Ipaytoken takes no fee from the buyer at all. Each seller has a different price so it is up to you to select the best one. For example, traders may charge a 30% margin to convert your money to bitcoin. This means you give them a $100 cash and get back $70 of bitcoin to your Ipaytoken bitcoin wallet.
On Ipaytoken the Seller of bitcoins pays a 1% fee. The buyer of bitcoins does not pay Ipaytoken any fee at all.
The Ipaytoken wallet is a free bitcoin wallet. Only the sender pays bitcoin network miner fees. The bitcoin miners fee goes to the bitcoin network, not Ipaytoken. If you want to understand who bitcoin miners are, what they do and why they take a fee then search and read this bitcoin mining article.