Self-Serve Payment Processing
EPX is a leading provider of payment processing services for self-service units, like kiosks, parking meters, and vending machines.
Secure and Cost-Effective Credit Card, Debit Card, and ACH Processing
EPX provides merchants accounts and a straight-through, fully integrated, secure payment processing platform, and acts as a payment gateway and acquirer.
EPX provides traditional POS, Internet-related, and self-service (kiosks, parking meters, etc.) credit card processing, debit card processing, and ACH processing products and services to businesses, public utilities, merchants, retailers, e-tailers, merchant acquiring banks, Independent Sales Organizations (ISOs), and third-party processors in the United States, Canada, Europe, the Middle East, Latin America and the Caribbean.
Your business, whether large or small, can securely get a merchant account and accept credit cards, debit cards, and ACH checks using EPX solutions. Additionally, EPX hosted solutions enable your organization to facilitate PCI compliance by outsourcing your payment processing needs.
On June 29, 2011 the United States Federal Reserve issued their final ruling on debit card interchange fees and issued an interim final ruling on a fraud-prevention adjustment. The ruling is the culmination of comments from card networks, banks, merchants, and consumers received in response to the Durbin Amendment of the Dodd Frank Wall Street Reform and Consumer Protection Act.
Although the final ruling caps debit transaction interchange fees charged by card issuers at a rate higher than previously proposed, the new cap should still lead to interchange cost savings for most merchants. Details of the final ruling are presented here.
Case Study: NCR Saves Substantial PCI Project Costs by Using Outsourcing and Tokenization
"NCR outsourced its card payments to a third-party processor that provided token numbers to substitute for credit and debit card numbers within its ERP system. Payment Card Industry (PCI) standards were met, and NCR avoided more than $3 million in IT development costs."
EPX - The FIRST Full-Service Payment Processor Using Tokenized End-To-End Encryption Solution for Unsurpassed Merchant Security
Electronic Payment Exchange (EPX) is the first payment processor to offer a true end-to-end solution that endorses and incorporates both tokenization and encryption for securing cardholder data from the card reader through the entire transaction lifecycle. Using encrypted card readers with EPX’s BuyerWall™ credit card data tokenization technology, EPX has virtually removed merchants’ point-of-sale systems and card readers from the scope of PCI compliance and has substantially eliminated merchant liability associated with the risk of processing, transmitting, and storing sensitive cardholder data.
EPX BuyerWall is the only cardholder data protection system that allows your company to eliminate data breach liability yet still control your customer experience. Cardholder data never touches your computer system. Instead, with each transaction, you get a BRIC - a BuyerWall Recognized Identification Code - that enables you to issue refunds, work chargebacks, and process charges for returning customers.
