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Our Merchant Credit Card Processing Pricing

We pledge to provide the highest service and most competitive pricing to our customers at all times. EPI guarantees to match or beat any competitors overall offer, period.

Below you will find a summary of the "vanilla" pricing scenarios that you could typically expect from our company. For a detailed cost analysis or a "hard" price quote, please contact us by phone, or complete our no obligation pre-application by clicking the Apply Now link. We would prefer to discuss your business in detail to determine whether or not you would qualify for any of the Visa/Mastercard special pricing programs. Certain merchant types which include, but are not limited to, grocery stores, convenience stores, quick serve restaurants, parking lots, movie theatres, car washes and B2B are capable of getting special rates from Visa and Mastercard. These programs must be enrolled in, you will not automatically qualify for them.

Wholesale Interchange Pass-Through Pricing for Card Present Merchants (Subject to Qualification & Approval)


Account Setup & Installation

$0

Rate & Transaction Cost

1.04% & NO TRANSACTION FEE
on all Visa/Mastercard card types.


Pin Based Debit Transaction Cost (optional):

$0.15

American Express & Discover Transaction Cost (optional):


$0.10


Monthly Service:

$10

Includes online reporting, monthly statement, 24/7 tech support & PCI Compliance (Payment Card Industry Compliance)

Batch Settlement:

$0.19
(per settled batch)

Annual Account On File:

$99

(waived if you refer a new customer that signs up with EPI within your first year)

All Visa/Mastercard/Discover/American Express & Debit Network interchange, dues & assessments passed through at no additional markup or surcharge.

Two-Tiered Pricing for Card Present Merchants


Account Setup & Installation

$0

Rate & Transaction Cost

Qualified Retail Check Card Rate:

1.48% + 19¢

Non-Qualified Transaction Surcharge:

1.48%

Non-Qualified surcharges may apply to transactions that do not meet Qualified transaction criteria.

Pin Based Debit Transaction Cost (optional):

$0.15

All pin-debit network fees passed through at no additional markup or surcharge.


American Express & Discover Transaction Cost (optional):


$0.10

American Express and Discover costs passed through at no additional markup or surcharge.

Monthly Service:


$10

Includes online reporting, monthly statement, 24/7 tech support & PCI Compliance (Payment Card Industry Compliance)

Batch Settlement:

$0.19

(per settled batch)

Annual Account On File:

$99

(waived if you refer a new customer that signs up with EPI within your first year)

** Tier II merchants include businesses that have a negative credit history, operate a high risk business, have a disproportionately high ratio of chargebacks, or who operate a restricted business type and have no previous processing history. The Tier II merchant program allows EPI to enroll merchants that would otherwise be unable to obtain a merchant account. Merchants that choose to enroll in our Tier II processing program shall pay an additional $10 per month, 10 basis points and 10¢ more per transaction than our standard pricing. Tier II merchants may also be subject to daily vs. monthly billing and have additional deposit timeframe restrictions. Merchants that choose to enroll in our Tier II program will be notified of any restrictions prior to completing enrollment.

E-Commerce / Mail Order / Telephone Order - Wholesale Interchange Pass-Through


Account Setup & Installation

$0

Rate

1.04% + $0.25


Pin Based Debit Transaction Cost (optional):

$0.15

American Express & Discover Transaction Cost (optional):


$0.10


Monthly Service:

$19.95

Includes online reporting, monthly statement, 24/7 tech support & PCI Compliance (Payment Card Industry Compliance)

Batch Settlement:

$0.19

(per settled batch)

Annual Account On File:

$99

Authorize.net Gateway Fees (if applicable):

  • $99 - One-Time Software License

  • $10 - Monthly

  • 5¢ per authorization after first 250 transactions.

E-Commerce / Mail Order / Telephone Order - Tiered Pricing


Account Setup & Installation

$0

Transaction Cost

As low as 2.35% + 25¢ base discount rate

Includes AVS and Level II data capture
Mid Qualified & Non-Qualified transactions will be assessed differential processing fees.

American Express & Discover Transaction Cost (optional):

20¢

Includes AVS (address verification)

American Express and Discover costs passed through at no additional markup or surcharge.

Monthly Service:

$19.95

Includes online reporting, monthly statement, 24/7 tech support & PCI Compliance (Payment Card Industry Compliance)

Batch Settlement:

19¢

(per settled batch)

Annual Account On File:

$99

(waived if you refer a new customer that signs up with EPI within your first year)

Authorize.net Gateway Fees (if applicable):

  • $99 - One-Time Software License

  • $10 - Monthly

  • 5¢ per authorization after first 250 transactions.

** Tier II merchants include businesses that have a negative credit history, operate a high risk business, have a disproportionately high ratio of chargebacks, or who operate a restricted business type and have no previous processing history. The Tier II merchant program allows EPI to enroll merchants that would otherwise be unable to obtain a merchant account. Merchants that choose to enroll in our Tier II processing program shall pay an additional $10 per month, 10 basis points and 10¢ more per transaction than our standard pricing. Tier II merchants may also be subject to daily vs. monthly billing and have additional deposit timeframe restrictions. Merchants that choose to enroll in our Tier II program will be notified of any restrictions prior to completing enrollment.
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866-789-7178.