For more than 40 years, Electronic Payment Exchange (EPX) has provided proven payment processing services to merchants and banks throughout the United States, Canada, Europe, Latin America, and the Caribbean. Our customer focused, reliable, and cost efficient platform delivers a single point of integration that ensures the highest level of security and reliability.

Secure

With cost-effective, fully-integrated solutions that utilize EMV, tokenization and encryption technologies, EPX is one of the only international payment platforms that provides secure end-to-end, PCI-compliant payment processing.

Reliable

EPX delivers an end-to-end processing solution that eliminates the need for multiple vendor relationships, and reduces failure points common to most other payment providers.

unified

EPX combines the functionality of an ISO, merchant acquirer, gateway, front-end, and back-end processor under one roof with one contract and one point of responsibility for payments.

We are experienced.

Since 1979, EPX has been a pioneer on the payments landscape, commercializing many innovations that have become the industry standards.

We were the very first processor to:

Process credit card payments using the internet.
Deliver online reporting of transactions to merchants.
Adjudicate chargebacks online.
Process echecks
Implement CID, the fraud prevention and detection innovation (CVV) for Discover Card.

Process transactions using tokenization.
Deploy XML-based transaction for all payment types.
Enable address verification system (AVS) for all networks.
Send a soft descriptor/unique identifier for each transaction for Amex and Discover.
Deliver end-to-end card swipe encryption for its POS solutions.

EPX Offers:

SECURE PROCESSING
Decreased risk exposure, enhanced data security, lowered costs, custom reporting, and strengthened process reliability with less potential points of failure.

WEBSUITE
Web-based reporting, data analysis, exception transactions, and chargebacks.

VIRTUAL TERMINAL
Provides the functionality of a POS terminal with modes for processing POS, MO/TO, and ecommerce transactions.

vPOST
Emulates the functionality of a high-volume POS terminal in any web browser, with flexibility for POS swipe, PIN debit, MO/TO, and ecommerce transactions.

PAYPAGE
Enables ecommerce merchants to outsource online payment acceptance and PCI compliance requirements with customized payment pages.

Backed by EPX Buyerwall™ Technology.

Adhere to regulations, reduce risk, and enhance your reputation with the first cardholder data protection system and payment processing platform that allows you to eliminate data breach liability and still control the customer experience.

By creating a tokenized BRIC, the system processes and transmits data without sensitive cardholder information, freeing merchants from the associated risks.