Pricing
Simple, transparent pricing.
The software is free, all of it. Merchant360 with its mobile app & browser extension, gift & loyalty, reporting, and support all cost $0. You pay one simple rate to process payments, published below, and your money lands the same day.
Tap, dip, or swipe.
- Terminals, POS & Merchant360 Mobile
- Same-day funding included
- No monthly software or gateway fee
Keyed & e-commerce.
- Invoices, links & virtual terminal
- Cards on file & recurring billing
- Same-day funding included
Keep every dollar of the sticker price.
- Compliant dual pricing & surcharge programs
- Signage, receipts & prompts handled by EPI
- Debit never surcharged, always compliant
Interchange-direct, quoted line by line.
- True interchange-plus, no middleman markup
- Interchange optimization & Level II/III
- Free statement analysis first
By product
Priced by product. No surprises.
Software is free or flat-rate and published. Hardware and processing are quoted to your business, with same-day funding included either way.
The full business platform: payments, billing, and operations, including the mobile app, the browser extension, and QuickBooks plugins.
- Virtual terminal, links, mobile & browser extension
- Invoices, recurring billing, estimates & scheduling
- Batches, deposits & reporting
Branded gift cards and same-card loyalty across every point of sale.
- Free gift card processing
- No monthly program fees
- Free card design & marketing kit
Business funding from $3,000 to $500,000, repaid as a fixed share of daily sales.
- Pre-qualified offer in 24 hours
- Funds about 2 days from approval
- No collateral, no hidden fees
Cloud restaurant POS: start free, upgrade as you grow. Per location, per month; Enterprise available for full-service groups.
- Floor plans, coursing & kitchen flow
- Runs on the iPads you own
- Prorated upgrades, cancel anytime
The all-in-one installed POS: a full station bundle via the free placement program.
- Station, terminal, printer, scanner & drawer
- Install, training & menu build included
- Lifetime software updates
The full Clover lineup, Station to Go, quoted with your processing.
- Seven devices for every counter
- Clover App Market
- Deployed & supported by EPI
Monetize payments inside your software: embedded acceptance for platforms and ISVs, one integration across the US and Europe.
- Card-present SDKs & REST APIs
- Per-transaction revenue share, so payments become income
- US & EU acceptance, one relationship
Direct JSON APIs to EPI's own authorization and clearing platform, plus the eGift, Merchant360, and ISO360 APIs.
- Sandboxes and docs, open to build against
- Certification with EPI's integration team
- Processing priced with your merchant account
Questions
Pricing, answered straight.
How is my processing rate actually determined?
Standard rates are published right here: 2.6% + 15¢ in person, 3.3% + 25¢ online, or 0% with dual pricing. Processing real volume? We quote custom interchange-direct pricing against your current statement, line by line. Because EPI owns its processing platform (Cygma), there's no sub-ISO or middle processor adding margin.
What's the difference between dual pricing and surcharging?
Dual pricing displays two prices, a cash price and a card price, and the customer picks how to pay. Surcharging adds a disclosed fee to credit-card transactions only; debit cards are never surcharged. Both programs are run compliantly by EPI, including signage, receipt formatting, and terminal prompts. The net effect of either: your card cost drops to zero.
When do I actually get my money?
Same-day. Batches fund the day you close them. Deposits typically land about five hours from batch cutoff, at no added cost. Same-day funding is standard on every EPI account, not an upsell.
Is the software really free? Where's the catch?
Merchant360 (including invoicing, recurring billing, estimates, scheduling, the virtual terminal, payment links, the Merchant360 mobile app and browser extension, and QuickBooks plugins) is free with your EPI merchant account. We make money when you process payments, so the tools that help you sell more are free on purpose.
What does hardware cost?
Often nothing. Exatouch ships as a full station bundle through the free placement program (station, terminal, printer, scanner, and drawer, with install and training included). Clover devices are quoted bundled with your processing. TableTurn runs on iPads you already own.
I resell payments. What are the economics for me?
Reseller economics live on their own page: lifetime residuals, bonuses, free equipment programs, and the ISO360 platform. See the reseller program.
I'm a software company. How does pricing work for platforms?
You earn instead of pay. Handpoint embedded payments run on a per-transaction revenue share: your platform takes a cut of every payment your users process, in the US and Europe. Integration, sandboxes, and docs are free. Start at Handpoint or the developer docs.
What if my current processor charges me to leave?
Bring us the statement anyway. Between conversion support, free equipment, and the rate delta, our team will show you the break-even math honestly. If switching doesn't pay for itself, we'll tell you.
Bring us your statement. We'll do the math.
A pricing specialist quotes your exact volume, line by line, no games.