EpicPay Overview

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Offering Merchant Services Since 2002

Formerly known as Spectrum Merchant Services, EpicPay is a merchant account provider based in Frisco, Texas. The company specializes in providing merchants with omnichannel payment solutions suitable across all sizes and scales. The company was awarded 1st place at the 2018-2019 TSG Developer/API Awards competition, a testament to the efficiency of their proprietary Epic Platform. EpicPay markets itself as an alternative to Stripe, Square, PayPal, and Shopify. According to the company’s website, EpicPay processes more than $2 billion in payments from its 13,000 merchants annually.

EpicPay Location and Ownership

EpicPay is a registered ISO/MSP of Wells Fargo Bank, Concord, California, and Fifth Third Bank, N.A. The company maintains its headquarters at 9300 Wade Blvd, Suite 220 Frisco, TX. Marco Leardini is the president, founder, and CEO of EpicPay.

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 has been accredited by the Better Business Bureau since 2014.
  • Sales & Marketing: EpicPay appears to hire independent sales agents but has received zero complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With EpicPay
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Products & Services Offered

Types of Businesses Served

  • Retail
  • Mobile
  • E-commerce

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EpicPay Rates, Fees, and Costs

Key Points

Swiped Rate 1.00% - 4.99%
Keyed-in Rate 1.00% - 4.99%
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 that advertises its virtual terminal and payment gateway services. However, pricing on either of those services is not disclosed. 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.

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Response from EpicPay

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EpicPay Complaints & Customer Reviews

Key Points

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

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 Support 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.

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Response from EpicPay

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EpicPay BBB Rating Summary

Key Points - BBB

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 has been accredited since March 2014. 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.

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Response from EpicPay

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Truth In Marketing & Advertising

Key Points

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.

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.

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Response from EpicPay

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EpicPay Logo

Our Opinion of EpicPay

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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Thank you for reading my review. I hope that it has helped you with your research.

Why I'm Qualified to Write About Credit Card Processing and Merchant Account Services

I'm a former credit card processing sales director who left the industry because I didn't like how it takes advantage of small business owners. It feeds like a leech on businesses and thrives by imposing fees that are nearly impossible to comprehend. Seeing a need for change, I left and built this website help business owners better understand the industry, research merchant services providers, and get refunds of excessive merchant account fees. My experience of working "behind the curtain" in the industry, and using that knowledge for good, has resulted in millions of dollars returned to hard-working small business owners as well as enterprise-level companies.

From the time that I starting working in the merchant services industry to when I left to create this website, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this "insider" knowledge to myself. To lift the fog, I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers on this website.

How I Can Help You

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