About Electronic Payments

We’re a cutting-edge financial technology company encompassing point of sale, payment processing, merchant services, and so much more. We help SMBs grow with innovative tools like ProCharge®, Cygma®, and others—all of which are developed and supported in-house.

Our Story

When Electronic Payments was first born in the year 2000, it was in response to an expanding, yet underserved market that frequently overpaid for merchant services. Two decades later, our mission remains as strong as it was when we first began. Simply put, we exist to help small to midsize businesses (SMBs) prosper. From humble beginnings, our Founder and CEO, Michael Nardy, built Electronic Payments into what it is today—one of the most respected merchant acquirers in the United States.

39,000+Merchant Partnerships
300+ MillionAnnual Transactions
$17+ BillionProcessed Annually
21+Years in Business
26thLargest Acquirer in the U.S.

Read more about Electronic Payments, including our company’s mission, history, and values.

What We Offer

Reliable, Easy-to-Use Products and Services That Empower Businesses Nationwide

  • Merchant Services
  • Affordable Payment Processing
  • Cutting-Edge Technology
  • Point of Sale Systems Developed & Supported In-House
  • Unrivaled Service
  • 24/7, In-House Technical Support
  • Cash Discount and Surcharge Programs
  • Business Financing
  • Integrated Gift Card Program
  • Business Insights & Data Analytics
  • Middleware Gateways
  • PCI Compliance
  • A Meet or Beat Rate Guarantee
  • Product Training & Continuing Education
  • Lucrative Agent, ISO, and Partner Programs – Learn More

Charity POS

Our commitment to improving the communities in which we live and work extends across borders, cultures, races and interests. Through the use of our Charity POS initiative, we give back to our supported organizations by fostering better education systems, helping disadvantaged youth and families, supporting arts and culture and protecting the environment.

Our philanthropic efforts reflect the diverse interests of our business and staff, including human services and humanitarian efforts, community outreach and volunteerism. We continually assist victims of domestic violence, promote the improvement of health and the environment, and present educational scholarships to local high school students. We have also been quick to provide assistance with charitable events and fundraising efforts.

The Electronic Payments Difference

Learn how Electronic Payments’ team, technologies, and support are different from other merchant service providers—and how we’ve positioned businesses for success for over 20 years!


Find answers to frequently asked questions about Electronic Payments, merchant services, payment processing, point of sale, and more.

Industries We Serve

We help merchants of every type streamline operations and grow their businesses, including:


Restaurants: Fine Dining, Quick Service, Fast Casual, and More


Bars, Breweries, and Lounges


Groceries, Markets, Convenience Stores, and Gas Stations


Liquor Stores




Salons and Spas


Medical, Dental, and Business Offices


Service-Based Businesses

And More!

Our Merchants Love Us!

"I used to ask our staff to call me if they ever had questions regarding our former payments system. Our old phone support was just too expensive, so I had to fill the role to diminish operating costs. Now, everyone knows the Electronic Payments Technical Support team is on standby 24/7, without a bill attached. The added peace of mind is priceless!"

Cathy, Owner of 5 O'Clock Somewhere


"I like the high level of customer service and support I receive. It’s so nice not to have to stress about calling for help when I need it."

Terra, Owner of Agate Electrolysis


"Since partnering with Electronic Payments, my effective rate has dropped to nearly half a percent! These savings have improved my cash flow and increased my revenue, allowing me to invest in growing my business."

Dawn, Owner of Chestnut Ridge Sewing


Join Our Team

Interested in joining our pioneering team and growing your career at Electronic Payments? View our open positions.