eProcessing Network Review

eProcessing Network (ePN) is a payment gateway run by eProcessing Network, LLC in Houston, Texas, and has been online since at least 2000. It is not a processor and does not offer merchant accounts. You need a merchant account with an acquiring bank, and ePN connects your website, virtual terminal, POS software or mobile app to that account through processing platforms including Fiserv's First Data, TSYS, Global Payments, Elavon, Chase Paymentech, Worldpay and EPX. It also connects to several ACH, check and gift card providers. ePN sells only through resellers: ISOs, merchant service providers and their agents. It publishes no prices. Its own merchant service agreement has blanks for a monthly gateway fee and a per-transaction fee, so what you pay depends on the reseller. The product range is broad and practical for a small US merchant: an online terminal, hosted order and payment forms, a shopping cart, an Authorize.Net emulation mode (on some processor platforms), recurring billing, invoicing, customer storage, Level III data, QuickBooks sync, Windows POS software and a mobile app. Fraud filters are included with every gateway account. The tooling looks dated, and the company has posted no news since March 2023. Support was the weak point in July 2024. Hurricane Beryl and the CrowdStrike outage hit together, and BBB complaints from that month describe unanswered calls and batches that did not settle, and two later complaints describe billing that continued after merchants asked to cancel.

What eProcessing Network is

eProcessing Network, LLC, usually shortened to ePN, is a payment gateway company in Houston, Texas, at 1415 North Loop West. It calls itself a software development company that specialises in secure real-time transaction processing. Its gateway takes card, PIN debit, ACH/check, gift card and loyalty transactions from a merchant's website, terminal or app and passes them to the processor behind the merchant's own account. It is a long-running business, but the founding year is not settled. The earliest archived copy of its website, from December 2000, carries a 2000 copyright notice. The BBB lists the business as started on 1 March 2000. ePN's own news page points earlier: a 2017 Green Sheet interview it reprints says the company has offered software services to the payments industry since 1996, business directories such as Crunchbase also give 1996, and in a November 2024 BBB response the company said it had operated in the gateway industry for nearly 30 years. Because the company's 1996 date and the BBB's 2000 start date disagree, we do not state a year. ePN's news page describes Steve Sotis as its founder and president (2011 and 2017) and, in 2019, as founder and CEO; the BBB profile now lists Gerald Putney as CEO. We found no published announcement of a change in ownership.

Why we list it as a payment gateway

ePN does not hold the merchant agreement. Its FAQ is blunt: eProcessing Network does not offer merchant accounts, does not profit from them and is not a party to merchant account agreements. Each merchant signs with an acquiring bank, usually through an ISO or merchant service provider. ePN routes the transactions and returns the bank's response, and the acquirer funds the merchant. The company sells only through that channel. A 2011 press release says it sells exclusively through the ISO sales channel, and its reseller page says it sells only through registered ISOs, MSPs or salespeople registered with them. That is a gateway in the plainest sense. The gateway contract and fees are ePN's, and the processing contract belongs to someone else.

What it costs

ePN publishes no prices. The Merchant Service Agreement on its website (a one-page form last modified in October 2024) authorises ePN to debit the merchant's bank account on the first business day of each month for three fees, all left blank for the reseller to fill in:

• A monthly fee for the secure transaction processing gateway.
• A per-transaction fee for each of the first 250 transactions processed in the previous month.
• A per-transaction fee for each transaction over 250.
• Optional services such as recurring billing (ePNRecur), the shopping cart (ePNCart) and the Internet Basic account needed for the order form generator are added by your sales office. The FAQ does not price them.
• The form says these fees are in addition to any fees charged by your merchant account bank.

So a merchant on ePN pays two bills: one from ePN for the gateway and one from the processor for the merchant account. Card processing rates, chargeback costs and the processing contract's own terms come from the merchant account (ePN's FAQ refers merchants to their merchant account agreement for rates and chargebacks), and rates are quoted per account by whoever provides it. Third-party sites quote typical ePN gateway fees, but ePN has not published them, so we do not repeat them here. Ask your reseller for the gateway fee, the per-transaction fee, any add-on fees and any setup fee in writing. A 2012 reseller page on ePN's site mentions an account setup fee, but we have not seen a current amount.

How it works

Once your reseller boards you, ePN connects your account to your processor's platform. It lists certifications on First Data's Omaha, Nashville and North platforms, TSYS, Global Payments, Elavon, Chase Paymentech, Worldpay (added in 2022) and EPX, plus check, ACH and gift card providers. You take payments through the browser-based Online Terminal, a hosted order or payment form, ePNCart, the Windows POS software, the ePNMobile app or your own integration. Developers can use the Transparent Database Engine API, a hosted Database Engine page, a mobile SDK or ePN's Authorize.Net emulation, which accepts requests written for Authorize.Net's AIM, SIM, DPM and card-present methods (ePN lists the AIM emulation as available on First Data Omaha, TSYS, Global and Elavon). TLS 1.2 or higher is required, and test accounts are issued on request.

Fraud controls come with every gateway account. You can decline or hold transactions based on 18 AVS and 6 CVV2 response combinations, cap approved or declined attempts per IP address over a time window to stop card testing, block IP addresses or whole integration types, and stop refunds coming through the API. ePN processes transactions as sales by default, so AVS and CVV2 results do not affect approval until you turn these rules on. Our reading of ePN's documentation is that this is worth doing on day one for any online merchant.

Around the gateway sit recurring billing, a customer data manager for stored payment methods, emailed invoices, inventory, QuickBooks sync, master accounts for multi-location businesses and Level III data for business and government card sales. It is a wide set for a small company. Much of it looks and reads like software from the 2000s and 2010s. The SDK agreement still refers to an audio-jack card reader, and the most recent news item on the site is from March 2023.

Payouts and settlement

ePN never holds your money. It obtains approvals in real time, saves approved transactions into a batch and closes the batch daily, emailing a Close Batch Report as proof that the processor accepted it. Funding then depends on your agreement with your acquiring bank, which ePN's FAQ says is often 48 to 72 hours. The weak point is the link between gateway and processor. If that link fails, a batch can stay open, and authorisations can expire before it settles. That is what happened to some merchants in July 2024, and fixing it meant the processor force-closing the batch or the merchant re-entering sales.

Contract and cancellation

ePN's own agreement is light. The posted form is an ACH debit authorisation with no stated contract length or early-termination fee, and it stays in force until ePN receives written notice that you are ending it. Your reseller's paperwork and your merchant account agreement may add terms, so read both. The practical trap is that you have two relationships: closing the merchant account does not stop ePN's monthly debit, and closing ePN does not stop the processor's. Two BBB complaints from late 2024 and early 2025 turned on exactly this. In one, ePN said the merchant had kept the account open after a call with its staff. In the other, it said the remaining charges were the processing partner's, not ePN's. Cancel both in writing and keep the confirmations.

Reputation and complaints

As of 18 October 2026, the BBB shows eProcessing Network as not accredited and Not Rated, because its file information is being reviewed or updated. It lists five complaints in the past three years and none in the past 12 months. Three were filed in late July 2024; a fourth, filed in November 2024, concerns the same events; and a fifth, from January 2025 and marked resolved, concerns charges after cancellation that ePN says came from the merchant's processing partner. Merchants describe batches that did not settle from about 20 July, deposits not arriving, and calls to tech support that rang out to voicemail for days. ePN's responses blame two events: Hurricane Beryl, which it says left its Houston-based support team without power for over a week from 8 July, and the CrowdStrike outage of 19 July, which it says cut the connection to processors. ePN said it worked through the backlog, offered one long-standing merchant a refund of its fees from July onward (mailing a check when the bank rejected the refund) and has since hired support staff outside the Houston area. One merchant who had used ePN for years said the silence lasted weeks, not days, and that billing continued for months after a July cancellation email; ePN said it had treated the cancellation as withdrawn after a call with its staff. Trustpilot has only three reviews of ePN, none in the past year, on an unclaimed profile. They show a TrustScore of 3.0, although the reviews themselves are one 4-star and two 1-star, so the sample tells you little. Our searches found no lawsuit or regulatory action naming eProcessing Network.

Who should use eProcessing Network

ePN makes sense for a US merchant whose ISO or merchant services provider already offers it and who wants one gateway for online, virtual terminal, POS, mobile and recurring payments, or who needs an Authorize.Net-compatible gateway on a supported processor platform. It also suits B2B and government sellers who want Level III data on TSYS, First Data North or Elavon. It is a poor fit if you want published pricing, want to sign up directly, want one company handling both the gateway and the merchant account, or need support at weekends. Before you sign, get the gateway fees in writing from your reseller, ask what happens if the gateway and processor lose contact, and confirm how to cancel both contracts.