Process your profits quicker and safer than ever with Cygma®, EPI’s proprietary frontend authorization network and backend clearing platform. Cygma supports all the major card schemes and processes credit and debit transactions.
Card Schemes Support
Cygma’s lower rates mean savings for merchants from the get-go. Our agents and ISOs have access to early residuals and can expect to be paid on the 5th of the month, every month.
In addition to retail, restaurant, and MOTO businesses, Cygma is available to previously restricted merchants, including adult retail and entertainment, smoke, vape, and CBD, as well as MOTO guns and ammo.
With late batch cutoff times, Cygma offers merchants near real-time payment processing in actual batches—with deposits in as few as five hours from cutoff. What’s more, there’s no extra cost to take advantage of same- or next-day funding!
Built for speed, Cygma has one of the fastest authorization processing speeds of any platform.
Save time and money with the Cygma backend settlement platform, with automatic Interchange optimization built right into the clearing process.
Cygma supports the latest frontend authorization modes and backend clearing levels, including Level III processing for B2B and B2G savings.
Develop your payment hook on the Cygma frontend and ProCharge® gateway for an optimal merchant experience.
Cygma uses the latest technology and security to protect business and customer data. Cygma is privately owned and 100% in-house, meaning you’ll have access to EPI’s industry-leading, 24/7 technical support team.
Cygma is the best direct processor for small businesses and beyond because it
seamlessly integrates with EPI’s industry-leading POS and terminal solutions, like:
Is your ISO ready for a direct bank and processor relationship? Through our bank partners, Cygma can enable your ISO with direct bank sponsorship and a dedicated BIN/ICA relationship with sponsorship into the four major card schemes plus pin-debit and EBT processing. You can control the management of your portfolio from risk, underwriting, account boarding, deployment, customer service, and tech support and establish yourself as a full-service ISO/MSP.
Cygma has a host of JSON and RESTful APIs that enable your POS, software application, mobile app, website, or other project to connect directly with an authorization host.Regional debit networks can be processed via the Gateway Bridge. Semi-integrated terminal applications are also available, which give your project instant payment ennoblement, including EMV and contactless capabilities.
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Electronic Payments is a registered Independent Sales Organization of Wells Fargo Bank, N.A., Concord, CA and Commercial Bank of California, Los Angeles, CA.
Electronic Payments is a Registered MasterCard© TPP
American Express may require separate approval.
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