Epoch
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.
- Company typePrivate
- Founded1996
- HeadquartersSanta Monica, United States
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
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.
Epoch firmographics
Firmographics- 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
Epoch industry classification
Industry- 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
Where Epoch is headquartered
LocationHeadquarters
- HQ city
- Santa Monica
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Epoch business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Operations, Personnel, Infrastructure, Marketing or Sales
Revenue model
- 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
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Tier 1: $0 - $5,000 weekly volume at 15.00% |
| Transaction based/ take rate | Pay-as-you-go | Tier 2: $5,001 - $7,000 at 14.75% |
| Transaction based/ take rate | Pay-as-you-go | Tier 3: $7,001 - $9,000 at 14.50% |
| Transaction based/ take rate | Pay-as-you-go | Tier 4: $9,001 - $12,000 at 14.25% |
| Transaction based/ take rate | Pay-as-you-go | Tier 5: $12,001 - $15,000 at 14.00% |
| Transaction based/ take rate | Pay-as-you-go | Tier 6: $15,001 - $20,000 at 13.75% |
| Transaction based/ take rate | Pay-as-you-go | Tier 7: $20,001 - $25,000 at 13.50% |
| Transaction based/ take rate | Pay-as-you-go | Tier 8: $25,001 - $35,000 at 13.25% |
| Transaction based/ take rate | Pay-as-you-go | Tier 9: $35,001 - $45,000 |
| Transaction based/ take rate | Pay-as-you-go | Tier 10: $45,001 and above |
| Other | Pay-as-you-go | Credit and chargeback fees |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels1 record
Epoch product offering
Product offeringCore 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
Companies that use Epoch
Customer profileSegments3 records
Ideal customer profiles2 records
Epoch technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Feature6 records
Epoch partnerships and signals
Strategic signalScale indicators2 records
Recent moves5 records
Expansion highlights4 records
Epoch competitors and assessment
Company assessmentMarket position
Strengths4 records
Competitive moat5 records
Key risks6 records
Key highlights5 records
Customer concentration
Epoch social profiles
Digital presenceEpoch compliance and trust
Trust signalCompliance3 records
Epoch financial estimates
Financial estimateRevenue estimate
Valuation estimate
Epoch leadership team
Management profileNumber of profiles
Profiles2 records
Epoch funding detail
Funding detailFunding overview
Funding rounds1 record
Investors4 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Epoch M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Epoch
What does Epoch do?
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.
Is Epoch a public or private company?
Epoch is a private company. It is classified as venture growth investor backed and is currently operating.
When was Epoch founded?
Epoch was founded in 1996. It employs 51 to 100 people.
Where is Epoch based?
Epoch is headquartered in Santa Monica, United States, in the North America region.
How does Epoch make money?
One revenue line is on record: transaction Fee Processing.
Does Epoch have an API?
Yes. Epoch offers feature-rich APIs that allow developers to customize data structures, object classes, and variables. The API enables merchants to integrate Epoch's payment processing capabilities into their own systems. APIs are provided to merchants during the sign-up process once assigned a sales representative.
What industry is Epoch in?
Epoch's product category is Online Payment Processing. Its primary akta.pro industry code is BPAMAFAA, Payment Gateways & Orchestration, with a secondary code of CRAFALAH, Recurring Billing, Subscriptions & Tokenized Payments. Its NAICS code is 5132 and its SIC code is 7370.