EpicPay Review: Fees, Comparisons, Complaints & Lawsuits

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EpicPay Rating
full star idicating a 4.8 out of 5 star rating full star idicating a 4.8 out of 5 star rating full star idicating a 4.8 out of 5 star rating full star idicating a 4.8 out of 5 star rating empty star indicating a 4.8 out of 5 star rating

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Note: As of May 2021, EpicPay was acquired by FortisPay and absorbed into their brand. We will therefore no longer be updating this profile and direct all interested parties to the FortisPay profile.

Offering Merchant Services Since 2001

Founded in 2001 and formerly known as Spectrum Merchant Services, EpicPay is a merchant account provider based in Frisco, Texas.

In 2021, EpicPay was acquired by FortisPay and absorbed into their brand.

EpicPay Location and Ownership

EpicPay is a registered ISO/MSP of Wells Fargo Bank, Concord, California, N.A. EpicPay maintains its headquarters at 9300 Wade Blvd, Suite 220 Frisco, Texas 75035. Marco Leardini is the president, founder, and CEO of EpicPay. David Rounds is also listed as a founder.

EpicPay Review Table of Contents

  • Costs & Contract: EpicPay offers a three-year contract through First Data with an early termination fee of $250 or $350.
  • Complaints & Service: EpicPay has received fewer than 10 public complaints.
  • BBB Rating: EpicPay has an “A+” rating and has received 0 complaints in the last three years. The company is not accredited with the BBB.
  • Sales & Marketing: EpicPay appears to hire independent sales agents but has received zero complaints about its sales practices.

EpicPay Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Item Result
Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A

Clean Complaint Record

We are unable to locate any negative EpicPay reviews at this time, which indicates that the company is not a ripoff or a scam. There is only one complaint filed against the company’s alternate/former name of Spectrum Merchant Services, but it’s unclear whether the policies mentioned therein are consistent with the policies enforced by EpicPay. The complaint describes a $495 early termination fee as the issue in dispute.

EpicPay Lawsuits and Fines

We have not found any outstanding class-action lawsuits or FTC complaints filed against EpicPay. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

EpicPay Customer Service Channels

Given the discrepancy between the $495 fee cited in this complaint and the $350 termination fee listed in the EpicPay program guide, it seems possible that Spectrum and EpicPay offer separate contract terms. We will therefore not factor the Spectrum complaint into our score for EpicPay at this time. EpicPay offers phone and email support to its merchants, but these channels are not sufficient to qualify it as a top-rated payment processor for customer service.

EpicPay Online Ratings

Here's How They Rate Online

Online Ratings Summary
Item Result
Product & Service Complaints 0
Billing & Collection Complaints 0
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery Complaints 0

No BBB Complaints

EpicPay currently maintains an “A+” rating with the Better Business Bureau and is not accredited. The company is showing 0 complaints since the profile was established in 2014, and its perfect complaint record is the primary reason for its “A+” grade. EpicPay has also not received any informal reviews on its BBB profile.

An “A” Performance

Given the company’s clean complaint record, we agree with the BBB’s rating at this time. Merchants should note, however, that there are good reasons to be skeptical of the BBB’s rating system.

EpicPay Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Item Result
Swiped Rate 2.69% + $0.10
Keyed-in Rate 3.69% + $0.10
Virtual Terminal Rate 1.00% - 4.99%
Payment Gateway Fee Undisclosed
Early Termination Fee $250-$350
PCI Compliance Fee Undisclosed
Equipment Lease Terms Undisclosed

Three-Year Agreement

The standard EpicPay agreement is a three-year contract through First Data with an early termination fee of either $250 (if canceled after one year) or $350 (if canceled within one year). First Data’s typical rates are 2.69% plus $0.10 per swiped transactions and 3.69% plus $0.10 for keyed-in transactions. However, merchant account providers utilizing First Data’s payment processing network reserve the right to alter these prices. The company also appears to charge a monthly minimum processing fee of an unknown amount. It is unclear as of this update whether EpicPay charges statement fees, PCI Compliance fees, or other standard fees.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, EpicPay also dedicates a portion of its website to advertising its virtual terminal and payment gateway services. However, pricing is not disclosed on either of those services. Additional rates and fees, including gateway fees, technical support fees, batch fees, and additional transaction rates typically apply to these e-commerce services.

Not Competitively Priced

EpicPay’s early termination fee and contract length are not especially competitive for the industry and leave a lot to be desired when compared to cheaper merchant accounts. However, there are very few complaints to be found at this time regarding EpicPay’s contract terms. We will therefore not penalize EpicPay too harshly in this category.

We also encourage merchants to check out our list of the providers of the best merchant accounts.

EpicPay Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Item Result
Employs Independent Resellers Yes
Advertises Deceptive Rates No
Discloses All Important Terms No

Outside Sales Agents

EpicPay appears to hire independent sales agents to market its services. The use of independent sales agents is common within the credit card processing industry and can sometimes produce merchant complaints. In this case, however, we are unable to locate any EpicPay complaints that mention deceptive sales practices by the company’s employees. This indicates that EpicPay may provide stronger oversight and support for its independent agents than is typical within the industry.

This compares favorably to our list of best credit card processors.

No Deceptive Quotes

EpicPay does not list any misleading rate quotes on its website and even provides its program guide for anyone to view. That said, we always recommend that merchants consider a third-party statement audit to find and eliminate hidden fees.

Our EpicPay Review Summary

Our Final Thoughts

A Reputable Credit Card Processor

EpicPay rates as a reliable merchant services provider according to all available information. The company’s contract terms appear to be fairly standard for the industry, but there are no complaints at this time that mention issues with EpicPay’s sales tactics or pricing. The company appears to offer outstanding service and support on par with top-rated providers. Merchants should note that the company’s name is spelled as “EpicPay” (one word) instead of “Epic Pay,” and they should also be aware that EpicPay’s former/alternate business name is Spectrum Merchant Services.

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Your Comments & Reviews

How Did EpicPay Treat You?

1 Responses

  • Joey Adair

    As an agent for EpicPay and having a relationship with them for the last 8+ years, I can confidently say that these folks are the greatest friendly bunch to work with and hold their agents to very high ethical standards. As one of their agents, I keep very close tabs on my customers and have never heard a negative word about EpicPay from them in over 8 years. Not. Once.

    Not one rate increase. Not one complaint. Not $1 held from deposit without a personal phone call to the merchant and them notifying me so I can get involved to get it fixed, same day.

    These people are focused on 3 things: providing great service, clean business, and enhanced technological capability.

    Love them.

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