wholesale credit card Processing

Merchant Solutions to Streamline your Business, Increase Revenue, and Save Money


ePaymentAmerica believes in a personalized approach to empowering business owners to increase revenue and save money. We make it affordable and hassle-free for you to accept credit cards and gain access to our full suite of benefits so you can grow your business. 

We enable businesses to accept affordable electronic payments with wholesale pricing, including:


  • VISA, MasterCard, and Discover
  • American Express, JCB, Diners Club
  • Credit Cards
  • Debit Cards
  • PIN Debit
  • Pre-Paid Cards
  • Fuel and Fleet
  • EBT and EBT Cash-Back
  • Electronic Checks (Guarantee, ACH, Check 21)

even more benefits:


We don’t just offer credit card processing, we offer an entire “esuite” of products to deliver true business solutions to our merchants. 

Merchant Services with wholesale rates and reliable equipment. 

Get $150,000 cash in 72 hours with eCash Now. 

Sell to the 1.8 Billion Facebook users for free using Yapyzal. 

Experience world class processing

We’ve got you covered! ePaymentAmerica is your one-stop-shop for the latest and most innovative payment processing solutions.

The most flexible & Reliable options

Streamline your business while maximizing your savings with our flexible options in sales equipment and POS systems. We integrate with over 95% of existing POS systems or provide you with one. Have peace of mind in knowing you have the flexibility to choose what works best for you!

full transparency line by line

We provide transparent, innovative processing and business solutions at the lowest cost to increase revenue and reduce expenses. There are no hidden-fees so you’ll always know what what you’re paying and why. 

terminals & Equipment

From selling online, to the counter, or on the go; we have the solutions for every business.

Mobile, Bluetooth, & Wireless Solutions for on the go sales

The go-to mobile option. With paperless receipts and wireless capability, this is your smartphone or tablet system for secure credit card swipes, dips, and contactless payments. 

Small hand-held versatility at the countertop, in the aisle, or on the go with Wifi – easy to take with you and easy to hand to customers. Customers can dip, swipe, tap, enter a pin, and sign. 

Small, lightweight, portable, wireless terminal with superior performance. Designed for mobility – rechargeable battery and plenty of memory. Includes both USB & 3G connection options.

Countertop Terminals

The most common, practical & economical countertop terminal for faster & more reliable transactions. Accepts all types of electronic and contactless payments without requiring a cash register or POS system interface.

An exceptionally stable & reliable countertop stand alone terminal, featuring a 2.8-in color touch screen with Signature Capture functionality that offers an interactive user interface. Dial up, Ethernet, Wi-fi options. 

The most powerful, flexible and sleek countertop terminal designed from the inside out to be the hub of your business. Clover® replaces your cash register, payment terminal, receipt printer, and barcode scanner with an integrated suite of products. 

The Clover® Mini is as powerful as it is sleek – The compact countertop POS with a lightweight footprint won’t hog your counterspace. Featuring a large bright touchscreen designed to handle any size business. 

No equipment required – process online

The Virtual Terminal allows you to process easy & secure transactions from your computer. Fast & easy to set up with no equipment to buy or software to install.

Sell online by accepting payments from your website with our hosted payment form through shopping cart integration, BUY NOW button, or a link sent by email. We also have recurring billing, automatic monthly payments, and automated eBilling reminders.  

The FREE Social Commerce solution that allows businesses to post, sell, and share products, all within the social marketplace. Customers can purchase directly from Facebook without being redirected! Increase impulse buys, increase your reach! Click Here To Learn More!  

the epaymentamerica difference

Low Rates

ePaymentAmerica offers wholesale credit card processing rates with no hidden fees and full-transparency. You'll always know what you're paying for and can be rest assured that you'll always be getting competitive pricing.

Free Next-Day Funding

Have access to your funds within 24 hours of sales transaction and enjoy the freedom of having the cash you need at hand to further grow your business.

24/7 Customer & Tech Support

ePaymentAmerica is always here for you, when you need us the most. We understand the importance of getting the immediate help you deserve when trying to run your business.

PCI/EMV Compliance

Stay compliant while keeping your customers and your business safe without even having to think about it. ePaymentAmerica does all the work for you to avoid government fees and ensures you are PCI & EMV compliant, and stay that way.

Data Analytics

Our reporting tools and data analytics will keep you in the know and ahead of the curve with where your business is at and where it's headed. Our insightful, easy to use CRM system, Iris, will give you the data and insights your business needs to succeed.

Fraud Monitoring

We've got you covered! Stay safe and secure with fully-encrypted data, the highest security measures, and fraud monitoring and detection.

POS Integration

ePaymentAmerica integrates with over 95% of existing POS systems across the industry, making it easier than ever to streamline your business. Have your business thrive while saving time and money.

Social Commerce Tools

With our patent pending social commerce platform, Yapyzal, you can sell directly on Facebook...for FREE. Yapyzal empowers you to have your customers a click to buy now feature where they can check out with a few simple clicks without being redirected to off of Facebook.


  • Point-of-Sale Retail and Register Systems
  • Manufacturing and Distribution
  • Banks, Financial Institutions, and AR Financing
  • Government and Schools
  • Internet and eCommerce
  • Non-Profits and 501-C
  • Wireless and Mobile Merchants
  • Legal and Medical Industries


ePaymentAmerica is a nationwide credit card processor and full-merchant solutions company headquartered in Memphis, Tennessee. As a full-service merchant service operation, we provide our own sales, marketing, risk management, underwriting, customer service, and technical support in-house. We do not outsource any of our services.

Founded by CEO Chris Reckert, we capture the best of traditional merchant processing companies and combine it with an elite team of entrepreneurial and progressive accounting and technology professionals, bringing you our esuite of business solutions. Being a hybrid company, we have the advantage of providing faster and more personable customer service. We believe in building a partnership with merchants and always finding more ways to increase revenue and reduce expenses for business owners.

Our wholesale processing status in the Payment Card Industry, coupled with our in-house services, allows us to be more cost-effective for our customers. We guarantee a minimum 10% savings over any of our competitors.

low cost processing | trusted technology Innovative business solutions