Electronic Processing Services Review

Bottom line

For merchants who love 24/7 customer service

Visit Electronic Payment Systems


Electronic Processing Services provides credit card processing services and round-the-clock customer service for small and mid-sized businesses

Best For: 

Best for small to mid-sized businesses who want dedicated, U.S.-based customer service


  • 24/7/365 U.S.-based toll-free customer service line
  • Extensive customer resources available via website
  • Accepts Visa, MasterCard and Discover
  • Specializes in small to mid-sized businesses and high risk merchants
  • In-depth information regarding the approval and setup process


  • Requires additional approval to accept AMEX and JCB payments
  • High early termination fee
  • Auto-renewal contract
  • Lack of clarity regarding equipment purchase and/or leasing

Ease of Setup

At first glance, Electronic Processing Services (EPS) appears to have a fairly straightforward application process. Its contract is available in PDF form via its website and can be filled out either online or manually - leaving plenty of time to read through the fine print without rushing.

As per its service contract, it appears that EPS offers terminals and equipment for lease or for purchase through a third-party provider, but this information is not elaborated upon on their website.

The approval rate for new merchants appears to be high, with claims on its website stating that pre-approved applicants may be processing their first payments with EPS in as little as 2 hours. Its advertised willingness to partner with high-risk merchants also indicates a high approval rate. They also have recently updated their merchant application process page with details about the ease of setup.

electronic payment systems has an informative application process page


Aside from traditional Credit Card Processing (CCP) and Payment Processing (PP) services, EPS offers a choice range of services to help new merchants manage other aspects of their growing businesses.

If you are operating an e-commerce site, EPS can provide web and SEO optimization, as well as digital marketing solutions through its subsidiary, SEO Boost for Business.

An EZ Payment Plan is a flexible solution for customers who wish to purchase big ticket items up to the value of 5K, but - for whatever reason - cannot use their credit card at the time of sale. This can be useful for mechanics, dentists, building contractors, jewelry and furniture stores, who tend to run into these types of customers more frequently than other businesses.

EPS also offers a cash advance program that helps match merchants with suitable lenders, who can provide them with a much-needed cash boost to support their fledgling business in exchange for a percentage of future Credit Card (CC) transactions. With fast approval times and flexible payment options, a cash advance can be useful for merchants who may find it difficult to secure a traditional loan. However, cash advances may incur higher interest rates or have strict criteria that must be met, so ensure you are completely aware of all fees and charges when applying.

Customer Support

EPS offers several different venues for customer support including a 24/7/365 toll-free support line, which is serviced by a completely U.S.A.-based, dedicated customer service team.

Its Frequently Asked Questions (FAQ) page addresses new and existing merchants’ most pressing questions, and its Payment Terms Glossary provides clear definitions and explanations of the most common CCP processes. Additional information is provided by the EPS Blog, where real-life merchant scenarios are analyzed in a down-to-earth, engaging manner.

EPS can also be contacted via a ticket system, and though merchants have reported being able to contact them via email, a specific address is not provided via its website.

It would be difficult to write a completely honest review without taking into account the number of complaints EPS has received from previous customers. At the time of writing, EPS has responded to these complaints and is in the process of resolving them. In the meantime, they have stepped up to the plate and have completely overhauled their customer service protocol, and are working hard and fast to improve the clarity of their contracts, fees and charges in order to prevent similar issues in the future.

Rates & Fees

With regard to fees and rates, many charges are spelled out clearly in the Pricing Schedule section of the EPS contract. However, some charges are not quantified, indicating there may be some room for negotiation.

EPS’s services are provided through an auto-renewing one or two year contract, whereby the merchant is required to notify EPS if they wish to cancel their contract in the 90 days prior to its automatic renewal. If a merchant wishes to cancel their contract at another time outside this window, an early termination fee of $295.00 is incurred.

Other fees outlined in its charter include an Annual Fee of $99.95, a PCI-DSS Compliance fee of $99.95 (per terminal), monthly administration, internet/gateway and wireless access fees - not including equipment lease or purchase fees. And while it appears that there are many additional charges, EPS’s transparency about them is refreshing. With that in mind, it’s always wise to read through the Terms and Conditions of any contract carefully to ensure you understand it fully before signing.

Processing Options

To suit a variety of small and mid-sized businesses in service, contract, and hospitality industries, EPS provides several flexible payment processing options.

In-person transactions, mobile, payment gateway and virtual terminal processes can be completed through EPS, and checks may be processed through its partner service, ElectCheckPlus.

Physical terminals come chip (EMV) and mobile wallet-equipped, and both physical and virtual terminals are PCI-DSS compliant to adhere to the highest standards of encryption and security. In addition, EPS can supply mobile card readers, allowing businesses to accept mobile payments wherever they may be.

Accepted Payment Types

EPS accepts credit and debit cards from the three largest institutions, Visa, MasterCard and Discover. They also accept American Express (AMEX) and JCB, but merchants are required to get additional authorization in order to process payments with these cards.

Checks can also be processed with EPS through their partner service ElectCheckPlus, although this service incurs additional fees and charges which are outlined in their contract.

With regards to gift/loyalty cards and mobile payments, statements on the EPS website indicate that it processes them, but further information with regards to device compatibility and pricing is lacking.


EPS has a long track record of providing CCP and other payment processing services to a wide range of mid-sized retail, hospitality and service businesses, in addition to high risk ventures. While EPS is careful to disclose many fees and charges, some aspects of its services require more transparency, and it has received numerous complaints. However, EPS is taking a step in the right direction and is rectifying the situation to ensure it provides better services both for its existing - and future - merchants.

Visit Electronic Payment Systems


Advertising Disclosure

This site is a free online resource that strives to offer helpful content and comparison features to its visitors. Please be advised that the operator of this site accepts advertising compensation from companies that appear on the site, and such compensation impacts the location and order in which the companies (and/or their products) are presented, and in some cases may also impact the rating that is assigned to them. To the extent that ratings appear on this site, such rating is determined by our subjective opinion and based on a methodology that aggregates our analysis of brand market share and reputation, each brand's conversion rates, compensation paid to us and general consumer interest. Company listings on this page DO NOT imply endorsement. Except as expressly set forth in our Terms of Use, all representations and warranties regarding the information presented on this page are disclaimed. The information, including pricing, which appears on this site is subject to change at any time.


Top 5 Merchant Services Sites