Company

A global leader in payments.

Electronic Payments is the 23rd largest U.S. acquirer, with 60,000+ merchant partnerships, 486 million transactions, and $26.5+ billion processed every year on infrastructure we own and operate. Founded in 2000. Privately held. Built entirely in-house.

60,000+merchant partnerships
$26.5B+processed annually
486M+transactions a year
23rdlargest U.S. acquirer

EPI was founded in 2000 to serve the businesses the industry overlooked, and grew into one of the largest privately held payments companies in the United States. The full stack is ours: the Cygma® processing platform, the Merchant360 and ISO360 platforms, Exatouch, TableTurn, and eGiftSolutions, all designed, developed, and supported in-house, with 24/7 U.S.-based technical support behind every product.

EPI acquires across North America and, through the 2025 acquisition of Handpoint, across Europe and the UK, under sponsorship with Citizens Bank N.A., KeyBank N.A., and Commercial Bank of California.

The company's philosophy is written into the POS Bill of Rights™: ten commitments to transparent pricing, fair contracts, reliable systems, and responsive support that every EPI merchant can hold us to.

Through Charity POS, EPI directs a portion of processing activity to education, youth programs, arts and culture, and environmental causes.

Infrastructure

The stack is ours.

ProcessingCygma®: proprietary authorization and clearing, direct to the card networks.
Two continentsAcquiring across North America; acceptance in Europe and the UK through Handpoint.
Bank sponsorshipCitizens Bank N.A., KeyBank N.A., and Commercial Bank of California.
In-house, alwaysDevelopment, underwriting, risk, and 24/7 U.S.-based support. EPI employees, end to end.

POS Bill of Rights™

Ten commitments. In writing.

"Our success is rooted in yours." The POS Bill of Rights sets the standard every EPI merchant can hold us to.

1
Transparent pricing & honest billingClear, understandable pricing with no hidden fees.
2
Reliable uptime commitmentsA standard of reliability, with proactive communication on any downtime.
3
Data privacy & securityBusiness and customer data protected, never sold or misused.
4
Responsive customer supportKnowledgeable, timely assistance that resolves issues.
5
User-friendly systemsIntuitive software that minimizes training and errors.
6
Continuous improvementRegular updates shaped by user feedback.
7
Fair contract termsReasonable terms, no predatory practices.
8
Training & resourcesManuals, guides, and tutorials included.
9
Input & feedbackYour feedback considered in future development.
10
Cancellation & data retrievalReasonable cancellation terms, your data in usable formats.

The merchants

60,000 storefronts. Here are a few.

The businesses behind the numbers: real merchants who run their counters, floors, and books on EPI. Read their success stories →

How TableTurn Helped Cabana Club Modernize Its Operations
Cabana ClubPool & beach club
Great Steak Restaurant
Great Steak RestaurantQuick service
How TableTurn Is Supporting La Cucina Sul Mare's Dreams of Growth
La Cucina Sul MareItalian restaurant
Sticky Fingers Bakery
Sticky Fingers BakeryBakery
Terra at Agate Electrolysis
Agate ElectrolysisPersonal care
Dawn at Chestnut Ridge Sewing
Chestnut Ridge SewingSpecialty retail
Winesburg Meats, Inc. Boosts Checkout Efficiency and Service with Exatouch POS
Winesburg MeatsMeat market
Rebecca's Bistro
Rebecca's BistroFull service

Press & newsroom

Recent announcements.

August 2025EPI acquires HandpointExtending EPI's footprint into Europe with certified card-present acceptance and embedded-payments SDKs for software platforms.Read more →
October 2025Investment in Mega PaymentsA strategic investment expanding EPI's reach in emerging payments markets.Read more →
AnnualIMPACT26 partner conferenceEPI's annual conference for agents, ISOs, and partners, plus regional sponsored events year-round.See events →

Commerce, end to end.

Seamless commerce from a global leader in payments. Talk to us about what that looks like for your business.

Choose EPI →