Electronic Paymentsalition

What Electronic Paymentsalition does

The Electronic Payments Coalition (EPC) is a Washington, DC-based membership trade association founded in 2010 that represents credit unions, community banks, payment card networks (including Visa, Mastercard, American Express, and Discover), and other financial institutions in advocacy for the U.S. electronic payments ecosystem. The coalition's stated mission is to protect the security, reliability, and accessibility of electronic payments, with its principal campaign directed at opposing the Durbin-Marshall Credit Card Mandates and state-level interchange fee legislation such as Illinois' Interchange Fee Prohibition Act and Colorado's SB26-134. EPC does not develop or sell technology products; its core "products" are policy advocacy, commissioned economic research (including an Oxford Economics study projecting $227 billion in economic loss and 156,000 jobs at risk from credit card mandates), published press releases, formal regulatory comments, amicus briefs, and statewide paid advertising campaigns. Its membership footprint spans nearly 5,000 community bank charters across nearly 50,000 branches, more than 5,000 credit union charters with nearly 22,000 locations, and 140+ million American consumers served by member institutions across all 50 states.

EPC's business model is a subscription-recurring membership dues structure funded by its member organizations, supplemented by commissioned research and in-kind advocacy support from coalition partners including the Independent Community Bankers of America, America's Credit Unions, the American Bankers Association, all 50 state banking and credit union associations, and adjacent industry and community groups (Airlines for America, IAM Union, NAACP). The organization is led by Executive Chairman Richard Hunt and Managing Director of U.S. Government Affairs Erik Johnson (appointed May 2026), operates with 51-100 employees, and maintains a Washington, DC headquarters consistent with its federal regulatory and congressional engagement focus. EPC has secured several measurable regulatory and judicial wins in 2025-2026, including OCC and NCUA preemptive rules against Illinois' IFPA, a federal permanent injunction, a Seventh Circuit remand, and a Colorado gubernatorial veto — outcomes that reinforce its value proposition to member institutions.

Name

Electronic Paymentsalition

Legal name

The Electronic Payments Coalition

Website

https://electronicpaymentscoalition.org

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

51–100 employees

Short description

The Electronic Payments Coalition is a Washington, DC-based membership trade association, founded in 2010, that represents credit unions, community banks, and payment networks in federal and state advocacy opposing credit card interchange mandates and related regulations.

Ownership category

akta.pro rank

Headquarters

HQ city

Washington

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations

Revenue model

1. Membership Dues and Contributions: EPC is funded by its member organizations including credit unions, community banks, payment card networks, and financial institutions. These members contribute dues to support the coalition's advocacy activities, research, public education campaigns, and lobbying efforts against credit card mandates.

Go-to-market motion2 records

Marketing channels7 records

Core offering

The Electronic Payments Coalition (EPC) is a Washington, DC-based trade association and advocacy organization that represents credit unions, community banks, payment card networks, and financial institutions. Its core activity is policy advocacy, research publication, coalition-building, and public education to protect the U.S. electronic payments ecosystem from harmful legislation such as the Durbin-Marshall Credit Card Mandates and state-level interchange fee laws. The organization is funded by member dues and conducts lobbying, amicus briefs, statewide advertising campaigns, and grassroots organizing.

Product overview

The Electronic Payments Coalition (EPC) is not a product company but rather an advocacy organization and coalition representing credit unions, community banks, payment card networks, and financial institutions. EPC's activities center on policy advocacy, research publication, and public education regarding electronic payments, interchange fees, credit card rewards, and consumer protections. The organization does not offer commercial products or services but instead provides research reports, policy positions, press releases, and educational resources about the electronic payments ecosystem.

Differentiator

Problem solved

Functional benefit

Products and services

• EPC Membership

Quantifiable outcome

• Interchange fees have remained steady for nearly a decade, not rising as claimed by mandate supporters
• +3 more outcomes

Named customers5 records

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Twelve partnerships are on record, tiered core and minor.

• Independent Community Bankers of AmericacoreStrategic or Co-development PartnerNational trade association representing community banks; co-signed coalition letters opposing Durbin-Marshall Credit Card Bill. Represents nearly 5,000 community bank charters across nearly 50,000 branches.
• America's Credit UnionscoreStrategic or Co-development PartnerNational trade association for credit unions; co-signed coalition letters opposing Durbin-Marshall Credit Card Bill. Represents more than 5,000 credit union charters with nearly 22,000 headquarters, branches, and other locations representing over 140 million Americans.
• American Bankers AssociationcoreStrategic or Co-development PartnerNational banking industry association; co-signed coalition letters opposing Durbin-Marshall Credit Card Bill.
• All 50 State Banking and Credit Union AssociationscoreStrategic or Co-development PartnerCoalition of state-level banking and credit union associations from all 50 states united in opposition to Durbin-Marshall mandates. Includes state bankers associations and credit union leagues coordinating advocacy efforts.
• Office of the Comptroller of the Currency (OCC)coreOthersFederal banking regulator that filed amicus brief opposing Illinois credit card law, agreeing with EPC's position that state interchange laws are preempted by federal law. OCC issued interim final rule confirming national banks are exempt from Illinois IFPA.
• National Credit Union Administration (NCUA)coreOthersFederal credit union regulator that reaffirmed federal credit unions are exempt from Illinois interchange law, consistent with OCC action, protecting credit union members from harmful state mandates.
• Oxford EconomicsminorStrategic or Co-development PartnerGlobal economic advisory firm commissioned by EPC to study economic impact of Durbin-Marshall Credit Card Bill. Study projects $227 billion loss in economic output and 156,000 job losses if mandates pass.
• University of Miami School of FinanceminorStrategic or Co-development PartnerAcademic research institution studying impact of credit card mandates on community banks, credit unions, and consumers. Found mandates would reduce credit access in smaller markets, disproportionately affecting low-income households.
• Managed Funds AssociationminorOthersIndustry association where new EPC Managing Director Erik Johnson previously served as Vice President of U.S. Government Affairs, bringing experience and relationships to EPC's advocacy efforts.
• Airlines for AmericaminorStrategic or Co-development PartnerAirline industry trade association whose members benefit from co-branded credit card rewards programs. Opposes legislation that would reduce rewards and harm travel industry.
• Labor Unions (IAM Union, Association of Flight Attendants-CWA)minorStrategic or Co-development PartnerLabor organizations opposing credit card mandates that would harm airline industry jobs and travel-related employment. United in coalition with EPC against harmful legislation.
• Consumer and Community Organizations (NAACP, Colorado Black Women for Political Action)minorStrategic or Co-development PartnerCommunity advocacy organizations warning that credit card mandates would harm working families by limiting access to affordable credit and weakening rewards programs.

Scale indicators10 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Bank Policy Institute: Advocacy organization for leading U.S. banks, formed from the merger of The Clearing House Association and the Financial Services Roundtable. Engages in payments and regulatory policy advocacy directly comparable to EPC.
• The Clearing House: Bank-owned payments association operating The Clearing House Interbank Payments System. A payments-rail operator and policy advocate with deep regulatory relationships comparable to EPC's footprint in D.C.
• Electronic Transactions Association: Trade association for the payments industry, representing networks, processors, and FinTechs. Closest peer by direct payments focus; overlaps with EPC on interchange, fraud, and payments modernization advocacy.
• Consumer Bankers Association: Trade association for retail banking; engages in payments and interchange policy advocacy. Comparable member-funded D.C.-based advocacy model targeting legislative and regulatory outcomes.
• America's Credit Unions: National credit union trade association formed from the CUNA/NAFCU merger; a core EPC partner co-signing coalition letters. Directly comparable mission, advocacy model, and member-based funding structure.
• Merchants Payments Coalition: Merchant-side advocacy coalition pushing the opposite policy position—lower interchange and credit card mandates. Same advocacy architecture, same coalition-letter model, opposing policy thesis; ideal counter-peer for understanding competitive pressure on EPC.
• American Bankers Association: Largest U.S. banking trade association; co-signs EPC's coalition letters against Durbin-Marshall. Same federal advocacy GTM, larger membership base, and overlapping payments policy agenda.
• Independent Community Bankers of America: National trade association representing community banks; a core EPC coalition partner that co-signs letters opposing Durbin-Marshall and state interchange laws. Operates the same advocacy/playbook model on overlapping policy issues.

Others

• National Retail Federation: Largest U.S. retail trade association and a leading proponent of interchange reform. Indirect counterpart to EPC rather than a coalition partner, but the most consequential merchant-side organization shaping the political terrain EPC operates in.

Broad incumbents

• U.S. Chamber of Commerce: Largest broad-based U.S. business advocacy organization with significantly greater resources. Frequently aligns with EPC's pro-payments positions on regulatory and tax issues and amplifies coalition signals to Congress and the administration.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks1 record

Key highlights7 records

Customer concentration

• Xx.com/epc_updates
• Facebookfacebook.com/electronicpaymentscoalition
• LinkedInlinkedin.com/company/the-electronic-payments-coalition

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 Electronic Paymentsalition