eProcessing Network Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Cloud-enabled solutions for mobile payments, retail point of sale, inventory management, etc.

Specializes in

PCI compliant payment processing, which protects your business from fraud. It enables you to make real-time, secure transactions with just about any form of payment like swipe, chip, NFC, Apple Pay, Google Pay, etc.

Pricing Summary

Setup Fee: $0

Monthly Fee: $8 - $10

Swipe Rate: Undisclosed

Keyed-in Rate: Undisclosed

Early Termination Fee : $0

Contract Terms:

Visit eProcessing Network

eProcessing Network is not a merchant service provider. On the contrary, it sells equipment and software that is pairable with an existing card processor the merchant has.

eProcessing Network Overview


Established in 2000, eProcessing Network has its headquarters in 1415 N Loop W #1185, Houston, Texas 77054. The President of the company is Steve Sotis.

The firm is compliant with PCI-DSS (Payment Card Industry Data Security Standard), which is a testament to its commitment to protecting customer data. The integrity and confidentiality of cardholder information are of utmost concern to ePN.

The company has no acquiring bank or backend processor. Hence merchants will need to register an account via a separate company to accept debit and credit card transactions with eProcessing Network.

Software products provided by the firm include virtual terminal services, a secure payment gateway, etc.

Quick Facts

Head Quarters

Houston, TX

Year Founded



Steve Sotis



Merchant Provider Risk Tolerance

What We Like

No early termination fee.

No setup fee.

Month to month contract.

Sells equipment and software to work with the merchants equipment.

Employs its own inside sales team.

What We Don't Like

Has a monthly fee.

Not a merchant service provider.

Merchants need to register an account with a separate company to accept credit and debit card transactions on the network.

Direct signup with the company is not available.

Pricing is not disclosed online.

Industries Served

  • Clothing & Apparel
  • Convenience Store
  • Education
  • Electronics
  • Hunting & Outdoor Equipment
  • Personal Service
  • Property Management
  • SAAS
  • Thrift Store

Business Types Served

  • B2B
  • Ecommerce
  • High Volume
  • Information
  • Mobile
  • Online
  • Retail / Card Present
  • Small Business

eProcessing Network Products & Services


eProcessing Network offers a wealth of software products for merchants as follows:

  • Secure Payment gateway: The backbone of ePN's lineup. You'll need to set it up to work with your account to utilize any of ePN's other additional features or products. ePN's gateway maintains PCI-compliance to protect all of your sensitive data.

  • ePNWOFG: The Web Order Form Generator enables you to create custom HTML code to make online order forms for your websites. The service is especially useful for e-commerce merchants.

  • ePNJPOS: A virtual terminal for accepting both card-present and card-not-present transactions. It is compatible with many third-party checks and card readers. ePNJPOS is not browser-based; it is a standalone software pack that installs on your PC.

  • ePNMobile: ePN provides mobile apps for tablets and smartphones. The app transforms your phone into a wireless terminal. It is available for iOS and Android.

  • ePNInventory: This is an integrated inventory management system that doesn't require the installation of additional software. It also integrates with various other ePN products, like the ePNJPOS, Secure Payment Gateway, and the ePNMobile apps.

  • ePNBillPay: This paper-free billing option enables merchants to create invoices and send them via email. Customers can pay their bills online, saving mailing costs.

  • ePNRecur: An optional recurring transaction service which allows you to set up subscriptions, installment payments, and membership pricing plans. Modification features include support for variable payment intervals and free trial periods.

  • ePNCDM: A customer data manager that acts as a cloud-based, secure database of customer information such as payment methods and billing addresses. It can export customer data, meaning you can take your customer database with you if you ever want to switch to another payment gateway.

eProcessing Network Payment Processing

  • ACH Check Transactions
  • Chargeback & Fraud Prevention
  • Contactless NFC
  • Credit Card Processing
  • Debit Card Processing
  • eCheck & ACH Processing
  • Gift & Loyalty Program
  • Mobile Payments App
  • Online Payments
  • Payment Gateway
  • POS Equipment
  • Recurring Billing
  • Retail Payment Processing

eProcessing Network Billing & Invoicing

  • Mobile Payments
  • Online Invoicing
  • Online Payments
  • Payment Processing
  • Recurring/Subscription Billing

eProcessing Network Advertising & Sales


The company relies mainly on resellers and ISOs to sell its products and services and has an in-house team to tackle direct sales. It is not possible to register for an ePN service via the website without talking to a sales rep. While sales calls can be monotonous, this does allow you to negotiate your service's terms and costs.

ePN has a reasonably active social media existence, with accounts on both LinkedIn and Facebook. They also have a very remarkable YouTube channel, which is often updated and includes a host of product tutorials and overviews. Social media engagement is a top priority for the company.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


eProcessing Network Pricing, Rates & Fees


The company website does not disclose any pricing information. Many merchants will need to sign up for eProcessing Network via a reseller, which will cost more since resellers are expected to markup prices.

It is assumed that the company charges $8-$10 per month along with $0.05 per transaction, which are standard prices for payment gateways in the industry.

It is important to note that you may have to pay setup fees as well. Said standard industry fee is around $50, but it is unclear whether or not ePN has this fee. You might also have to pay more for any extra hardware, like card readers.

Pricing at a Glance

Pricing Model


Swiped Rate


Keyed-in Rate


Mobile Payment Rate

Virtual Terminal Rate


Monthly Fee

$8 - $10

Payment Gateway Fee

$0.05 Per Transaction

Batch Fee

Early Termination Fee


PCI Compliance Fee


Equipment Lease Terms


Address Verification Service (AVS)

Application Fee


Account Setup Fee


Gateway Setup Fee


Annual Fee

Monthly Minimum

$8 - $10

Statement Fee

eProcessing Network Contract & Terms

ePN's secure payment gateway operates on a month-to-month basis. There will be a contractual association between you and ePN, but that contract does not include an early termination fee (ETF) or fixed-length term.

Nonetheless, it is essential to understand that your agreement with your merchant account provider might have both an ETF and a specified term. Many merchants face confusion over this aspect, complaining that ePN billed them an ETF  when the bill really came from the merchant account provider.

Contract Length


Early Termination Fee


eProcessing Network Setup & Support


Setup Highlights

  • Documentation / Knowledge Base
  • Recorded Video Training

Support Highlights

  • Domestic Phone Support (Business Hours)
  • Offshore Tech Support (After Hours)

eProcessing Network Complaints, Ratings & Reviews

At present, eProcessing Network has an 'A' rating with the Better Business Bureau (BBB) and is accredited by them since 2005.

Currently, ePN's profile shows three customer reviews (2.5 out of 5 stars), which states billing and service-related issues.

The firm has received three complaints on its BBB profile in the last three years. eProcessing Network has effectively resolved two complaints, while the status of the third one is unknown.

It seems that the company strives to resolve customer issues and give them good service.



A (3 complaints)








Total Online Reviews


Total Online Complaints




eProcessing Network Alternatives


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