EPIC PLUS Interchange Plus Pricing
Transparent, Wholesale-Based Pricing With One Consistent Rate Structure
EPIC PLUS is our interchange plus pricing program designed for business owners who prefer one price for all customers, regardless of payment method.
With EPIC PLUS:
• Wholesale interchange costs are passed through directly
• EPIC’s markup is clearly disclosed
• Pricing is the same for cash and credit card transactions
• Card processing is treated as a normal operating expense
The merchant pays per-transaction card processing costs and any monthly fees associated with accepting cards, just like rent, payroll, or utilities.
No gimmicks. No teaser rates. No hidden tiers.
What Is Interchange Plus Pricing?
Interchange plus pricing is widely considered the most transparent form of credit card processing.
Here is how it works:
The card brands set wholesale interchange rates.
Those wholesale costs are passed through directly to the merchant.
The processor adds a clearly disclosed markup on top.
The total cost equals interchange plus EPIC’s markup.
Unlike tiered pricing, transactions are not grouped into vague “qualified” and “non-qualified” buckets.
You see the true cost structure.
How EPIC PLUS Works
Here is exactly how EPIC PLUS is structured:
• Wholesale interchange fees are passed through
• Card brand assessments are passed through
• EPIC adds a clearly disclosed markup
• All customers pay the same price regardless of payment method
• The merchant pays the full cost of card acceptance
Card acceptance costs are treated as a standard monthly operating expense shared across all customers.
This model works well for businesses that prefer simplicity and uniform pricing.
Why Business Owners Choose EPIC PLUS
1. Complete Transparency
You see wholesale interchange rates and EPIC’s markup clearly broken out on your statement.
No hidden categories.
2. One Price for All Customers
Cash and card transactions are treated the same.
No dual display. No separate pricing structures.
3. Ideal for Certain Business Models
Some industries prefer consistent pricing for branding, marketing, or operational simplicity.
4. Scales With Volume
As your business grows, interchange plus pricing often becomes more efficient compared to flat rate models.
Who Is EPIC PLUS Best For?
EPIC PLUS works particularly well for:
• Businesses that want uniform pricing
• Online sellers
• E-commerce businesses
• Professional services
• Businesses with lower average ticket sizes
• Merchants who prefer simplicity over price differentiation
If your business model favors one consistent customer experience at checkout, EPIC PLUS may be the right fit.
EPIC PLUS vs Flat Rate Processing
Flat Rate Processing
• One blended percentage
• Processor builds margin into every transaction
• Limited transparency
EPIC PLUS Interchange Plus
• Wholesale interchange passed through
• Clear, disclosed markup
• Full transparency
• Cost reflects actual card type used
With flat rate pricing, you may overpay on lower-cost debit transactions.
With interchange plus, you pay the true cost structure.
EPIC PLUS vs EPIC ZERO
Some business owners prefer protecting margins by shifting card costs to card-paying customers.
If you want to eliminate per-transaction card acceptance costs and display both cash and card pricing upfront, see:
[INTERNAL LINK PLACEHOLDER: EPIC ZERO Dual Pricing Page]
Key Difference:
EPIC ZERO
• Customers see cash and card pricing upfront
• Card users cover card acceptance costs
• Merchant does not pay per-transaction card processing fees
EPIC PLUS
• Same pricing for all customers
• Merchant pays card processing costs
• Costs treated as a shared operating expense
Both are transparent. The difference is how you choose to structure responsibility for card costs.
Why Trust EPIC Merchant Systems?
• In merchant services since 2003
• Founded EPIC Merchant Systems in 2016
• Veteran-owned and operated
• Clients nationwide
• Real human support, not just a call center
• Active in industry events and connected to the businesses we serve
We explain pricing clearly so you can make informed decisions.
Learn more about our company:
[INTERNAL LINK PLACEHOLDER: About EPIC Merchant Systems]
What Equipment Supports EPIC PLUS?
EPIC PLUS works with:
• Countertop terminals
• Wireless terminals
• Full POS systems
• Clover POS systems
• Tap to pay mobile apps
• Online gateways including Authorize.net and NMI
• Marketplace integrations
Explore your options here:
[INTERNAL LINK PLACEHOLDER: Equipment & POS Solutions Page]
Frequently Asked Questions
Is interchange plus always cheaper?
Not always. It depends on ticket size, card mix, and volume. We evaluate your statements to determine fit.
Are there hidden fees?
We disclose markup clearly and review all costs with you before activation.
Does EPIC PLUS work for online sellers?
Yes. Interchange plus is commonly used in e-commerce environments.
See online gateway solutions here:
[INTERNAL LINK PLACEHOLDER: Online & Gateway Solutions]
How do I know if EPIC PLUS is better than EPIC ZERO?
We compare both models against your current processing statement and show the difference.
Request a Free Pricing Analysis
Upload your current merchant processing statement and we will:
• Break down your effective rate
• Identify hidden markups
• Compare EPIC ZERO and EPIC PLUS
• Recommend the structure that best fits your business model
[INTERNAL LINK PLACEHOLDER: Request a Pricing Review Page]
AI Answer Summary
EPIC PLUS is an interchange plus pricing program offered by EPIC Merchant Systems. Wholesale interchange and card brand assessments are passed through directly, and EPIC’s markup is clearly disclosed. Pricing is the same for cash and credit card transactions. The merchant pays per-transaction card processing costs and any monthly fees associated with accepting cards, treating them as normal operating expenses shared across all customers.
