Electronic Payment Exchange Review


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Electronic Payment Exchange

Last Updated: January 31, 2014

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Electronic Payment Exchange Overview

Electronic Payment Exchange Logo

Electronic Payment Exchange Logo

Electronic Payment Exchange (epx.com) is an international merchant account provider that serves businesses in the retail, internet, health care, insurance, and banking industries. The company, launched in 1979, offers PCI-compliant credit card, debit card, and ACH payment processing services, as well as web-based tools for data analysis, reporting, and chargebacks. Electronic Payment Exchange also operates under the name of Phoenix Payment Systems. The company is headquartered at 1201 N. Market Street, Suite 701, Wilmington, Delaware 19801. Electronic Payment Exchange is a registered ISO/MSP of The Bancorp Bank of Philadelphia, Pennsylvania.

Electronic Payment Sales & Marketing Tactics | A+

Electronic Payment Exchange appears to market itself through an in-house sales team and various partnerships. There is no indication that the company employs independent agents at this time, and we are currently unable to locate any negative Electronic Payment Exchange reviews that accuse the company’s sales team of unethical tactics. The company also does not appear to engage in deceptive advertising strategies in its official materials.

Electronic Payment Costs & Contract Terms | A

There is very little information available at this time about the standard Electronic Payment Exchange contract. The company markets itself as an all-in-one direct processor, which would mean that it does not resell the services of a larger credit card processor. At this time, there are no complaints that specifically mention unfavorable contract terms offered by the company, and the company’s exact terms are unclear. If you have any knowledge of the standard Electronic Payment Exchange merchant agreement, please share that information in the comment section of this review.

Electronic Payment Complaints & Service | A+

As of this update, we are unable to locate any Electronic Payment Exchange complaints that accuse the company of being a scam or a ripoff. In fact, there appear to be zero negative reviews of Electronic Payment Exchange across all consumer protection websites. This indicates that the company employs a helpful, available customer support team that resolves issues before they are taken to public forums. The Electronic Payment Exchange website lists a dedicated phone support number for merchant support.

Electronic Payment BBB Report | A (CPO Adjusted)

Electronic Payment Exchange is not an accredited business with the Better Business Bureau (BBB). As of this review, the company holds an “A-“ rating with the BBB and has zero reported complaints within the last 36 months. The BBB lists a lack of sufficient information on the business as the primary factor lowering Electronic Payment Exchange’s score. Given the company’s spotless complaint record, we have slightly adjusted the BBB’s rating to an “A” for the purposes of this review.

Bottom Line

According to all available information, Electronic Payment Exchange rates as a reliable merchant services provider. There are very few specific details available about the company’s sales tactics, contract terms, and customer service, but we have interpreted the overall absence of complaints to be a positive indicator. The company’s rating may be subject to change as more information comes to light. Even when dealing with highly rated providers, merchants are advised to read their contract terms carefully.

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