What Epoch does

Epoch Payment Solutions is an Internet Payment Service Provider founded in 1996, operating as an approved Visa and MasterCard Payment Facilitator with primary operations serving online merchants incorporated in the United States and Europe while accepting consumer payments globally. The company was the first in the world to achieve third-party-audited PCI-DSS compliance certification in 2002 and continues to maintain Level 1 status annually; it was also an early adopter of Verified by Visa and MasterCard Secure Code. Epoch is incorporated in Wyoming (legal name Epoch Payment Solutions) with operational presence in Santa Monica, California, and runs a 51-100 employee organization.

The core product is a turnkey payment gateway supporting credit and debit card processing, PayPal, and dozens of regional payment types, with automated international currency conversion and dynamically generated, merchant-branded secure payment forms localized in 16+ languages. Billing options include one-time, recurring, per-unit, and one-click purchase flows, backed by feature-rich developer APIs and 24/7/365 billing support. The platform holds PCI-DSS Level 1 certification, GDPR-aligned EU-US Data Privacy Framework certification, and is positioned as a turnkey solution for online merchants ranging from internet startups to large multinational organizations.

Epoch monetizes through tiered transaction-fee pricing (15.00% at the lowest weekly volume tier declining through published bands to negotiable rates above $45,001 weekly volume), with an all-inclusive flat rate that bundles payment forms, compliance, support, and integration services without separate setup, monthly, annual, or decline fees. The company does not require security deposits or rolling reserves (unlike competitors that may withhold 5-10% of gross sales for up to six months), charges $1 per credit and $12.50 per chargeback, and collects a $1,950 Visa/MasterCard registration fee from digital-content merchants in the US and EU. Distribution is hybrid: self-serve online signup with a sales-representative follow-up within 24 hours, plus direct enterprise sales via phone and email.

Name

Epoch

Legal name

Epoch Payment Solutions

Website

https://epoch.com

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

51–100 employees

Short description

Epoch Payment Solutions is a US- and EU-focused Internet Payment Service Provider founded in 1996, processing online card and alternative payments for digital content merchants worldwide via a PCI-DSS Level 1 certified gateway with multi-currency and multi-language support on tiered transaction-fee pricing.

Ownership category

akta.pro rank

Product category

Online Payment Processing

NAICS

Software Publishers (5132), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (51821)

SIC

Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Payment Gateways & Orchestration (BPAMAFAA)

akta.pro secondary industry

Recurring Billing, Subscriptions & Tokenized Payments (CRAFALAH)

Keywords

• Online payment processing
• Payment gateway services
• Recurring billing software
• Merchant card processing
• PCI compliant payments

Headquarters

HQ city

Santa Monica

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Operations, Personnel, Infrastructure, Marketing or Sales

Revenue model

1. Transaction Fee Processing: Epoch generates revenue through transaction fees calculated as a percentage of sales volume. The company operates on a flat fee structure that includes all services, features, customer and technical support, merchant services, and international billing. No separate setup, transaction, decline, maintenance, monthly, or annual fees are charged. The rate automatically adjusts based on sales volume through a tiered system.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels1 record

Core offering

Epoch operates an Internet Payment Service Provider platform that processes credit card, debit card, PayPal, and dozens of local/regional payment types for online merchants based in the US and EU selling to consumers worldwide. Its core offering is a turnkey payment gateway bundled with recurring, one-time, per-unit, and one-click billing options, secure customizable payment forms, fraud detection, and 24/7 billing support, all delivered through developer-friendly APIs on an all-inclusive tiered transaction-fee pricing model.

Product overview

Epoch is a global online payment processing platform founded in 1996, operating as an approved Visa and MasterCard Payment Facilitator. The core offering consists of a turnkey payment gateway solution that combines a state-of-the-art payment gateway, multiple billing options (recurring, one-time, per unit, one-click), secure payment forms, and 24/7 billing support services. The platform supports global and local payment types including credit cards, debit cards, PayPal, and regional payment methods, along with multi-currency and multilingual capabilities for international merchants. Additional services include fraud detection, secure data storage, and PCI-compliant infrastructure. Epoch positions itself as a full-service Payment Facilitator with developer-friendly APIs for customization.

Differentiator

Problem solved

Functional benefit

Products and services

• Epoch Payment Gateway State-of-the-art payment gateway enabling merchants to process credit cards, debit cards, PayPal, and dozens of local/regional payment types globally with automated currency conversion and multilingual support for US and EU merchants selling to worldwide consumers.
• Recurring Billing Subscription billing service that automatically charges customers on a recurring basis until cancellation, designed to improve profitability and cash flow for online merchants and digital content providers.
• One-Time Billing Single-purchase payment processing for products requiring a one-time charge where customers make full payment in a single transaction.
• Per Unit Billing Billing service for merchants using tokens, credits, or time blocks, allowing charges based on specific units chosen by the merchant.
• One-Click Billing Streamlined billing feature enabling merchants to make offers to existing customers without requiring them to re-enter payment information.
• Secure Payment Forms Customizable secure payment forms that maintain merchant branding while collecting customer information with flexible data collection options and dynamic generation based on customer location, language preference, and local currency.
• 24/7 Billing Support Round-the-clock customer service team providing billing support, technical assistance, and password help for end customers of merchants.

Quantifiable outcome

• No reserve withholding - merchants receive more money faster than with other solutions
• +1 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Market position

Strengths4 records

Competitive moat5 records

Key risks6 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/epoch.com-llc

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds1 record

Investors4 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Epoch