENT (?Agreement?), dated and made effective as of August 16, 2021 (the ?Effective Date?), is entered into by and between INNOVATIVE PAYMENT SOLUTIONS, INC., a corporation organized and existing under

August 20, 2021 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): August 20, 2021 (August 16, 2021) Innovative Payment Solutions, Inc. (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-55648

August 12, 2021 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2021 ☐ TRANSITION REPORT PURSUANT TO S

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2021 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 000-55648 INNOVATIVE PAYMENT SOL

July 28, 2021 EX-99.1

Innovative Payment Solutions, Inc. Appoints Richard Rosenblum as President and Chief Financial Officer

Exhibit 99.1 Innovative Payment Solutions, Inc. Appoints Richard Rosenblum as President and Chief Financial Officer CARMEL, CA, July 28, 2021 - Innovative Payment Solutions, Inc. (OTCQB: IPSI) (?Innovative? or the ?Company?), a California-based fintech company focused on building a 21st century universal digital payment platform, IPSIPay, today announced the appointment of Richard Rosenblum as the

July 28, 2021 EX-10.2

Indemnification Agreement between Innovative Payment Solutions, Inc. and Richard Rosenblum, dated July 27, 2021

Exhibit 10.2 INDEMNIFICATION AGREEMENT This INDEMNIFICATION AGREEMENT (?Agreement?), dated and made effective as of July 27, 2021, is entered into by and between INNOVATIVE PAYMENT SOLUTIONS, INC., a corporation organized and existing under the laws of the State of Nevada, having offices at 19355 Business Center Drive, Northridge, CA 91324 (?Company?), and RICHARD ROSENBLUM, an individual residing

July 28, 2021 EX-10.1

Executive Employment Agreement between Innovative Payment Solutions, Inc. and Richard Rosenblum, effective July 27, 2021 (Incorporated by reference to Exhibit 10.1 to the Current Report on Form 8- K (File No. 000-55648) filed with the Securities and Exchange Commission on July 28, 2021)

Exhibit 10.1 EXECUTION COPY EXECUTIVE EMPLOYMENT AGREEMENT between INNOVATIVE PAYMENT SOLUTIONS, INC. and Richard Rosenblum July 27, 2021 EXECUTIVE EMPLOYMENT AGREEMENT This EXECUTIVE EMPLOYMENT AGREEMENT (?Agreement?), dated and made effective as of July 27, 2021 (the ?Effective Date?), is entered into by and between INNOVATIVE PAYMENT SOLUTIONS, INC., a corporation organized and existing under t

July 28, 2021 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): July 28, 2021 (July 22, 2021) Innovative Payment Solutions, Inc. (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-55648 33-

July 28, 2021 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): July 28, 2021 (July 22, 2021) Innovative Payment Solutions, Inc. (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-55648 33-

July 19, 2021 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): May 31, 2021 Innovative Payment Solutions, Inc. (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-55648 33-1230229 (Commissi

June 28, 2021 EX-99.1

Innovative Payment Solutions, Inc Acquires 10% Stake in Boston based Start-Up Frictionless Financial Technologies, Inc.

Exhibit 99.1 Innovative Payment Solutions, Inc Acquires 10% Stake in Boston based Start-Up Frictionless Financial Technologies, Inc. CARMEL, CA, JUNE 28, 2021 - Innovative Payment Solutions, Inc. (OTCQB: IPSI) (?Innovative? or the ?Company?), a Southern California based fintech company focused on building a 21st century universal digital payment platform, IPSIPay?, today announced the acquisition

June 28, 2021 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): June 28, 2021 (June 22, 2021) Innovative Payment Solutions, Inc. (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-55648 33-

May 14, 2021 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2021 ☐ TRANSITION REPORT PURSUANT TO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2021 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 333-192877 INNOVATIVE PAYMENT S

May 6, 2021 EX-3.1

Amended and Restated Bylaws of the Company (Incorporated by reference to Exhibit 3.1 to the Company’s Current Report on Form 8-K filed with the Securities and Exchange Commission on May 6, 2021)

Exhibit 3.1 AMENDED AND RESTATED BYLAWS OF INNOVATIVE PAYMENT SOLUTIONS, INC. TABLE OF CONTENTS Page ARTICLE I ? CORPORATE OFFICES 1 1.1. REGISTERED OFFICE 1 1.2. OTHER OFFICES 1 ARTICLE II ? MEETINGS OF STOCKHOLDERS 1 2.1. PLACE OF MEETINGS 1 2.2. ANNUAL MEETING 1 2.3. SPECIAL MEETING 1 2.4. ADVANCE NOTICE PROCEDURES 2 2.5. NOTICE OF STOCKHOLDERS? MEETINGS 6 2.6. QUORUM 6 2.7. ADJOURNED MEETING;

May 6, 2021 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): May 1, 2021 Innovative Payment Solutions, Inc. (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-55648 33-1230229 (Commissio

April 28, 2021 424B3

102,204,552 Shares of Common Stock

Filed Pursuant to Rule 424(b)(3) File No. 333-255312 PROSPECTUS 102,204,552 Shares of Common Stock This prospectus relates to the offering and resale by the selling stockholders (the ?Selling Stockholders?) identified herein of up to 102,204,552 shares of the common stock, par value $0.001 (the ?common stock?) of Innovative Payment Solutions, Inc. (?IPSI,? the ?Company,? ?we,? ?our,? or ?us?), a N

April 23, 2021 CORRESP

19355 Business Center Drive, #9 Northridge, California 91324 (818) 864-8404

CORRESP 1 filename1.htm 19355 Business Center Drive, #9 Northridge, California 91324 (818) 864-8404 April 23, 2021 VIA EDGAR United States Securities and Exchange Commission Division of Corporation Finance 100 F Street, N.E. Washington, D.C. 20549 Attention: Katherine Bagley Re: Innovative Payment Solutions, Inc. Registration Statement on Form S-1 File No: 333-255312 Ladies and Gentlemen: Innovati

April 16, 2021 S-1

Registration Statement - REGISTRATION STATEMENT

As filed with the Securities and Exchange Commission on April 16, 2021 Registration No.

April 15, 2021 EX-99.1

Innovative Payment Solutions, Inc. Investor Presentation dated April 15, 2021

Exhibit 99.1

April 15, 2021 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): April 15, 2021 Innovative Payment Solutions, Inc. (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-55648 33-1230229 (Commis

March 31, 2021 EX-4.24

Description of Securities

Exhibit 4.24 DESCRIPTION OF SECURITIES REGISTERED PURSUANT TO SECTION 12 OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED Innovative Payment Solutions, Inc. (the ?Registrant,? ?we,? ?us,? and ?our?) had one class of securities registered under Section 12 of the Securities Exchange Act of 1934, as amended (the ?Exchange Act?), which is our common stock, par value $0.0001 per share (the ?Common St

March 31, 2021 10-K

Annual Report - ANNUAL REPORT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-K ? ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal period ended December 31, 2020 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number ? 000-55648 INNOVATIVE PAYMENT SOLUTIONS, INC.

March 19, 2021 SC 13D

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. )* INNOVATIVE PAYMENT SOLUTIONS, INC. (Name of Issuer) Common Stock, $0.0001 par value (Title of Class of Se

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. )* INNOVATIVE PAYMENT SOLUTIONS, INC. (Name of Issuer) Common Stock, $0.0001 par value (Title of Class of Securities) 45783M109 (CUSIP Number) William Corbett c/o Innovative Payment Solutions, Inc. 19355 Business Center Drive, #9 Northridge, California 91324

March 16, 2021 8-K

Entry into a Material Definitive Agreement, Unregistered Sales of Equity Securities, Unregistered Sales of Equity Securities, Other Events, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): March 11, 2021 Innovative Payment Solutions, Inc. (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-55648 33-1230229 (Commis

March 16, 2021 EX-4.2

Form of Placement Agent Warrant (Incorporated by reference to Exhibit 4.2 to the Current Report on Form 8-K (File No. 000-55648) filed with the Securities and Exchange Commission on March 15, 2021)

Exhibit 4.2 NEITHER THIS SECURITY NOR THE SECURITIES FOR WHICH THIS SECURITY IS EXERCISABLE HAVE BEEN REGISTERED WITH THE SECURITIES AND EXCHANGE COMMISSION OR THE SECURITIES COMMISSION OF ANY STATE IN RELIANCE UPON AN EXEMPTION FROM REGISTRATION UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE ?SECURITIES ACT?), AND, ACCORDINGLY, MAY NOT BE OFFERED OR SOLD EXCEPT PURSUANT TO AN EFFECTIVE REGISTR

March 16, 2021 EX-10.3

Engagement Letter, dated March 6, 2021, by and between H.C. Wainwright & Co. and Innovative Payment Solutions, Inc. (Incorporated by reference to Exhibit 10.3 to the Current Report on Form 8-K (File No. 000-55648) filed with the Securities and Exchange Commission on March 15, 2021)

Exhibit 10.3 March 6, 2021 STRICTLY CONFIDENTIAL Innovative Payment Solutions, Inc. 19355 Business Center Drive, #9 Northridge, CA 91324 Attn: William Corbett, Chief Executive Officer Dear Mr. Corbett: This letter agreement (this ?Agreement?) constitutes the agreement between Innovative Payment Solutions, Inc. (the ?Company?) and H.C. Wainwright & Co., LLC (?Wainwright?), that Wainwright shall ser

March 16, 2021 EX-99.1

Innovative Payment Solutions, Inc. Announces $4,550,000 Million Private Placement Offering

EX-99.1 7 ea137718ex99-1innovative.htm PRESS RELEASE ISSUED BY INNOVATIVE PAYMENT SOLUTIONS, INC. ON MARCH 12, 2021 Exhibit 99.1 Innovative Payment Solutions, Inc. Announces $4,550,000 Million Private Placement Offering NORTHRIDGE, Calif., March 12, 2021 – Innovative Payment Solutions, Inc. (OTCQB: IPSI) (“Innovative” or the “Company”), a Southern California based fintech company focused on buildi

March 16, 2021 EX-10.2

Form of Registration Rights Agreement (Incorporated by reference to Exhibit 10.2 to the Current Report on Form 8-K (File No. 000-55648) filed with the Securities and Exchange Commission on March 15, 2021)

Exhibit 10.2 EXHIBIT A REGISTRATION RIGHTS AGREEMENT This Registration Rights Agreement (this ?Agreement?) is made and entered into as of March 11, 2021, by and between Innovative Payment Solutions, Inc., a Nevada corporation (the ?Company?), and each of the several purchasers signatory hereto (each such purchaser, a ?Purchaser? and, collectively, the ?Purchasers?). This Agreement is made pursuant

March 16, 2021 EX-4.1

Form of Warrant (Incorporated by reference to Exhibit 4.1 to the Current Report on Form 8-K (File No. 000-55648) filed with the Securities and Exchange Commission on March 15, 2021)

EX-4.1 2 ea137718ex4-1innovative.htm FORM OF WARRANT Exhibit 4.1 NEITHER THIS SECURITY NOR THE SECURITIES FOR WHICH THIS SECURITY IS EXERCISABLE HAVE BEEN REGISTERED WITH THE SECURITIES AND EXCHANGE COMMISSION OR THE SECURITIES COMMISSION OF ANY STATE IN RELIANCE UPON AN EXEMPTION FROM REGISTRATION UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE “SECURITIES ACT”), AND, ACCORDINGLY, MAY NOT BE OF

March 16, 2021 EX-10.1

Form of Securities Purchase Agreement (Incorporated by reference to Exhibit 10.1 to the Current Report on Form 8-K (File No. 000-55648) filed with the Securities and Exchange Commission on March 15, 2021)

Exhibit 10.1 SECURITIES PURCHASE AGREEMENT This Securities Purchase Agreement (this ?Agreement?) is dated as of March 11, 2021, between Innovative Payment Solutions, Inc., a Nevada corporation (the ?Company?), and each purchaser identified on the signature pages hereto (each, including its successors and assigns, a ?Purchaser? and collectively, the ?Purchasers?). WHEREAS, subject to the terms and

February 26, 2021 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Unregistered Sales of Equity Securities, Financial Statements and Exhibits

8-K 1 ea136671-8kinnovative.htm CURRENT REPORT UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): February 22, 2021 Innovative Payment Solutions, Inc. (Exact name of registrant as specified in charter) Nevada (State or other jurisdict

February 26, 2021 EX-4.1

Warrant Agreement, dated February 22, 2021, issued to William D. Corbett (Incorporated by reference to Exhibit 4.1 to the Current Report on Form 8-K (File No. 000-55648) filed with the Securities and Exchange Commission on February 26, 2021)

EX-4.1 2 ea136671ex4-1innovative.htm WARRANT AGREEMENT, DATED FEBRUARY 22, 2021 Exhibit 4.1 NEITHER THIS WARRANT NOR THE SHARES OF COMMON STOCK ISSUABLE ON EXERCISE OF THIS WARRANT HAVE BEEN REGISTERED UNDER THE SECURITIES ACT OR ANY OTHER SECURITIES LAWS (THE “ACTS”). NEITHER THIS WARRANT NOR THE SHARES OF COMMON STOCK PURCHASABLE HEREUNDER MAY BE SOLD, TRANSFERRED, PLEDGED OR HYPOTHECATED IN THE

February 17, 2021 EX-4.1

Form of Original Issue Discount 12.5% Convertible Note (Incorporated by reference to Exhibit 4.1 to the Current Report on Form 8-K (File No. 000-55648) filed with the Securities and Exchange Commission on February 17, 2021)

EX-4.1 2 ea135857ex4-1innovative.htm FORM OF ORIGINAL ISSUE DISCOUNT 12.5% CONVERTIBLE NOTE Exhibit 4.1 NEITHER THIS SECURITY NOR THE SECURITIES INTO WHICH THIS SECURITY IS CONVERTIBLE HAVE BEEN REGISTERED WITH THE SECURITIES AND EXCHANGE COMMISSION OR THE SECURITIES COMMISSION OF ANY STATE IN RELIANCE UPON AN EXEMPTION FROM REGISTRATION UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE “SECURITIE

February 17, 2021 EX-10.3

Form of Registration Rights Agreement, dated February 16, 2021 (Incorporated by reference to Exhibit 10.3 to the Current Report on Form 8-K (File No. 000-55648) filed with the Securities and Exchange Commission on February 17, 2021)

Exhibit 10.3 REGISTRATION RIGHTS AGREEMENT This Registration Rights Agreement (this ?Agreement?) is made and entered into as of February 16, 2021 between Innovative Payment Solutions, Inc. a Nevada corporation (the ?Company?) and (?Purchaser?). WHEREAS, the Company and the Purchaser are parties to that certain Securities Purchase Agreement, dated as of the date of this Agreement (the ?Purchase Agr

February 17, 2021 EX-10.1

Form of Securities Purchase Agreement, dated February 16, 2021 (Incorporated by reference to Exhibit 10.1 to the Current Report on Form 8-K (File No. 000-55648) filed with the Securities and Exchange Commission on February 17, 2021)

Exhibit 10.1 SECURITIES PURCHASE AGREEMENT This Securities Purchase Agreement (this ?Agreement?) is dated as of February 16, 2021, by and between Innovative Payment Solutions, Inc., a Nevada corporation (the ?Company?), and each lender party that executes the signature page hereto as a purchaser (each, a ?Purchaser? and collectively, the ?Purchasers?). WHEREAS, subject to the terms and conditions

February 17, 2021 EX-4.3

Form of Warrant Agreement, dated February 16, 2021 (Incorporated by reference to Exhibit 4.3 to the Current Report on Form 8-K (File No. 000-55648) filed with the Securities and Exchange Commission on February 17, 2021)

Exhibit 4.3 NEITHER THIS SECURITY NOR THE SECURITIES FOR WHICH THIS SECURITY IS EXERCISABLE HAVE BEEN REGISTERED WITH THE SECURITIES AND EXCHANGE COMMISSION OR THE SECURITIES COMMISSION OF ANY STATE IN RELIANCE UPON AN EXEMPTION FROM REGISTRATION UNDER THE SECURITIES ACT OF 1933 (THE ?SECURITIES ACT?), AND, ACCORDINGLY, MAY NOT BE OFFERED OR SOLD EXCEPT PURSUANT TO AN EFFECTIVE REGISTRATION STATEM

February 17, 2021 8-K

Entry into a Material Definitive Agreement, Unregistered Sales of Equity Securities, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): February 16, 2021 Innovative Payment Solutions, Inc. (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-55648 33-1230229 (Com

February 3, 2021 EX-10.2

Form of Registration Rights Agreement (Incorporated by reference to Exhibit 10.2 to the Current Report on Form 8-K (File No. 000-55648) filed with the Securities and Exchange Commission on February 3, 2021)

EX-10.2 5 ea134576ex10-2innovative.htm FORM OF REGISTRATION RIGHTS AGREEMENT Exhibit 10.2 REGISTRATION RIGHTS AGREEMENT This Registration Rights Agreement (this “Agreement”) is made and entered into as of February 3, 2021 between Innovative Payment Solutions, Inc. a Nevada corporation (the “Company”) and (“Purchaser”). WHEREAS, the Company and the Purchaser are parties to that certain Securities P

February 3, 2021 EX-4.1

Form of 12.5% Original Issue Discount Convertible Note

EX-4.1 2 ea134576ex4-1innovative.htm FORM OF 12.5% ORIGINAL ISSUE DISCOUNT CONVERTIBLE NOTE Exhibit 4.1 NEITHER THIS SECURITY NOR THE SECURITIES INTO WHICH THIS SECURITY IS CONVERTIBLE HAVE BEEN REGISTERED WITH THE SECURITIES AND EXCHANGE COMMISSION OR THE SECURITIES COMMISSION OF ANY STATE IN RELIANCE UPON AN EXEMPTION FROM REGISTRATION UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE “SECURITIE

February 3, 2021 8-K

Entry into a Material Definitive Agreement, Unregistered Sales of Equity Securities, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): February 3, 2021 Innovative Payment Solutions, Inc. (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-55648 33-1230229 (Comm

February 3, 2021 EX-10.1

Form of Securities Purchase Agreement (Incorporated by reference to Exhibit 10.1 to the Current Report on Form 8-K (File No. 000-55648) filed with the Securities and Exchange Commission on February 3, 2021)

EX-10.1 4 ea134576ex10-1innovative.htm FORM OF SECURITIES PURCHASE AGREEMENT Exhibit 10.1 SECURITIES PURCHASE AGREEMENT This Securities Purchase Agreement (this “Agreement”) is dated as of February 3, 2021, by and between Innovative Payment Solutions, Inc., a Nevada corporation (the “Company”), and each lender party that executes the signature page hereto as a purchaser (each, a “Purchaser” and co

February 3, 2021 EX-4.2

Form of Warrant (Incorporated by reference to Exhibit 4.2 to the Current Report on Form 8-K (File No. 000-55648) filed with the Securities and Exchange Commission on February 3, 2021)

Exhibit 4.2 NEITHER THIS SECURITY NOR THE SECURITIES FOR WHICH THIS SECURITY IS EXERCISABLE HAVE BEEN REGISTERED WITH THE SECURITIES AND EXCHANGE COMMISSION OR THE SECURITIES COMMISSION OF ANY STATE IN RELIANCE UPON AN EXEMPTION FROM REGISTRATION UNDER THE SECURITIES ACT OF 1933 (THE “SECURITIES ACT”), AND, ACCORDINGLY, MAY NOT BE OFFERED OR SOLD EXCEPT PURSUANT TO AN EFFECTIVE REGISTRATION STATEM

December 18, 2020 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

8-K 1 ea131927-8kinnovative.htm CURRENT REPORT UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): December 18, 2020 Innovative Payment Solutions, Inc. (Exact name of registrant as specified in charter) Nevada (State or other jurisdict

December 16, 2020 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant - FORM 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): December 10, 2020 Innovative Payment Solutions, Inc. (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-55648 33-1230229 (Com

December 16, 2020 EX-10.1

Amendment, dated December 14, 2020, to the Executive Employment Agreement between Innovative Payment Solutions, Inc. and William Corbett (Incorporated by reference to Exhibit 10.1 to the Current Report on Form 8-K (File No. 000-55648) filed with the Securities and Exchange Commission on December 16, 2020)

Exhibit 10.1 AMENDMENT TO EMPLOYMENT AGREEMENT This Amendment, dated December 14, 2020 (this “Amendment”), to the Employment Agreement, dated June 24, 2020 (the “Agreement”), is entered into by and between Innovative Payment Solutions, Inc. (the “Corporation”) and William Corbett (the “Executive” and together with the Corporation, the “Parties”). Capitalized terms used herein without definition sh

December 16, 2020 EX-10.2

Amendment, dated December 14, 2020, to the Employment Agreement between Innovative Payment Solutions, Inc. and Andrey Novikov (Incorporated by reference to Exhibit 10.2 to the Current Report on Form 8-K (File No. 000-55648) filed with the Securities and Exchange Commission on December 16, 2020)

Exhibit 10.2 AMENDMENT TO EMPLOYMENT AGREEMENT This Amendment, dated December 14, 2020 (this “Amendment”), to the Employment Agreement, dated December 3, 2019 (the “Agreement”), is entered into by and between Innovative Payment Solutions, Inc. (the “Corporation”) and Andrey Novikov (the “Executive” and together with the Corporation, the “Parties”). Capitalized terms used herein without definition

December 8, 2020 424B3

69,396,005 Shares of Common Stock

424B3 1 ea131200-424b3innovative.htm PROSPECTUS Filed Pursuant to Rule 424(b)(3) File No. 333-250132 PROSPECTUS 69,396,005 Shares of Common Stock This prospectus relates to the offering and resale by the selling stockholders (the “Selling Stockholders”) identified herein of up to 69,396,005 shares (the “Shares”) of the common stock, par value $0.0001 (the “common stock”) of Innovative Payment Solu

December 3, 2020 CORRESP

-

19355 Business Center Drive, #9 Northridge, California 91324 (818) 864-8404 December 3, 2020 VIA EDGAR United States Securities and Exchange Commission Division of Corporation Finance 100 F Street, N.

December 2, 2020 S-1/A

- AMENDMENT NO. 1 TO FORM S-1

As filed with the Securities and Exchange Commission on December 2, 2020 Registration No.

December 1, 2020 EX-10.2

Registration Rights Agreement, between Innovative Payment Solutions, Inc. and Bellridge Capital, LP, dated November 25, 2020

Exhibit 10.2 REGISTRATION RIGHTS AGREEMENT This Registration Rights Agreement (this “Agreement”) is made and entered into as of November 25, 2020 between Innovative Payment Solutions, Inc. a Nevada corporation (the “Company”) and Bellridge Capital, LP. (“Purchaser”). WHEREAS, the Company and the Purchaser are parties to that certain Securities Purchase Agreement, dated as of the date of this Agree

December 1, 2020 EX-4.1

Form of Original Issue Discount 10% Convertible Note

Exhibit 4.1 NEITHER THIS SECURITY NOR THE SECURITIES INTO WHICH THIS SECURITY IS CONVERTIBLE HAVE BEEN REGISTERED WITH THE SECURITIES AND EXCHANGE COMMISSION OR THE SECURITIES COMMISSION OF ANY STATE IN RELIANCE UPON AN EXEMPTION FROM REGISTRATION UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE “SECURITIES ACT”), AND, ACCORDINGLY, MAY NOT BE OFFERED OR SOLD EXCEPT PURSUANT TO AN EFFECTIVE REGIST

December 1, 2020 8-K

Entry into a Material Definitive Agreement, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant, Unregistered Sales of Equity Securities, Unregistered Sales of Equity Securities, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): November 25, 2020 Innovative Payment Solutions, Inc. (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-55648 33-1230229 (Com

December 1, 2020 EX-4.2

Warrant Agreement, dated November 25, 2020

Exhibit 4.2 NEITHER THIS SECURITY NOR THE SECURITIES FOR WHICH THIS SECURITY IS EXERCISABLE HAVE BEEN REGISTERED WITH THE SECURITIES AND EXCHANGE COMMISSION OR THE SECURITIES COMMISSION OF ANY STATE IN RELIANCE UPON AN EXEMPTION FROM REGISTRATION UNDER THE SECURITIES ACT OF 1933 (THE “SECURITIES ACT”), AND, ACCORDINGLY, MAY NOT BE OFFERED OR SOLD EXCEPT PURSUANT TO AN EFFECTIVE REGISTRATION STATEM

December 1, 2020 EX-10.1

Securities Purchase Agreement, between Innovative Payment Solutions, Inc. and Bellridge Capital, LP, dated November 25, 2020

Exhibit 10.1 SECURITIES PURCHASE AGREEMENT This Securities Purchase Agreement (this “Agreement”) is dated as of November 25, 2020, by and between Innovative Payment Solutions, Inc., a Nevada corporation (the “Company”), and each lender party that executes the signature page hereto as a purchaser (each, a “Purchaser” and collectively, the “Purchasers”). WHEREAS, subject to the terms and conditions

November 16, 2020 EX-21

List of Subsidiaries (Incorporated by reference to Exhibit 21 to the Annual Report on Form 10-K (File No. 000-55648) filed with the Securities and Exchange Commission on March 31, 2021)

Exhibit 21 List of Subsidiaries None

November 16, 2020 EX-4.35

Form of Original Issue Discount 10% Convertible Note issued to Mark Geist.*

Exhibit 4.35 NEITHER THIS SECURITY NOR THE SECURITIES INTO WHICH THIS SECURITY IS CONVERTIBLE HAVE BEEN REGISTERED WITH THE SECURITIES AND EXCHANGE COMMISSION OR THE SECURITIES COMMISSION OF ANY STATE IN RELIANCE UPON AN EXEMPTION FROM REGISTRATION UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE “SECURITIES ACT”), AND, ACCORDINGLY, MAY NOT BE OFFERED OR SOLD EXCEPT PURSUANT TO AN EFFECTIVE REGIS

November 16, 2020 S-1

Registration Statement - REGISTRATION STATEMENT

As filed with the Securities and Exchange Commission on November 16, 2020 Registration No.

November 16, 2020 EX-10.52

Securities Purchase Agreement dated October 20, 2020 between Innovative Payment Solutions, Inc. and Mark Geist. *

Exhibit 10.52 SECURITIES PURCHASE AGREEMENT This Securities Purchase Agreement (this “Agreement”) is dated as of October 20, 2020, by and between Innovative Payment Solutions, Inc., a Nevada corporation (the “Company”), and each lender party that executes the signature page hereto as a purchaser (each, a “Purchaser” and collectively, the “Purchasers”). WHEREAS, subject to the terms and conditions

November 16, 2020 EX-99.1

Assignment and Transfer Agreement by and between Pinz Capital Special Opportunities Fund, L.P. and Cavalry Fund I LP, dated October 20, 2020 (Incorporated by reference to Exhibit 99.1 to the Registration Statement on Form S-1 (File No. 333-250132) filed with the Securities and Exchange Commission on November 16, 2020)

Exhibit 99.1 Assignment and Transfer Pinz Capital Special Opportunities Fund, LP. (“Pinz”) hereby assigns and transfers to Cavalry Fund I LP all of its rights and obligations under that certain Secured Convertible Note, dated August 5, 2020, in the principal amount of $100,000 (the “Note”) issued by Innovative Payment Systems, Inc. (“IPSI”), that certain Warrant, dated August 5 , 2020, to purchase

November 16, 2020 EX-4.36

Warrant issued to Mark Geist dated October 20, 2020.*

Exhibit 4.36 NEITHER THIS SECURITY NOR THE SECURITIES FOR WHICH THIS SECURITY IS EXERCISABLE HAVE BEEN REGISTERED WITH THE SECURITIES AND EXCHANGE COMMISSION OR THE SECURITIES COMMISSION OF ANY STATE IN RELIANCE UPON AN EXEMPTION FROM REGISTRATION UNDER THE SECURITIES ACT OF 1933 (THE “SECURITIES ACT”), AND, ACCORDINGLY, MAY NOT BE OFFERED OR SOLD EXCEPT PURSUANT TO AN EFFECTIVE REGISTRATION STATE

November 16, 2020 EX-10.53

Registration Rights Agreement, dated October 20, 2020 between Innovative Payment Solutions, Inc. and Mark Geist.*

Exhibit 10.53 REGISTRATION RIGHTS AGREEMENT This Registration Rights Agreement (this “Agreement”) is made and entered into as of October 20, 2020 between Innovative Payment Solutions, Inc. a Nevada corporation (the “Company”) and Mark Geist (“Purchaser”). WHEREAS, the Company and the Purchaser are parties to that certain Securities Purchase Agreement, dated as of the date of this Agreement (the “P

November 16, 2020 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2020 ☐ TRANSITION REPORT PURSUANT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2020 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 333-192877 INNOVATIVE PAYME

September 30, 2020 EX-10.2

Registration Rights Agreement between Innovative Payment Solutions, Inc. and Cavalry Fund I LP, dated September 24, 2020 (incorporated by reference to Exhibit 10.2 to the Current Report on form 8-K filed with the Securities and Exchange Commission on September 30, 2020).

Exhibit 10.2 REGISTRATION RIGHTS AGREEMENT This Registration Rights Agreement (this “Agreement”) is made and entered into as of September 24, 2020 between Innovative Payment Solutions, Inc. a Nevada corporation (the “Company”) and Cavalry Fund I LP (“Purchaser”). WHEREAS, the Company and the Purchaser are parties to that certain Securities Purchase Agreement, dated as of the date of this Agreement

September 30, 2020 EX-4.2

Form of Warrant Agreement, dated September 24, 2020 (incorporated by reference to Exhibit 4.2 to the Current Report on form 8-K filed with the Securities and Exchange Commission on September 30, 2020).

EX-4.2 3 ea127534ex4-2innovative.htm WARRANT AGREEMENT, DATED SEPTEMBER 24, 2020 Exhibit 4.2 NEITHER THIS SECURITY NOR THE SECURITIES FOR WHICH THIS SECURITY IS EXERCISABLE HAVE BEEN REGISTERED WITH THE SECURITIES AND EXCHANGE COMMISSION OR THE SECURITIES COMMISSION OF ANY STATE IN RELIANCE UPON AN EXEMPTION FROM REGISTRATION UNDER THE SECURITIES ACT OF 1933 (THE “SECURITIES ACT”), AND, ACCORDINGL

September 30, 2020 EX-4.1

Form of Original Issue Discount 10% Convertible Note (incorporated by reference to Exhibit 4.1 to the Current Report on form 8-K filed with the Securities and Exchange Commission on September 30, 2020).

Exhibit 4.1 NEITHER THIS SECURITY NOR THE SECURITIES INTO WHICH THIS SECURITY IS CONVERTIBLE HAVE BEEN REGISTERED WITH THE SECURITIES AND EXCHANGE COMMISSION OR THE SECURITIES COMMISSION OF ANY STATE IN RELIANCE UPON AN EXEMPTION FROM REGISTRATION UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE “SECURITIES ACT”), AND, ACCORDINGLY, MAY NOT BE OFFERED OR SOLD EXCEPT PURSUANT TO AN EFFECTIVE REGIST

September 30, 2020 EX-10.1

Securities Purchase Agreement between Innovative Payment Solutions, Inc. and Cavalry Fund I LP, dated September 24, 2020 (incorporated by reference to Exhibit 10.1 to the Current Report on form 8-K filed with the Securities and Exchange Commission on September 30, 2020).

Exhibit 10.1 SECURITIES PURCHASE AGREEMENT This Securities Purchase Agreement (this “Agreement”) is dated as of September 24, 2020, by and between Innovative Payment Solutions, Inc., a Nevada corporation (the “Company”), and each lender party that executes the signature page hereto as a purchaser (each, a “Purchaser” and collectively, the “Purchasers”). WHEREAS, subject to the terms and conditions

September 30, 2020 8-K

Entry into a Material Definitive Agreement, Unregistered Sales of Equity Securities, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant - CURRENT REPORT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): September 24, 2020 Innovative Payment Solutions, Inc. (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-55648 33-1230229 (Co

September 21, 2020 EX-10.1

Securities Purchase Agreement, between Innovative Payment Solutions, Inc. and Iroquois Master Fund Ltd., dated September 16, 2020 (incorporated by reference to Exhibit 10.1 to the Current Report on Form 8-K (File No. 000-55648) filed with the Securities and Exchange Commission on September 21, 2020)

Exhibit 10.1 SECURITIES PURCHASE AGREEMENT This Securities Purchase Agreement (this “Agreement”) is dated as of September 16, 2020, by and between Innovative Payment Solutions, Inc., a Nevada corporation (the “Company”), and each lender party that executes the signature page hereto as a purchaser (each, a “Purchaser” and collectively, the “Purchasers”). WHEREAS, subject to the terms and conditions

September 21, 2020 EX-10.2

Registration Rights Agreement, between Innovative Payment Solutions, Inc. and Iroquois Master Fund Ltd., dated September 16, 2020 (incorporated by reference to the Form 8-K filed with the Securities and Exchange Commission on September 21, 2020 (File No. 000-55648)

Exhibit 10.2 REGISTRATION RIGHTS AGREEMENT This Registration Rights Agreement (this “Agreement”) is made and entered into as of September 16, 2020 between Innovative Payment Solutions, Inc. a Nevada corporation (the “Company”) and Iroquois Master Fund Ltd.. (“Purchaser”). WHEREAS, the Company and the Purchaser are parties to that certain Securities Purchase Agreement, dated as of the date of this

September 21, 2020 EX-4.2

Warrant Agreement, dated September 16, 2020 (incorporated by reference to the Form 8-K filed with the Securities and Exchange Commission on September 21, 2020 (File No. 000-55648)

EX-4.2 3 ea127160ex4-2innovative.htm WARRANT AGREEMENT, DATED SEPTEMBER 16, 2020 Exhibit 4.2 NEITHER THIS SECURITY NOR THE SECURITIES FOR WHICH THIS SECURITY IS EXERCISABLE HAVE BEEN REGISTERED WITH THE SECURITIES AND EXCHANGE COMMISSION OR THE SECURITIES COMMISSION OF ANY STATE IN RELIANCE UPON AN EXEMPTION FROM REGISTRATION UNDER THE SECURITIES ACT OF 1933 (THE “SECURITIES ACT”), AND, ACCORDINGL

September 21, 2020 EX-4.1

Form of 10% Original Issue Discount Convertible Note (incorporated by reference to the Form 8-K filed with the Securities and Exchange Commission on September 21, 2020 (File No. 000-55648)

Exhibit 4.1 NEITHER THIS SECURITY NOR THE SECURITIES INTO WHICH THIS SECURITY IS CONVERTIBLE HAVE BEEN REGISTERED WITH THE SECURITIES AND EXCHANGE COMMISSION OR THE SECURITIES COMMISSION OF ANY STATE IN RELIANCE UPON AN EXEMPTION FROM REGISTRATION UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE “SECURITIES ACT”), AND, ACCORDINGLY, MAY NOT BE OFFERED OR SOLD EXCEPT PURSUANT TO AN EFFECTIVE REGIST

September 21, 2020 8-K

Entry into a Material Definitive Agreement, Unregistered Sales of Equity Securities, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant - CURRENT REPORT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): September 16, 2020 Innovative Payment Solutions, Inc. (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-55648 33-1230229 (Co

September 8, 2020 EX-99.1

Innovative Payment Solutions, Inc. investor presentation dated September 8, 2020

Exhibit 99.1

September 8, 2020 8-K

Regulation FD Disclosure, Financial Statements and Exhibits - CURRENT REPORT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): September 8, 2020 Innovative Payment Solutions, Inc. (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-55648 33-1230229 (Com

August 14, 2020 10-Q

Quarterly Report - QUARTERLY REPORT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2020 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 333-192877 INNOVATIVE PAYMENT SO

August 6, 2020 8-K

Entry into a Material Definitive Agreement, Unregistered Sales of Equity Securities, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant, Financial Statements and Exhibits

8-K 1 ea125125-8kinnovativepay.htm CURRENT REPORT UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): July 31, 2020 Innovative Payment Solutions, Inc. (Exact name of registrant as specified in charter) Nevada (State or other jurisdicti

August 6, 2020 EX-10.6

Registration Rights Agreement, between Innovative Payment Solutions, Inc. and Pinz Capital Special Opportunities Fund, LP., dated August 5, 2020 (incorporated by reference to Exhibit 10.6 to Current Report on the Form 8-K (File No. 000-55648) filed with the Securities and Exchange Commission on August 6, 2020)

Exhibit 10.6 REGISTRATION RIGHTS AGREEMENT This Registration Rights Agreement (this “Agreement”) is made and entered into as of August 5, 2020 between Innovative Payment Solutions, Inc. a Nevada corporation (the “Company”) and each of the several purchasers as listed in Exhibit A of the Purchase Agreement (each such purchaser, a “Purchaser” and, collectively, the “Purchasers”). WHEREAS, the Compan

August 6, 2020 EX-4.2

Warrant issued to Cavalry Fund I LP, dated July 31, 2020 (incorporated by reference to the Form 8-K filed with the Securities and Exchange Commission on August 6, 2020 (File No. 000-55648)

EX-4.2 2 ea125125ex4-2innovative.htm WARRANT ISSUED TO CAVALRY FUND I LP, DATED JULY 31, 2020 Exhibit 4.2 NEITHER THIS SECURITY NOR THE SECURITIES FOR WHICH THIS SECURITY IS EXERCISABLE HAVE BEEN REGISTERED WITH THE SECURITIES AND EXCHANGE COMMISSION OR THE SECURITIES COMMISSION OF ANY STATE IN RELIANCE UPON AN EXEMPTION FROM REGISTRATION UNDER THE SECURITIES ACT OF 1933 (THE “SECURITIES ACT”), AN

August 6, 2020 EX-10.4

Amended and Restated Security Agreement, between Innovative Payment Solutions, Inc. and Cavalry Fund I LP, as collateral agent, dated August 3, 2020 (incorporated by reference to Exhibit 10.4 to the Current Report on Form 8-K (File No. 000-55648) filed with the Securities and Exchange Commission on August 6, 2020)

Exhibit 10.4 AMENDED AND RESTATED SECURITY AGREEMENT THIS AMENDED AND RESTATED SECURITY AGREEMENT (as amended, restated, supplemented or otherwise modified from time to time, this “Agreement”) dated as of August 3, 2020 between Innovative Payment Solutions, Inc., a Nevada corporation, (the “Company”) and all wholly-owned or majority-owned subsidiaries of the Company (together with each other Perso

August 6, 2020 EX-4.4

Warrant issued to Pinz Capital Special Opportunities Fund, LP., dated August 5, 2020 (incorporated by reference to Exhibit 4.4 to the Current Report on Form 8-K (File No. 000-55648) filed with the Securities and Exchange Commission on August 6, 2020)

Exhibit 4.4 NEITHER THIS SECURITY NOR THE SECURITIES FOR WHICH THIS SECURITY IS EXERCISABLE HAVE BEEN REGISTERED WITH THE SECURITIES AND EXCHANGE COMMISSION OR THE SECURITIES COMMISSION OF ANY STATE IN RELIANCE UPON AN EXEMPTION FROM REGISTRATION UNDER THE SECURITIES ACT OF 1933 (THE “SECURITIES ACT”), AND, ACCORDINGLY, MAY NOT BE OFFERED OR SOLD EXCEPT PURSUANT TO AN EFFECTIVE REGISTRATION STATEM

August 6, 2020 EX-10.3

Securities Purchase Agreement, between Innovative Payment Solutions, Inc. and Pinz Capital Special Opportunities Fund, LP., dated August 5, 2020 (incorporated by reference to Exhibit 10.3 to the Current Report on Form 8-K (File No. 000-55648) filed with the Securities and Exchange Commission on August 6, 2020)

EX-10.3 6 ea125125ex10-3innovative.htm SECURITIES PURCHASE AGREEMENT, BETWEEN INNOVATIVE PAYMENT SOLUTIONS, INC. AND PINZ CAPITAL SPECIAL OPPORTUNITIES FUND, LP., DATED AUGUST 5, 2020 Exhibit 10.3 SECURITIES PURCHASE AGREEMENT This Securities Purchase Agreement (this “Agreement”) is dated as of August 5, 2020, by and between Innovative Payment Solutions, Inc., a Nevada corporation (the “Company”),

August 6, 2020 EX-10.2

Securities Purchase Agreement, between Innovative Payment Solutions, Inc. and Mercer Street Global Opportunity Fund, LLC, dated August 3, 2020 (incorporated by reference to the Form 8-K filed with the Securities and Exchange Commission on August 6, 2020 (File No. 000-55648)

Exhibit 10.2 SECURITIES PURCHASE AGREEMENT This Securities Purchase Agreement (this “Agreement”) is dated as of August 3, 2020, by and between Innovative Payment Solutions, Inc., a Nevada corporation (the “Company”), and each lender party that executes the signature page hereto as a purchaser (each, a “Purchaser” and collectively, the “Purchasers”). WHEREAS, subject to the terms and conditions set

August 6, 2020 EX-4.3

Warrant issued to Mercer Street Global Opportunity Fund, LLC, dated August 3, 2020 (incorporated by reference to the Form 8-K filed with the Securities and Exchange Commission on August 6, 2020 (File No. 000-55648)

Exhibit 4.3 NEITHER THIS SECURITY NOR THE SECURITIES FOR WHICH THIS SECURITY IS EXERCISABLE HAVE BEEN REGISTERED WITH THE SECURITIES AND EXCHANGE COMMISSION OR THE SECURITIES COMMISSION OF ANY STATE IN RELIANCE UPON AN EXEMPTION FROM REGISTRATION UNDER THE SECURITIES ACT OF 1933 (THE “SECURITIES ACT”), AND, ACCORDINGLY, MAY NOT BE OFFERED OR SOLD EXCEPT PURSUANT TO AN EFFECTIVE REGISTRATION STATEM

August 6, 2020 EX-10.5

Registration Rights Agreement, between Innovative Payment Solutions, Inc. and Mercer Street Global Opportunity Fund, LLC, dated August 3, 2020 (incorporated by reference to Exhibit 10.5 to the Current Report on Form 8-K (File No. 000-55648) filed with the Securities and Exchange Commission on August 6, 2020)

EX-10.5 8 ea125125ex10-5innovative.htm REGISTRATION RIGHTS AGREEMENT, BETWEEN INNOVATIVE PAYMENT SOLUTIONS, INC. AND MERCER STREET GLOBAL OPPORTUNITY FUND, LLC, DATED AUGUST 3, 2020 Exhibit 10.5 REGISTRATION RIGHTS AGREEMENT This Registration Rights Agreement (this “Agreement”) is made and entered into as of August 3, 2020 between Innovative Payment Solutions, Inc. a Nevada corporation (the “Compa

July 30, 2020 424B3

34,285,712 Shares of Common Stock

424B3 1 ea124714-424b3innovativepay.htm PROSPECTUS Filed Pursuant to Rule 424(b)(3) File No. 333-239906 PROSPECTUS 34,285,712 Shares of Common Stock This prospectus relates to the offering and resale by a certain selling stockholder identified herein of up to 34,285,712 shares (the “Shares”) of the common stock, par value $0.0001 of Innovative Payment Solutions, Inc. (“IPSI,” the “Company,” “we,”

July 27, 2020 CORRESP

-

19355 Business Center Drive, #9 Northridge, California 91324 (818) 864-8404 July 27, 2020 VIA EDGAR United States Securities and Exchange Commission Division of Corporation Finance 100 F Street, N.

July 17, 2020 EX-21

List of Subsidiaries **

Exhibit 21 List of Subsidiaries None

July 17, 2020 S-1

Registration Statement - REGISTRATION STATEMENT

As filed with the Securities and Exchange Commission on July 17, 2020 Registration No.

July 2, 2020 8-K

Entry into a Material Definitive Agreement, Unregistered Sales of Equity Securities, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): June 30, 2020 Innovative Payment Solutions, Inc. (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-55648 33-1230229 (Commiss

July 2, 2020 EX-10.2

Security Agreement, between Innovative Payment Solutions, Inc. and Cavalry Fund I LP, dated June 30, 2020 (Incorporated by reference to Exhibit 10.2 to the Registrant’s Form 8- K (File No. 000-55648) filed with the Securities and Exchange Commission on July 2, 2020)

EX-10.2 5 ea123724ex10-2innovative.htm SECURITY AGREEMENT, BETWEEN INNOVATIVE PAYMENT SOLUTIONS, INC. AND CAVALRY FUND I LP, DATED JUNE 30, 2020 Exhibit 10.2 SECURITY AGREEMENT THIS SECURITY AGREEMENT (as amended, restated, supplemented or otherwise modified from time to time, this “Agreement”) dated as of June 30, 2020 between Innovative Payment Solutions, Inc., a Nevada corporation, (the “Compan

July 2, 2020 10-Q

Quarterly Report - QUARTERLY REPORT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2020 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 333-192877 INNOVATIVE PAYMENT S

July 2, 2020 EX-10.3

Registration Rights Agreement, between Innovative Payment Solutions, Inc. and Cavalry Fund I LP, dated June 30, 2020 (Incorporated by reference to Exhibit 10.2 to the Registrant’s Form 8- K (File No. 000-55648) filed with the Securities and Exchange Commission on July 2, 2020)

Exhibit 10.3 REGISTRATION RIGHTS AGREEMENT This Registration Rights Agreement (this “Agreement”) is made and entered into as of June 30, 2020 between Innovative Payment Solutions, Inc. a Nevada corporation (the “Company”) and each of the several purchasers as listed in Exhibit A of the Purchase Agreement (each such purchaser, a “Purchaser” and, collectively, the “Purchasers”). WHEREAS, the Company

July 2, 2020 EX-10.1

Securities Purchase Agreement, between Innovative Payment Solutions, Inc. and Cavalry Fund I LP, dated June 30, 2020 (Incorporated by reference to Exhibit 10.1 to the Registrant’s Form 8- K (File No. 000-55648) filed with the Securities and Exchange Commission on July 2, 2020)

Exhibit 10.1 SECURITIES PURCHASE AGREEMENT This Securities Purchase Agreement (this “Agreement”) is dated as of June 30, 2020, by and between Innovative Payment Solutions, Inc., a Nevada corporation (the “Company”), and each lender party that executes the signature page hereto as a purchaser (each, a “Purchaser” and collectively, the “Purchasers”). WHEREAS, subject to the terms and conditions set

July 2, 2020 EX-4.2

Warrant Agreement, dated June 30, 2020 (Incorporated by reference to Exhibit 4.1 to the Registrant’s Form 8-K (File No. 000-55648) filed with the Securities and Exchange Commission on July 2, 2020)

Exhibit 4.2 NEITHER THIS SECURITY NOR THE SECURITIES FOR WHICH THIS SECURITY IS EXERCISABLE HAVE BEEN REGISTERED WITH THE SECURITIES AND EXCHANGE COMMISSION OR THE SECURITIES COMMISSION OF ANY STATE IN RELIANCE UPON AN EXEMPTION FROM REGISTRATION UNDER THE SECURITIES ACT OF 1933 (THE “SECURITIES ACT”), AND, ACCORDINGLY, MAY NOT BE OFFERED OR SOLD EXCEPT PURSUANT TO AN EFFECTIVE REGISTRATION STATEM

July 2, 2020 EX-31..1

Certification of William Corbett, Chief Executive Officer and Interim Chief Financial Officer pursuant to Rule 13a-14(a) and 15d-14(a) of the Securities Exchange Act of 1934, as adopted pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

Exhibit 31..1 CERTIFICATION PURSUANT TO RULE 13a-14 OR RULE 15d-14 OF THE SECURITIES EXCHANGE ACT OF 1934, AS ADOPTED PURSUANT TO SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002 I, William Corbett, certify that: 1. I have reviewed this Quarterly Report on Form 10-Q for the quarter ended March 31, 2020 of Innovative Payment Solutions, Inc; 2. Based on my knowledge, this report does not contain any un

July 2, 2020 EX-4.1

Form of 10% Original Issue Discount Senior Secured Convertible Note (Incorporated by reference to Exhibit 4.1 to the Registrant’s Form 8-K (File No. 000-55648) filed with the Securities and Exchange Commission on July 2, 2020)

Exhibit 4.1 NEITHER THIS SECURITY NOR THE SECURITIES INTO WHICH THIS SECURITY IS CONVERTIBLE HAVE BEEN REGISTERED WITH THE SECURITIES AND EXCHANGE COMMISSION OR THE SECURITIES COMMISSION OF ANY STATE IN RELIANCE UPON AN EXEMPTION FROM REGISTRATION UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE “SECURITIES ACT”), AND, ACCORDINGLY, MAY NOT BE OFFERED OR SOLD EXCEPT PURSUANT TO AN EFFECTIVE REGIST

June 30, 2020 NT 10-Q

- NOTIFICATION OF LATE FILING

NT 10-Q 1 ea123636-nt10qinnovativepay.htm NOTIFICATION OF LATE FILING U.S. SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 12B-25 COMMISSION FILE NUMBER: 000-55648 NOTIFICATION OF LATE FILING Check One: ☐ Form 10-K ☐ Form 20-F ☐ Form 11-K ☒ Form 10-Q ☐ Form 10-D ☐ Form N-SAR ☐ Form N-CSR For Period Ended: March 31, 2020 o Transition Report on Form 10-K o Transition Report on Form 20

June 29, 2020 EX-10.2

Restricted Stock Agreement between Innovative Payment Solutions, Inc. and William Corbett, effective June 24, 2020 (Incorporated by reference to Exhibit 10.2 to the Current Report on Form 8-K (File No. 000-55648) filed with the Securities and Exchange Commission on June 29, 2020)

Exhibit 10.2 RESTRICTED STOCK AGREEMENT [Innovative Payment Solutions, Inc.] This RESTRICTED STOCK AGREEMENT (“Agreement”), dated and made effective as of June 24, 2020 (the “Effective Date”), is entered into by and between INNOVATIVE PAYMENT SOLUTIONS, INC., a corporation organized and existing under the laws of the State of Nevada (USA), having offices at 19355 Business Center Drive, Northridge,

June 29, 2020 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Unregistered Sales of Equity Securities, Financial Statements and Exhibits

8-K 1 ea123587-8kinnovativepay.htm CURRENT REPORT UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): June 24, 2020 Innovative Payment Solutions, Inc. (Exact name of registrant as specified in charter) Nevada (State or other jurisdicti

June 29, 2020 EX-10.3

Indemnification Agreement between Innovative Payment Solutions, Inc. and William Corbett, effective June 24, 2020 (Incorporated by reference to Exhibit 10.3 to the Current Report on Form 8-K (File No. 000-55648) filed with the Securities and Exchange Commission on June 29, 2020)

Exhibit 10.3 INDEMNIFICATION AGREEMENT [Innovative Payment Solutions, Inc.] This INDEMNIFICATION AGREEMENT (“Agreement”), dated and made effective as of June 24, 2020, is entered into by and between INNOVATIVE PAYMENT SOLUTIONS, INC., a corporation organized and existing under the laws of the State of Nevada, having offices at 19355 Business Center Drive, Northridge, CA 91324 (“Company”), and WILL

June 29, 2020 EX-10.1

Executive Employment Agreement between Innovative Payment Solutions, Inc. and William Corbett, effective June 24, 2020 (Incorporated by reference to Exhibit 10.1 to the Current Report on Form 8- K (File No. 000-55648) filed with the Securities and Exchange Commission on June 29, 2020)

Exhibit 10.1 EXECUTIVE EMPLOYMENT AGREEMENT between INNOVATIVE PAYMENT SOLUTIONS, INC. and WILLIAM CORBETT June 24, 2020 Page 1 of 18 EXECUTIVE EMPLOYMENT AGREEMENT [Innovative Payment Solutions, Inc.] This EXECUTIVE EMPLOYMENT AGREEMENT (“Agreement”), dated and made effective as of June 24, 2020 (the “Effective Date”), is entered into by and between INNOVATIVE PAYMENT SOLUTIONS, INC., a corporati

May 19, 2020 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): May 18, 2020 Innovative Payment Solutions, Inc. (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-55648 33-1230229 (Commissi

May 19, 2020 EX-99.1

Inn o vat e . Pay. Sol ve. Innovative Payment Forward Looking Statements Innovative Payment This presentation includes forward - looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 , as amended about our curr

Exhibit 99.1 Inn o vat e . Pay. Sol ve. Innovative Payment Forward Looking Statements Innovative Payment This presentation includes forward - looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 , as amended about our current expectations and projections about future events . In some cases forward - looking statements can be identified by terminology such a

May 15, 2020 8-K

Other Events

8-K 1 ea121912-8kinnovativepaymnt.htm CURRENT REPORT UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): May 15, 2020 Innovative Payment Solutions, Inc. (Exact name of registrant as specified in charter) Nevada (State or other jurisdic

May 14, 2020 10-K

Annual Report - ANNUAL REPORT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal period ended December 31, 2019 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 333 - 192877 INNOVATIVE PAYMENT SOLUTIONS, INC.

March 30, 2020 8-K

Other Events

8-K 1 ea120207-8kinnovativepay.htm CURRENT REPORT UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): March 30, 2020 Innovative Payment Solutions, Inc. (Exact name of registrant as specified in charter) Nevada (State or other jurisdict

March 24, 2020 8-K

Entry into a Material Definitive Agreement, Unregistered Sales of Equity Securities, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): March 18, 2020 Innovative Payment Solutions, Inc. (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-55648 33-1230229 (Commis

March 24, 2020 EX-10.1

Independent Director Services Agreement between Innovative Payment Solutions, Inc. and James Fuller, dated March 18, 2020 (incorporated by reference to Exhibit 10.1 to the Current Report on Form 8-K filed with the Securities and Exchange Commission on March 24, 2020).

Exhibit 10.1 INDEPENDENT DIRECTOR AGREEMENT This INDEPENDENT DIRECTOR AGREEMENT (“Agreement”), dated and made effective as of March 18, 2020, is entered into by and between Innovative Payment Solutions, Inc, a Nevada Corporation (“Company”), and James W Fuller, an individual resident of the State of California (“Director”) (the parties hereto sometimes referred to individually as a “Party” or coll

January 31, 2020 SC 13G/A

QPAG / QPAGOS / Gibbs Jimmy I - SCHEDULE 13G/A Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment No.

January 7, 2020 EX-99.1

INNOVATIVE PAYMENT SOLUTIONS, INC (formerly QPAGOS) UNAUDITED PRO FORMA FINANCIAL INFORMATION

Exhibit 99.1 INNOVATIVE PAYMENT SOLUTIONS, INC (formerly QPAGOS) UNAUDITED PRO FORMA FINANCIAL INFORMATION The following unaudited pro forma condensed consolidated financial statements are based upon our historical consolidated statements, adjusted to give effect to the sale of our subsidiary Qpagos Corporation and its Mexican subsidiaries, Qpagos S.A.P.I de C.V. and Redpag Electronicos S.A.P.I de

January 7, 2020 EX-10.2

Promissory Note Dated as of December 31, 2019 (incorporated herein by reference to exhibit 10.1 to the current report on Form 8-K filed with the SEC on January 7, 2020 File No. 000-55648)

Exhibit 10.2 PROMISSORY NOTE Up to $130,000.00 Interest Rate: None December 31, 2019 WHEREAS, in connection with that certain Stock Purchase Agreement, dated as of August 5th, 2019 (the “Purchase Agreement”) by and between Innovative Payment Solutions, Inc., a Nevada corporation (the “Holder”) and ViVi Holdings, Inc., a Delaware corporation (“ViVi”), ViVi purchased all of the stock of Qpagos Corpo

January 7, 2020 8-K

Financial Statements and Exhibits, Completion of Acquisition or Disposition of Assets

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): December 31, 2019 Innovative Payment Solutions, Inc. (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-55648 33-1230229 (Com

December 11, 2019 EX-4.1

8% Promissory Note between the Company and Andrey Novikov dated December 9, 2019 (Incorporated by reference to Exhibit 4.1 to the Registrant’s Form 8-K (File No. 000-55648) filed with the Securities and Exchange Commission on December 11, 2019)

EX-4.1 2 f8k120919ex4-1innovative.htm 8% PROMISSORY NOTE BETWEEN THE COMPANY AND ANDREY NOVIKOV DATED DECEMBER 9, 2019 Exhibit 4.1 PROMISSORY NOTE $131,906.11 December 9, 2019 FOR VALUE RECEIVED, the undersigned (herein “Maker”), promises to pay to the order of Andrey Novikov(“Payee”), the principal sum of One Hundred Thirty One Thousand Nine Hundred Six and 11/100 Dollars (U.S. $131,906.11) on De

December 11, 2019 EX-10.1

Partial Settlement of Outstanding Balance Between the Company and Andrey Novikov (Incorporated by reference to Exhibit 10.1 to the Registrant’s Form 8- K (File No. 000-55648) filed with the Securities and Exchange Commission on December 11, 2019)

EX-10.1 3 f8k120919ex10-1innovative.htm PARTIAL SETTLEMENT OF OUTSTANDING BALANCE BETWEEN THE COMPANY AND ANDREY NOVIKOV DATED DECEMBER 9, 2019 Exhibit 10.1 SETTLEMENT AGREEMENT AND MUTUAL RELEASE OF CLAIMS This Settlement Agreement and Mutual Release (hereinafter “AGREEMENT”) is entered into on this, the 9th day of December, 2019, by, between, and among Innovative Payment Solutions, Inc, a Nevada

December 11, 2019 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): December 9, 2019 Innovative Payment Solutions, Inc. (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-55648 33-1230229 (Comm

December 6, 2019 EX-10.1

Employment Agreement By And Between The Company And Andrey Novikov (Incorporated by reference to Exhibit 10.1 to the Registrant’s Form 8- K (File No. 000-55648) filed with the Securities and Exchange Commission on December 6, 2019)

Exhibit 10.1 EMPLOYMENT AGREEMENT This EMPLOYMENT AGREEMENT (the “Agreement”) between Innovative Payment Solutions, Inc, a Nevada corporation (the “Company”), and Andrey Novikov (the “Executive”) is effective as of December 3rd, 2019 (the “Effective Date”). W I T N E S S E T H: WHEREAS, the Executive has served as the Chief Operating Officer and Secretary of the Company’s subsidiaries and the Comp

December 6, 2019 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Entry into a Material Definitive Agreement, Unregistered Sales of Equity Securities, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

8-K 1 f8k120319innovativepay.htm CURRENT REPORT UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): December 3, 2019 Innovative Payment Solutions, Inc. (Exact name of registrant as specified in charter) Nevada (State or other jurisdict

November 19, 2019 10-Q

QPAG / QPAGOS 10-Q - Quarterly Report - QUARTERLY REPORT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2019 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 333-192877 INNOVATIVE PAYME

November 15, 2019 NT 10-Q

QPAG / QPAGOS NT 10-Q - - NOTIFICATION OF LATE FILING

U.S. SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 12B-25 COMMISSION FILE NUMBER: 000-55648 NOTIFICATION OF LATE FILING Check One: o Form 10-K o Form 20-F o Form 11-K x Form 10-Q o Form 10-D o Form N-SAR o Form N-CSR For Period Ended: September 30, 2019 o Transition Report on Form 10-K o Transition Report on Form 20-F o Transition Report on Form 11-K o Transition Report on Form 10

November 2, 2019 8-K

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): November 1, 2019 Innovative Payment Solutions, Inc. (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-55648 33-1230229 (Comm

November 2, 2019 EX-3.1

Certificate of Amendment to the Articles of Incorporation of the Registrant (Name Change) (Incorporated by reference to Exhibit 3.1 to the Current Report on Form 8-K (File No. 000-55648) filed with the Securities and Exchange Commission on November 4, 2019)

Exhibit 3.1 BARBARA K. CEGAVSKE Secretary of State KIMBERLEY PERONDI Deputy Secretary for Commercial Recordings STATE OF NEVADA OFFICE OF THE SECRETARY OF STATE Commercial Recordings Division 202 N. Carson Street Carson City, NV 89701 Telephone (775) 684-5708 Fax (775) 684-7138 North Las Vegas City Hall 2250 Las Vegas Blvd North, Suite 400 North Las Vegas, NV 89030 Telephone (702) 486-2880 Fax (70

November 2, 2019 EX-3.2

Certificate of Change to the Articles of Incorporation of the Registrant (Reverse) (Incorporated by reference to Exhibit 3.2 to the Registrant’s Form 8-K (File No. 333-192877) filed with the Securities and Exchange Commission on November 4, 2019)

Exhibit 3.2 BARBARA K. CEGAVSKE Secretary of State KIMBERLEY PERONDI Deputy Secretary for Commercial Recordings STATE OF NEVADA OFFICE OF THE SECRETARY OF STATE Commercial Recordings Division 202 N. Carson Street Carson City, NV 89701 Telephone (775) 684-5708 Fax (775) 684-7138 North Las Vegas City Hall 2250 Las Vegas Blvd North, Suite 400 North Las Vegas, NV 89030 Telephone (702) 486-2880 Fax (70

October 4, 2019 DEF 14C

QPAG / QPAGOS DEF 14C - - DEFINITIVE INFORMATION STATEMENT

SCHEDULE 14C INFORMATION Information Statement Pursuant to Section 14(c) of the Securities Exchange Act of 1934 Check the appropriate box: ☐ Preliminary Information Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14c-5(d)(2)) ☒ Definitive Information Statement QPAGOS (Name of Registrant As Specified In Its Charter) Commission File Number: Payment of Filing Fee (Check

September 24, 2019 PRE 14C

QPAG / QPAGOS PRE 14C - - PRELIMINARY INFORMATION STATEMENT

SCHEDULE 14C INFORMATION Information Statement Pursuant to Section 14(c) of the Securities Exchange Act of 1934 Check the appropriate box: ☒ Preliminary Information Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14c-5(d)(2)) ☐ Definitive Information Statement QPAGOS (Name of Registrant As Specified In Its Charter) Commission File Number: Payment of Filing Fee (Check

August 19, 2019 10-Q

QPAG / QPAGOS 10-Q - Quarterly Report - QUARTERLY REPORT

10-Q 1 f10q0619qpagos.htm QUARTERLY REPORT UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2019 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission F

August 14, 2019 NT 10-Q

QPAG / QPAGOS NT 10-Q - - NOTIFICATION OF LATE FILING

U.S. SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 12B-25 COMMISSION FILE NUMBER: 000-55648 NOTIFICATION OF LATE FILING Check One: ☐ Form 10-K ☐ Form 20-F ☐ Form 11-K ☒ Form 10-Q ☐ Form 10-D ☐ Form N-SAR ☐ Form N-CSR For Period Ended: June 30, 2019 ☐ Transition Report on Form 10-K ☐ Transition Report on Form 20-F ☐ Transition Report on Form 11-K ☐ Transition Report on Form 10-Q ☐

August 8, 2019 EX-10.1

Stock Purchase Agreement Between the QPAGOS and Vivi Holdings, Inc. (Incorporated by reference to Exhibit 10.1 to the Registrant’s Form 8- K (File No. 000-55648) filed with the Securities and Exchange Commission on August 8, 2019)

Exhibit 10.1 STOCK PURCHASE AGREEMENT STOCK PURCHASE AGREEMENT (the “Agreement”) made as of this 5th day of August, 2019, by and between QPAGOS, a Nevada corporation (the “Seller”) and Vivi Holdings, Inc., a Delaware corporation (the “Buyer”). WITNESSETH: WHEREAS, the Seller owns one hundred percent (100%) of the outstanding common stock, $.001 par value (the “Shares”), of QPAGOS Corporation, a De

August 8, 2019 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Entry into a Material Definitive Agreement, Financial Statements and Exhibits

8-K 1 f8k080519qpagos.htm CURRENT REPORT UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): August 5, 2019 QPAGOS (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-55648 33-12

August 6, 2019 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

8-K 1 f8k080119qpagos.htm CURRENT REPORT UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): August 1, 2019 QPAGOS (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-55648 33-12

June 17, 2019 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): June 12, 2019 QPAGOS (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-55648 33-1230229 (Commission File Number) (IRS Employ

June 17, 2019 EX-10.1

Amendment to Employment Agreement by and between the Company and Gaston Pereira (Incorporated by reference to Exhibit 10.1 to the Registrant’s Form 8- K (File No. 000-55648) filed with the Securities and Exchange Commission on June 17, 2019)

Exhibit 10.1 AMENDMENT TO EMPLOYMENT AGREEMENT This Amendment, dated June 12, 2019 (this “Amendment”), to the Employment Agreement, dated May 1, 2015 (the “Agreement”), is entered into by and between QPAGOS Corporation (the “Corporation”) and Gaston Pereira (the “Executive”). Capitalized terms used herein without definition shall have the meanings assigned in the Agreement. WHEREAS, the parties de

June 17, 2019 EX-10.2

Amendment To Employment Agreement By And Between The Company And Andrey Novikov (Incorporated by reference to Exhibit 10.2 to the Registrant’s Form 8- K (File No. 000-55648) filed with the Securities and Exchange Commission on June 17, 2019)

Exhibit 10.2 AMENDMENT TO EMPLOYMENT AGREEMENT This Amendment, dated June 12, 2019 (this “Amendment”), to the Employment Agreement, dated May 1, 2015 (the “Agreement”), is entered into by and between QPAGOS Corporation (the “Corporation”) and Andrey Novikov (the “Executive”). Capitalized terms used herein without definition shall have the meanings assigned in the Agreement. WHEREAS, the parties de

May 20, 2019 10-Q

QPAG / QPAGOS 10-Q - Quarterly Report - FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2019 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 333-192877 QPAGOS (E

May 15, 2019 NT 10-Q

QPAG / QPAGOS NT 10-Q NT 10-Q

NT 10-Q 1 s118315nt10q.htm NT 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 12b-25 Commission File Number: 000-55648 NOTIFICATION OF LATE FILING (Check one): ☐ Form 10-K ☐ Form 20-F ☐ Form 11-K ☒ Form 10-Q ☐ Form 10-D ☐ Form N-SAR ☐ Form N-CSR For Period Ended: March 31, 2019 ☐ Transition Report on Form 10-K ☐ Transition Report on Form 20-F ☐ Transition Report o

April 9, 2019 10-K

QPAG / QPAGOS FORM 10-K (Annual Report)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal period ended December 31, 2018 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 333 - 192877 QPAGOS (Exact Name of Registrant as Specified in Its Charter) Nevada 33 - 1230229 (State or Other Jurisdiction of Incorporation or Organization) (I.

April 1, 2019 NT 10-K

QPAG / QPAGOS NT 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 12b-25 NOTIFICATION OF LATE FILING (Check one): ☒ Form 10-K ☐ Form 20-F ☐ Form 11-K ☐ Form 10-Q ☐ Form 10-D ☐ Form N-SAR ☐ Form N-CSR For Period Ended: December 31, 2018 ☐ Transition Report on Form 10-K ☐ Transition Report on Form 20-F ☐ Transition Report on Form 11-K ☐ Transition Report on Form 10-Q ☐ Transition Report o

March 27, 2019 RW

QPAG / QPAGOS RW

RW 1 s116999rw.htm RW March 27, 2019 VIA EDGAR Securities and Exchange Commission Division of Corporation Finance 100 F Street, N.E. Washington, D.C. 20549 Re: Request to Withdraw Registration Statement on Form S-8 (File No. 333-225707) Ladies and Gentlemen: On June 18, 2018, QPAGOS, a Nevada corporation (the “Company”), filed Registration Statement No. 333-225707 on Form S-8 (together with the ex

November 14, 2018 10-Q

QPAG / QPAGOS 10-Q (Quarterly Report)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10 – Q ☒ QUARTERLY REPORT UNDER SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended: September 30, 2018 ☐ TRANSITION REPORT UNDER SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 333-192877 QPAGOS (Exact name of registrant as specified in its charter)

September 6, 2018 8-K

Termination of a Material Definitive Agreement

8-K 1 s1126048k.htm 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): August 31, 2018 QPAGOS (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-55648 33-1230229 (Commissio

August 23, 2018 EX-10.1

Extension of Agreement to Organize and Operate a Joint Venture dated August 17, 2018 by and among the Company, Digital Power Lending, LLC and Innovative Payment Systems, Inc. (Incorporated by reference to Exhibit 10.1 to the Registrant’s Form 8- K (File No. 000-55648) filed with the Securities and Exchange Commission on August 24, 2018)

EX-10.1 2 s112294ex10-1.htm EXHIBIT 10.1 Exhibit 10.1 Extension of Agreement to Organize and Operate A Joint Venture Pursuant to ARTICLE X, TERMINATION, the Parties hereto to that certain Agreement to Organize and Operate a Joint Venture dated June 14, 2018 (“Agreement”), as amended on June 29, 2018 and July 16, 2018, hereby agree to extend the Closing Date of the Agreement up to and including Fri

August 23, 2018 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits

8-K 1 s1122948k.htm 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): August 17, 2018 QPAGOS (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-55648 33-1230229 (Commissio

August 14, 2018 8-K

Results of Operations and Financial Condition, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): August 14, 2018 QPAGOS (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-55648 33-1230229 (Commission File Number) (IRS Empl

August 14, 2018 EX-99.1

QPAGOS Shows Continuing Q2 Revenue Growth

Exhibit 99.1 QPAGOS Shows Continuing Q2 Revenue Growth Mexico City, August 15, 2018 – QPAGOS (QPAG: OTCQB) announced that 2nd quarter 2018 results continue the strong revenue growth trend shown in the first quarter, as reported yesterday in the company’s filed 10Q. Revenues for the three months ending June 30, 2018 were $ 1,701,763, a 67.3% increase over the same quarter in 2017, and a 62.8% incre

August 14, 2018 10-Q

QPAG / QPAGOS 10-Q (Quarterly Report)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10 – Q ☒ QUARTERLY REPORT UNDER SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended: June 30, 2018 ☐ TRANSITION REPORT UNDER SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 333-192877 QPAGOS (Exact name of registrant as specified in its charter) Nevad

July 17, 2018 EX-10.1

Amendment, dated July 16, 2018, to Agreement to Organize and Operate a Joint Venture

Exhibit 10.1 Extension of Agreement to Organize and Operate A Joint Venture Pursuant to ARTICLE X, TERMINATION, the Parties hereto to that certain Agreement to Organize and Operate a Joint Venture dated June 14, 2018 (“Agreement”), as amended on June 29, 2018, hereby agree to extend the Closing Date of the Agreement up to and including Friday, August 17, 2018. All other terms of the Agreement rema

July 17, 2018 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): July 16, 2018 QPAGOS (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-55648 33-1230229 (Commission File Number) (IRS Employ

June 29, 2018 EX-10.1

Amendment, dated June 29, 2018, to Agreement to Organize and Operate a Joint Venture by and among the Company, Digital Power Lending, LLC and Innovative Payment Systems, Inc. (Incorporated by reference to Exhibit 10.1 to the Registrant’s Form 8- K (File No. 000-55648) filed with the Securities and Exchange Commission on July 2, 2018)

Exhibit 10.1 Extension of Agreement to Organize and Operate A Joint Venture Pursuant to ARTICLE X, TERMINATION, the Parties hereto to that certain Agreement to Organize and Operate a Joint Venture dated June 14, 2018 (“Agreement”), hereby agree to extend the Closing Date of the Agreement up to and including Monday, July 18, 2018. All other terms of the Agreement remain in full force and effect. IN

June 29, 2018 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): June 29, 2018 QPAGOS (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-55648 33-1230229 (Commission File Number) (IRS Employ

June 18, 2018 EX-4.1

2018 Incentive Stock Plan*

EX-4.1 2 s110899ex4-1.htm EXHIBIT 4.1 Exhibit 4.1 QPAGOS 2018 Stock Incentive Plan 1. Establishment and Purpose. The purpose of the QPAGOS 2018 Stock Incentive Plan (the “Plan”) is to promote the interests of the Company and the stockholders of the Company by providing directors, officers, employees and consultants of the Company with appropriate incentives and rewards to encourage them to enter i

June 18, 2018 EX-4.2

Form of Stock Option Grant Notice, Option Agreement and Notice of Exercise*

EX-4.2 3 s110899ex4-2.htm EXHIBIT 4.2 Exhibit 4.2 FORM OF QPAGOS STOCK OPTION GRANT NOTICE 2018 Stock Incentive Plan QPAGOS, a Nevada corporation (the “Company”), pursuant to its 2018 Stock Incentive Plan (the “Plan”), hereby grants to Optionholder an option to purchase the number of shares of the Company’s Common Stock set forth below. This option is subject to all terms and conditions as set for

June 18, 2018 EX-4.4

Form of Restricted Stock Grant Agreement*

EX-4.4 5 s110899ex4-4.htm EXHIBIT 4.4 Exhibit 4.4 FORM OF QPAGOS RESTRICTED STOCK GRANT AGREEMENT 2018 STOCK INCENTIVE PLAN This Restricted Stock Grant Agreement is dated as of [ ], 201[ ] (this “Agreement”), and is between QPAGOS, a Nevada corporation (“QPAGOS”), and [ ], an individual (“Grantee”). WHEREAS, Grantee is [ ]. QPAGOS considers Grantee’s continued services to QPAGOS to be important to

June 18, 2018 EX-4.3

Form of Notice of Award of Restricted Stock Units and Restricted Stock Unit Award Agreement*

EX-4.3 4 s110899ex4-3.htm EXHIBIT 4.3 Exhibit 4.3 QPAGOS FORM OF NOTICE OF AWARD OF RESTRICTED STOCK UNITS 2018 STOCK INCENTIVE PLAN QPAGOS, a Nevada corporation (the “Company”), awards to the undersigned (the “Participant”) the following restricted stock units to acquire shares (the “Shares”) of the common stock of the Company, par value $0.001 per share (the “Common Stock”), pursuant to the Comp

June 18, 2018 S-8

QPAG / QPAGOS S-8

S-8 1 s110899s8.htm S-8 Registration No. 333- As filed with the Securities and Exchange Commission on June 18, 2018 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 QPAGOS (Exact name of registrant as specified in its charter) Nevada 33 - 1230229 (State or other jurisdiction of incorporation or organization) (I

June 18, 2018 EX-4.1

2018 Incentive Stock Plan*

Exhibit 4.1 QPAGOS 2018 Stock Incentive Plan 1. Establishment and Purpose. The purpose of the QPAGOS 2018 Stock Incentive Plan (the “Plan”) is to promote the interests of the Company and the stockholders of the Company by providing directors, officers, employees and consultants of the Company with appropriate incentives and rewards to encourage them to enter into and continue in the employ or serv

June 18, 2018 EX-4.3

Form of Notice of Award of Restricted Stock Units and Restricted Stock Unit Award Agreement*

EX-4.3 4 s110899ex4-3.htm EXHIBIT 4.3 Exhibit 4.3 QPAGOS FORM OF NOTICE OF AWARD OF RESTRICTED STOCK UNITS 2018 STOCK INCENTIVE PLAN QPAGOS, a Nevada corporation (the “Company”), awards to the undersigned (the “Participant”) the following restricted stock units to acquire shares (the “Shares”) of the common stock of the Company, par value $0.001 per share (the “Common Stock”), pursuant to the Comp

June 18, 2018 S-8

QPAG / QPAGOS S-8

S-8 1 s110899s8.htm S-8 Registration No. 333- As filed with the Securities and Exchange Commission on June 18, 2018 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 QPAGOS (Exact name of registrant as specified in its charter) Nevada 33 - 1230229 (State or other jurisdiction of incorporation or organization) (I

June 18, 2018 EX-4.2

Form of Stock Option Grant Notice, Option Agreement and Notice of Exercise*

EX-4.2 3 s110899ex4-2.htm EXHIBIT 4.2 Exhibit 4.2 FORM OF QPAGOS STOCK OPTION GRANT NOTICE 2018 Stock Incentive Plan QPAGOS, a Nevada corporation (the “Company”), pursuant to its 2018 Stock Incentive Plan (the “Plan”), hereby grants to Optionholder an option to purchase the number of shares of the Company’s Common Stock set forth below. This option is subject to all terms and conditions as set for

June 18, 2018 EX-4.4

Form of Restricted Stock Grant Agreement*

Exhibit 4.4 FORM OF QPAGOS RESTRICTED STOCK GRANT AGREEMENT 2018 STOCK INCENTIVE PLAN This Restricted Stock Grant Agreement is dated as of [ ], 201[ ] (this “Agreement”), and is between QPAGOS, a Nevada corporation (“QPAGOS”), and [ ], an individual (“Grantee”). WHEREAS, Grantee is [ ]. QPAGOS considers Grantee’s continued services to QPAGOS to be important to its growth, and consequently QPAGOS w

June 15, 2018 EX-10.1

Agreement to Organize and Operate a Joint Venture, dated June 14, 2018, by and among the Company, Digital Power Lending, LLC and Innovative Payment Systems, Inc. (Incorporated by reference to Exhibit 10.1 to the Registrant’s Form 8- K (File No. 000-55648) filed with the Securities and Exchange Commission on June 14, 2018)

Exhibit 10.1 AGREEMENT TO ORGANIZE AND OPERATE A JOINT VENTURE AGREEMENT made as of the 14th day of June, 2018 between Digital Power Lending, LLC, a California limited liability company (“DPL”), QPAGOS, a Nevada corporation (“QPAGOS”) and Innovative Payment Systems, Inc., a Delaware corporation (“IPS”). WHEREAS, QPAGOS develops, markets, licenses and supports a range of electronic payments technol

June 15, 2018 8-K

Financial Statements and Exhibits, Entry into a Material Definitive Agreement

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): June 14, 2018 QPAGOS (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-55648 33-1230229 (Commission File Number) (IRS Employ

May 23, 2018 8-K

Results of Operations and Financial Condition, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): May 23, 2018 QPAGOS (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-55648 33-1230229 (Commission File Number) (IRS Employe

May 23, 2018 EX-99.1

QPAGOS Reports Robust Revenue Growth in a Positive Start to 2018

Exhibit 99.1 QPAGOS Reports Robust Revenue Growth in a Positive Start to 2018 Mexico City, May 23, 2018 – QPAGOS (QPAG: OTCQB) starts 2018 with strong revenue growth in the first quarter, as reported yesterday in company’s filed 10Q. Revenues for the three months were $ 1,464,789, a 58% increase over the same quarter in 2017, and a 37% increase of the recent quarter ended in December 2017. During

May 21, 2018 10-Q

QPAG / QPAGOS FORM 10Q (Quarterly Report)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10 – Q ☒ QUARTERLY REPORT UNDER SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended: March 31, 2018 ☐ TRANSITION REPORT UNDER SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 333-192877 QPAGOS (Exact name of registrant as specified in its charter) Neva

May 15, 2018 NT 10-Q

QPAG / QPAGOS NT 10-Q

NT 10-Q 1 s110217nt10q.htm NT 10-Q U.S. SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 12B-25 COMMISSION FILE NUMBER: 000-55648 NOTIFICATION OF LATE FILING Check One: ☐ Form 10-K ☐ Form 20-F ☐ Form 11-K ☒ Form 10-Q ☐ Form 10-D ☐ Form N-SAR ☐ Form N-CSR For Period Ended: March 31, 2018 ☐ Transition Report on Form 10-K ☐ Transition Report on Form 20-F ☐ Transition Report on Form 11-K

May 14, 2018 DEF 14C

2018 Stock Incentive Plan (Incorporated by reference to Exhibit B to the Definitive Information Statement on Schedule 14C (File No. 000-55648) filed with the Securities and Exchange Commission on May 14, 2018)

SCHEDULE 14C INFORMATION Information Statement Pursuant to Section 14(c) of the Securities Exchange Act of 1934 Check the appropriate box: ¨ Preliminary Information Statement ¨ Confidential, for Use of the Commission Only (as permitted by Rule 14c-5(d)(2)) x Definitive Information Statement QPAGOS (Name of Registrant As Specified In Its Charter) Commission File Number: Payment of Filing Fee (Check

May 10, 2018 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

8-K 1 s1101148k.htm 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): May 10, 2018 QPAGOS (Exact name of registrant as specified in charter) Nevada (State or other jurisdiction of incorporation) 000-55648 33-1230229 (Commission F

Fintel data has been cited in the following publications:
Daily Mail Fox Business Business Insider Wall Street Journal The Washington Post Bloomberg Financial Times Globe and Mail
NASDAQ.com Reuters The Guardian Associated Press FactCheck.org Snopes Politifact
Federal Register The Intercept Forbes Fortune Magazine TheStreet Time Magazine Canadian Broadcasting Corporation International Business Times
Cambridge University Press Investopedia MarketWatch NY Daily News Entrepreneur Newsweek Barron's El Economista