Owner Profile: Sean Agrawat

Background and Roles

Sean Agrawat is identified as the president and CEO of Smart Money EPS, a Fiserv-aligned payment provider that markets credit and debit processing, ATMs, and Clover-based POS systems to petroleum, hospitality, and restaurant merchants. Company materials describe him as a computer engineer with more than 30 years of entrepreneurial experience, and they credit him with building Smart Money EPS as a values-driven shop backed by Wells Fargo sponsorship.

Smart Money EPS Timeline

The Smart Money EPS review notes that the company positions itself as a one-stop shop for Clover hardware, custom POS builds, and processing programs tailored to gas stations, hotels, and service businesses. Agrawat’s public bios explain that he founded the company to combine hardware sourcing, network sponsorship, and on-site installation into a single workflow, which is why SME markets nationwide field teams in addition to remote merchant support. The firm’s “EPS” moniker highlights its focus on electronic payment solutions rather than any reference to earnings per share.

Products, Pricing, and Policies

Smart Money EPS sells Clover Flex, Mini, and Station bundles along with petroleum-ready terminals, ATMs, and e-commerce gateways. Marketing copy promises interchange-plus pricing and “cutting-edge” security, but the processor review points out that the company has not published specific rate tables, contract terms, or early termination penalties, leaving merchants to negotiate case by case. Agrawat positions his team as a concierge service that installs hardware, customizes POS menus, and handles add-on services such as gift cards and loyalty, yet the company explicitly declines offshore businesses and other prohibited verticals.

Legal, Regulatory, and Reputation Notes

According to our research there are no publicly recorded lawsuits or regulatory actions naming Sean Agrawat or Smart Money EPS. Complaint counts are low, with occasional BBB filings about unclear fees or delayed statement credits, and most third-party reviews highlight a lack of pricing transparency rather than claims of fraud. Smart Money EPS emphasizes its Wells Fargo backing and Fiserv relationship to reassure merchants, but the limited disclosure makes it important for businesses to secure written pricing addenda before signing.