Developers · Platform overview

Direct to the networks. One integration.

Cygma is EPI's proprietary front-end authorization and back-end clearing platform. Your transactions travel our rails to the card networks and back.

VisaMastercardDiscoverAmexMaestroInterlinkStarPulseNYCEAccelEBTEU · Handpoint
For ISOs & agents →For merchants
cygma · POST /v2/authorize
// tap → authorize
{
  "amount": "42.50",
  "currency": "USD",
  "entry_mode": "contactless",
  "token": "tok_9f3ab2e1"
}

// 180 ms later
{
  "result": "approved",
  "auth_code": "T83921",
  "interchange": "optimized",
  "funding": "same_day"
}

Integration paths

What are you building?

Pick the path that matches your product. Every one settles on EPI's own platform. For software companies, each is a way to monetize payments inside your product, with per-transaction revenue.

◧
Countertop & terminalCard-present acceptance through the cloud gateway: PAX A920 and managed terminals, no card data in your stack.Learn more →
▣
Your own POS appThe Android SmartPOS SDK puts your software and payments on one co-branded device.Learn more →
⌘
Web app & SaaSREST APIs for authorization, tokenization, and reporting, plus payment links and an embeddable pay widget.Learn more →
◎
E-commerceCard-not-present acceptance with vaulted customers, including the European e-commerce suite.Learn more →
⎘
Back office & no-codeVirtual terminal, QuickBooks® plugins, and Datacap's 900+ POS integrations, live without writing code.Learn more →
★
Gift & loyaltyThe eGift API: activation, redemption, reload, and balance across every surface.Learn more →

The path

Five stops. All of them ours.

From tap to bank account, the transaction stays on EPI platforms: one integration, one support team.

AcceptPoint of saleExatouch, TableTurn, Merchant360, Handpoint, or your integrated app.
AuthorizeCygma front endFast IP auths with EMV, NFC, and contactless, straight to the schemes.
RouteCard networksDirect connections with interchange optimization on every pass.
ClearCygma back endIn-house clearing & settlement, Level II/III data, dispute tooling.
FundMerchant bankSame-day funding: deposits in as few as five hours from cutoff, at no added cost.

Capabilities

Platform capabilities.

$
Lower rates, early residualsMerchant savings from the get-go, and agents see residuals early, paid monthly on the 5th.
✓
More verticalsPreviously restricted merchants welcomed: adult retail and entertainment, smoke, vape, and CBD, and MOTO guns and ammo, all underwritten in-house.
⚡
Same-day fundingLate batch cutoffs with deposits in as few as five hours from cutoff, and no added fee for same-day or next-day.
→
Lightning-fast IP authorizationsEngineered for speed: one of the fastest authorization platforms anywhere.
≡
Interchange optimizationAutomatic interchange optimization built directly into the clearing process.
◈
Every authorization modeEMV, NFC, X-Pay wallets, contactless, and Level II & Level III data for B2B and B2G.
{ }
Built for buildersDevelop on the Cygma front end and the Merchant360 gateway: JSON and RESTful APIs with EMV and contactless enablement.
◉
Private & protectedPrivately owned and 100% in-house, with current security technology and 24/7 technical support.

APIs

Every EPI API. One docs home.

REST and JSON, versioned, all in one developer hub at cygma.cloud/developers.

C
Cygma APIAuthorization, tokenization, clearing & reporting.View docs →
G
eGift APIGift & loyalty: activation, redemption, reload, balance.View docs →
I
ISO360 APIBoarding, merchants & portfolio data for partners.View docs →
H
Handpoint APICard-present SDKs and terminal management, US & EU.View docs →

For ISOs & agents

Own your economics with dedicated BIN/ICA.

Qualifying ISOs get direct bank sponsorship and dedicated BIN/ICA across four major card schemes, plus PIN-debit and EBT, with ISO360 as the portfolio back office.

  • Dedicated BIN/ICA sponsorship for qualifying partners
  • Quick App digital boarding with e-signature
  • Per-merchant residual attribution, paid weekly
  • Portfolio, pricing & equipment managed in ISO360
See the reseller program →
Residual statementISO360 · mock data
Processing residuals · 142 MIDs$18,204.61
Interchange optimization share$1,112.08
Signing & conversion bonuses$2,400.00
Equipment program, net$375.00
Friday ACH → your bank$22,091.69

Global

Rails on two continents.

With Handpoint, Cygma's reach extends across the EU and UK: one relationship for partners and platforms operating on both sides of the Atlantic.

North AmericaDirect acquiring & sponsorshipSponsored by Citizens Bank N.A., KeyBank N.A., and Commercial Bank of California, with in-house underwriting and risk.
Europe · UKCertified acceptance via HandpointCard-present SDKs and embedded payments for ISVs across European markets, with multi-currency support and local scheme certification.

Get started

Two ways onto the rails.

Partners

Partner with EPI

Weekly settlement, portfolio tools in ISO360, and dedicated BIN/ICA paths for qualifying ISOs.

Explore the agent program →
Merchants

Processing for your business

Same-day funding, transparent rates, and Merchant360 included.

Explore Merchant360 →