We earn a commission from brands listed on this site. This influences the order and manner in which these listings are presented.
Advertising Disclosure

EPAG Merchant Services Review 2024

Top10.com Staff

In a Nutshell

Electronic Payment Advisory Group, or EPAG for short, is a merchant services provider based in Salt Lake City, Utah. It claims to be able to beat your existing merchant services agreement and save your business thousands of dollars. It serves a range of businesses and payment types, including retailers, Ecommerce, and phone payments.


  • Free audit of existing contract
  • Promises to save your business thousands
  • $500 in cash if it can’t deliver savings


  • Lack of price transparency
  • Lack of information about contracts
  • No quote without contact details

ePayment ePayment Visit Site

Ideal For 

  • Anyone locked into a bad merchant services contract
  • Businesses that take payments by phone
  • Small businesses in standard-risk industries

What’s on Offer 

  • Free review of your existing merchant services contract
  • Personal account manager from small Utah-based team
  • Custom solution for your business
  • Solutions tailored to retail, Ecommerce, and phone payments
  • Special low rates for payments taken over the telephone

Application Process

Unfortunately, EPAG’s website doesn’t reveal much about its application process. Like many of its competitors in the payment-processing industry, EPAG’s prices vary from customer to customer. Therefore, the only way to get a quote is by calling EPAG on its toll-free number or by filling out the online contact form on its website. All applications begin with a free audit of your existing merchant services contract (more below). EPAG’s website doesn’t reveal anything about setup fees, cancelation fees, or contracts. Again, this varies from customer to customer, and the only way to find out what EPAG can offer your business is to contact them directly.

What’s Unique About EPAG?

EPAG stands out from most merchant services providers in one way. Most providers offer a quote based on a business’s size, location, and the volume of transactions. The higher your transaction volume, the lower you’ll pay per transaction—or at least that’s how it usually works. EPAG does things a little differently. Instead of auditing your business, it audits your existing merchant services contract. This is how it works: you contact an EPAG agent, the agent asks you to send them your current contract, and then the agent spends a few minutes finding ways to beat your existing provider’s price. 

According to EPAG, it can save you up to $5,000 on your current contract. Now, it doesn’t specify exactly how it achieves this or whether we’re talking $5,000 per year, per month, or over the lifetime of your contract. However, just the fact that they’re so confident of beating your current contract sounds good. And given the audit is free and only takes a few minutes of your time, there really isn’t a downside to this feature. 

Customer Support

EPAG has a small team of USbased agents. Every client is assigned a dedicated customer agent to help them with any issues or queries. A perusal of client testimonials shows that EPAG has many long-standing customers that are very happy with its service. Customers have been particularly happy with the personal service from EPAG’s dedicated agents as well as the savings they made on their old contracts. Only a handful of customers have published negative testimonials, mainly claiming that the terms of their contract were not upheld. It should be noted that most of EPAG’s long-term customers are small, Utah-based businesses—although EPAG doesn’t rule out working with customers in other states. EPAG can be contacted toll-free from anywhere in the US, by email, or by filling out a contact form on its website with your name, email address, and phone number.

Pricing (Software and Hardware)

Unfortunately, EPAG’s website doesn’t offer any information about pricing, because prices vary from customer to customer. Nor does it say anything about POS systems or other hardware. EPAG’s big selling point is that it can beat your existing merchant services provider by thousands of dollars. As EPAG explains on its company website, “We’re a small shop so we can keep our overhead low and our margins in favour of you, our clients. This allows us to beat any rate, any time.” EPAG is so confident of beating other merchants that it promises to pay you $500 in cash if it can’t show you savings.

Bottom Line

As the word “advisory” in its full name suggests, EPAG aims to be part advisor and part merchant-services provider. Its main selling point is its free audit. EPAG offers to look over your existing merchant-services contract and to find ways to cut your small business’s costs by thousands of dollars.

ePayment ePayment Visit Site

About ePayment Inc

EPAG is owned and operated by ePayment Inc, a privately held merchant-services provider based in Salt Lake City, Utah. Founded in 2010, it has built a loyal customer base comprising mainly small businesses from the Salt Lake City area. At the start of 2019, it rebranded with a new website and new features. As part of the rebrand, it promises to beat customers’ existing contracts—helping them save thousands of dollars.

Physical Address

ePayment Inc

254 West 400 S Ste 301

South Salt Lake City

UT 84101

Top10.com's editorial staff is a professional team of editors and writers with dozens of years of experience covering consumer, financial and business products and services.

Copyright © 2009 - 2024 Natural Intelligence Ltd. All Rights Reserved.

Mailing address:

4023 Kennett Pike #50055

Wilmington, DE 19807

Top10.com is designed to help users make confident decisions online, this website contains information about a wide range of products and services. Certain details, including but not limited to prices and special offers, are provided to us directly from our partners and are dynamic and subject to change at any time without prior notice. Though based on meticulous research, the information we share does not constitute legal or professional advice or forecast, and should not be treated as such.

Reproduction in whole or in part is strictly prohibited.

As an Amazon Associate we earn from qualifying purchases.