What eProcessing Network does

eProcessing Network, LLC is a Houston, Texas-based, founder-owned payment gateway and software development company founded in 1996 by Steve Sotis. The company provides a modular, PCI-compliant payment processing platform spanning Java-based POS (ePNJPOS), mobile payments (ePNMobile), eCommerce (ePNWOFG, ePNCart), email billing (ePNBillPay), inventory management (ePNInventory), customer data management (ePNCDM), recurring billing (ePNRecur), Level III B2B/B2G processing, and QuickBooks integration (ePNPlugin, ePNSync). It supports credit, debit, NFC, EMV, PIN Debit, ACH/check, gift card, and loyalty transactions, with EMV certifications across Worldpay, First Data, TSYS, Global Payments, and Elavon processing platforms.

Underlying technology includes proprietary APIs (Transparent Database Engine, Database Engine) and a Mobile SDK for iOS/Android, plus Authorize.Net emulation (AIM, SIM, DPM, CP) that enables straightforward migration from competing gateways. Hardware integrations span Castles Technology MP200, PowaPOS T25, Epson printers, and the proprietary PREMIER*Verify* EMV reader line. A 2022 partnership with Paya added first-to-market mobile Remote Deposit Capture functionality through device cameras.

The business operates exclusively through a channel partner model targeting Independent Sales Organizations (ISOs), Merchant Service Providers (MSPs), and individual resellers, with no direct-to-merchant sales. Revenue is generated via per-transaction processing fees on an a la carte basis plus subscription revenue from optional software modules, with no publicly disclosed pricing tiers. The company targets SMB merchants across retail, MOTO, and eCommerce verticals and is independently held with no disclosed institutional funding or parent company.

Name

eProcessing Network

Legal name

eProcessing Network, LLC

Website

https://eprocessingnetwork.com

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

11–50 employees

Short description

eProcessing Network is a founder-owned, Houston-based payment gateway founded in 1996 that provides PCI-compliant POS, mobile, and eCommerce processing exclusively through a channel partner network of ISOs, MSPs, and resellers serving SMB merchants.

Ownership category

akta.pro rank

Product category

Payment Gateway / Payment Processing Software

NAICS

Software Publishers (5132), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518210)

SIC

Services-Prepackaged Software (7372), Services-Computer Integrated Systems Design (7373), Services-Computer Processing & Data Preparation (7374)

akta.pro primary industry

Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)

akta.pro secondary industries

Integrated Payment Processors (PSP/Acquirer) (FSAMABAA), POS Payment Software & Middleware (Terminal OS, Apps, Device Management) (FSAMADAC), In-Store Contactless & NFC Acceptance (Tap-to-Pay, EMV Contactless) (FSAMADAF), Recurring Billing, Subscriptions & Tokenized Payments (CRAFALAH)

Keywords

• Payment gateway services
• EMV point of sale
• Mobile payment processing
• ECommerce payment integration
• Payment processing software

Headquarters

HQ city

Houston

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction Processing Fees: Revenue generated from processing credit card, debit card, NFC, ACH/check, gift card, and loyalty transactions. The company operates on an 'a la carte' model where merchants pay only for the solutions that fit their business needs.
2. Software Licensing and Subscriptions: Revenue from optional services including ePNInventory, ePNRecur, ePNBillPay, Customer Data Manager, and QuickBooks integration plugins

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

eProcessing Network sells a cloud-based PCI-compliant payment gateway and suite of payment-processing software that enables merchants to accept credit, debit, PIN, NFC, ACH/check, gift card, and loyalty transactions across POS, mobile, and eCommerce channels. The platform is delivered through modular 'a la carte' products including ePNJPOS (Java POS), ePNMobile (smartphone/tablet payments), ePNWOFG/ePNCart (web order forms/shopping cart), ePNOnline Terminal, and developer APIs (TDBE, DBE, Mobile SDK, Authorize.Net emulation), sold exclusively through ISO/MSP/reseller channels.

Product overview

eProcessing Network is a payment gateway and software development company offering a modular platform of payment solutions. The core offerings include ePNJPOS (Java Point of Sale for Windows), ePNMobile (mobile payments for iOS/Android), ePNWOFG and ePNCart (eCommerce solutions), and the ePN Online Terminal. These are supported by add-on modules including ePNBillPay, ePNInventory, ePNCDM (Customer Data Manager), ePNRecur (recurring billing), Level III Processing, and QuickBooks integration tools (ePNPlugin, ePNSync, ePNSync Online). Developer integrations include TDBE, DBE, Mobile SDK, and Authorize.Net emulation. The platform includes built-in Fraud Control features (AVS, CVV2, velocity controls) and Master Accounts for multi-location management. The company partners with Paya for mobile remote deposit capture and supports various EMV card readers and POS hardware.

Differentiator

Problem solved

Functional benefit

Brands

• ePNJPOS: Java Point-of-Sale software for 64-bit Windows-based PCs and laptops that interacts with the cloud-based gateway for secure credit, PIN Debit, signature capture, check, and NFC transactions.
• ePNMobile
• ePNWeb/ePNWOFG
• ePNCart
• ePNBillPay
• ePNInventory
• ePNCDM
• ePNRecur
• ePNMasterAccts
• ePNSync
• ePNPlugIn
• PREMIER*Verify*
• ePNSDK
• TDBE
• DBE

Products and services

• ePNJPOS (Java Point of Sale) Java-based Point of Sale software for 64-bit Windows PCs and laptops that integrates with ePN's cloud-based gateway to securely process credit, PIN Debit, signature capture, check, inventory, Android Pay, Apple Pay, and NFC transactions. Supports multiple terminals, clerk management, detailed transaction reporting, and QuickBooks sync.
• ePNMobile Mobile payment suite for on-the-go merchants to process any electronic payment from smartphones or tablets. Supports encrypted card readers for swiped rates, multiple device consolidation, inventory sales, signature capture, and integrates with mobile remote deposit capture.
• ePNWOFG (Web Order Form Generator) PCI compliant web order form generator that creates HTML code for web pages, with template-driven design for online bill payment, donations, membership renewals, fundraising, recurring billing, and single-page eCommerce.
• ePNCart Simple shopping cart solution allowing merchants to payment-enable existing static websites with customized buy buttons containing product-specific pricing, processed via ePN PCI-compliant servers with SSL encryption and real-time approval/decline.
• ePNBillPay Email billing solution allowing businesses to generate and distribute invoices via email, reducing paper invoice costs. Customers pay securely through the ePNSecure payment page.
• ePNInventory Integrated inventory management solution enabling merchants to manage inventory levels with automated alerts and product-level sales tracking. Cloud-based with real-time inventory adjustments across Online Terminal, ePNJPOS, and ePNMobile.
• ePNCDM (Customer Data Manager) Centralized customer database portal for connecting and managing customer information, enabling storage of payment methods, bill-to/ship-to addresses, one-time and recurring charges, transaction history, and data import/export.
• ePNRecur Recurring transaction processing service allowing merchants to sell merchandise in installments or offer subscription/membership billing with customizable intervals (weekly, monthly, 60/90 days), specific payment counts or indefinite charging.
• Level III Processing Enhanced data processing for merchants with corporate and government clients. Passes detailed transaction information to qualify for lower Level III rates. Supported on TSYS, First Data (North), and Elavon platforms.
• ePNPlugin for QuickBooks QuickBooks integration solution with detailed transaction and batch reporting, hands-off scheduled synchronization of payment data to QuickBooks Pro, Premier, and Enterprise.
• ePNSync Lighter-weight QuickBooks synchronization tool for merchants who prefer not to use full invoicing/payment features. Syncs payment transaction data to QuickBooks Pro, Premier, or Enterprise.
• ePNSync Online QuickBooks Online synchronization tool allowing automatic and transparent syncing of payment transaction data from any ePN payment acceptance solution to QuickBooks Online accounts.
• Master Accounts Management tool for businesses with multiple locations enabling central or corporate locations to view transaction activity for all sub-accounts. Includes Master Reporting and Master Processing tiers.
• Fraud Control Integrated fraud protection including AVS address verification, CVV2 card verification, block specific integrations, disable refunds, IP address blocking, velocity controls, and customized transaction handling with AuthConvert.
• ePNOnline Terminal Web-based terminal for processing credit card transactions directly through the Merchant Support Center. Supports all transaction types including sale, auth only, void, return, and recurring.
• ePN Texting SMS text messaging solution enabling small to mid-sized merchants to communicate with and retain customers via mobile messaging.
• ePN Payment Form Generator (ePNPFG) Online payment system allowing merchants to create secure payment forms hosted on ePNSecure Servers with unique URLs for sharing via texts, emails, social media, and printed invoices. Also supports self-hosting via HTML code.
• Mobile Remote Deposit Capture (mRDC) Mobile check deposit functionality through Paya partnership enabling check acceptance via device camera for small-to-mid-sized merchants.
• TDBE (Transparent Database Engine) API allowing websites or applications to collect customer and order information and process credit card, debit card, gift card, and check transactions directly from own servers with TLS v1.2 or higher.
• DBE (Database Engine) Integration method for merchants who collect and save customer/order data to their own database but use ePN's secure hosted page for credit card data collection with real-time processing.
• Mobile SDK Software Development Kit for iOS and Android platforms providing framework for processing swiped and keyed transactions via ePN's secure gateway with encrypted card reader support.
• Authorize.Net Emulation Emulation of Authorize.Net API methods (AIM, SIM, DPM, CP) allowing developers who have integrated Authorize.Net to easily utilize ePN transaction processing services by changing endpoint URL.
• PREMIER*Verify* SC EMV chip card reader with Magnetic Stripe Card Reader, Bluetooth and Micro USB connectivity, lithium polymer rechargeable battery, TDES encryption. For use in ePNMobile, ePNJPOS, ePNPlugIn and Online Terminal.
• PREMIER*Verify* SCN EMV-certified reader supporting MSR, EMV-chip, and contactless payments (Google Pay, Apple Pay). Dual-purpose reader with over-the-air firmware updates. EMV-compliant for iOS/Android platforms or USB/Bluetooth for Windows environments.

Quantifiable outcome

• Merchants may qualify for lower Level III Enhanced Data processing rates by passing detailed transaction information
• +2 more outcomes

Named customers1 record

Segments6 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature14 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• Paya (NASDAQ: PAYA)coreTechnology or Integration · 21 December 2022Strategic partnership to offer first-to-market mobile Remote Deposit Capture (mRDC) functionality through Paya and ePNMobile payment applications. Provides small-to-mid-sized merchants with check acceptance functionality through their device's camera.
• Worldpay (FIS)coreTechnology or Integration · 7 February 2022Certified to accept and process NFC, EMV, PIN Debit, Restaurant, and eCommerce transactions through Worldpay's processing platform. Partnership offers small-to mid-sized merchants end-to-end, secure, and PCI-compliant payment processing.
• First Data (Omaha, Nashville, North platforms)coreTechnology or IntegrationEMV-certified through First Data Omaha Platform with Castles Technology MP200 terminal. Supports Retail, MOTO, eCommerce industries with Auth Only, Sale, Returns, Ticket Only, Void Sale, Credit, PIN Debit, Recurring, Prior/Force, Batch Settlement/Deposit, and Level III transactions.
• TSYS Acquiring SolutionscoreTechnology or IntegrationEMV-certified through TSYS processing platform. Supports Retail, MOTO, eCommerce with full transaction type coverage including Level III enhanced data processing.
• Global Payment Systems (East)coreTechnology or IntegrationEMV-certified through Global Payments Platform with Castles Technology MP200 and EK2 terminals. Supports Auth Only, Sale, Returns, Ticket Only, Void Sale, Credit, PIN Debit, Recurring, Prior/Force, and Batch Settlement/Deposit.
• ElavoncoreTechnology or IntegrationEMV-certified through Elavon Payments Platform. Supports Retail, Direct Marketing, eCommerce (with 3D Secure and UCAF). PC Level III EMV-certified through Elavon. PREMIER*Verify SC, WisePad 2, and WisePad 2 Plus certified.
• The Green Sheet Advisory BoardminorStrategic or Co-development PartnereProcessing Network President Steve Sotis serves as a long-time member of the Green Sheet Advisory Board, providing industry insights on EMV, mobile payments, COVID-19 impact, and supply chain challenges.
• Northeastern Acquirers Association (NEAA)minorStrategic or Co-development PartnereProcessing Network joined the NEAA Advisory Board with Director of Partner Development Melanie Cabello elected to Advisory Board position.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Stripe: Stripe is the dominant online payment platform serving developers, SMBs, and enterprises with API-first gateway services. eProcessing Network's TDBE and DBE APIs and Authorize.Net emulation target the same developer ecosystem.
• Authorize.Net (Visa): Authorize.Net is one of the largest payment gateways in the U.S., now owned by Visa. eProcessing Network's Authorize.Net emulation capability explicitly targets merchants and developers already integrated with Authorize.Net, signaling direct competitive overlap.
• Square (Block, Inc.): Square provides integrated POS, mobile payments, and online checkout tools for SMBs across retail and eCommerce — overlapping substantially with eProcessing Network's ePNJPOS, ePNMobile, and ePNWeb product lines.

Direct peers

• PaymentCloud: PaymentCloud specializes in high-risk and SMB merchant account services with gateway integrations, serving a similar ISO/reseller-driven SMB segment as eProcessing Network.
• USAePay: USAePay is a payment gateway that serves SMB merchants through an ISO/reseller channel with mobile, POS, eCommerce, and recurring billing offerings — directly comparable to eProcessing Network's product suite and channel model.
• Gravity Payments: Gravity Payments is an SMB-focused payment processor serving retail and service merchants with POS, virtual terminal, and mobile solutions — a comparable SMB-centric payment services competitor.
• PayJunction: PayJunction is a payment gateway and virtual terminal provider focused on SMBs with developer APIs and POS integrations — closely aligned with eProcessing Network's ePNJPOS and ePNWeb product positioning.
• NMI (Network Merchants Inc.): NMI is a payment gateway provider that primarily serves ISOs, ISVs, and resellers with white-label payment processing — the same channel-driven, SMB-focused model eProcessing Network operates. Both companies emphasize multi-processor flexibility and developer-friendly APIs.
• BluePay (NMI company): BluePay provides payment processing for SMBs across retail, MOTO, and eCommerce with mobile and POS support — overlapping with eProcessing Network's SMB merchant focus and product breadth.

Emerging players

• Stax (formerly Fattmerchant): Stax offers subscription-based payment processing with transparent pricing aimed at SMBs, including POS and invoicing. While newer and more cloud-native, it competes for the same SMB merchant segment as eProcessing Network.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/user/eProcessingNetwork
• Facebookfacebook.com/eProcessingNetwork
• LinkedInlinkedin.com/company/eprocessing-network
• Xx.com/eprocessingnet

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about eProcessing Network