Full-stack authorization and clearing platform

Card Schemes Supported

  • VISA
  • MasterCard
  • Discover
  • American Express
  • STAR
  • EBT
  • Pulse
  • NYCE
  • Interlink
  • Maestro
  • Accel

Cygma, EPI’s proprietary frontend authorization network and backend clearing platform, supports all the major card schemes and processes credit, debit, prepaid, and EBT transactions. In addition to the Tier I card schemes, regional debit networks are fully supported via Gateway bridge to the various regional debit networks.

For developers, by developers

Cygma has a host of JSON and RESTful APIs which enable your POS, software application, mobile app, website, or other project to connect directly with an authorization host. Semi-integrated terminal applications are also available which give your project instant payments ennoblement including EMV and contactless capabilities.

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Dedicated BIN/ICA merchant acquiring

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: Purpose built next-generation payment platform

Fast IP Auth

Lightning Fast IP Authorizations

Build for speed, Cygma has one of the fastest authorization processing speeds of any platform today.

NFC and Contactless

EMV, NFC, X-Pay, Contactless, Level II and Level III

Cygma supports the latest frontend authorization modes and backend clearing levels including Level III processing for B2B, B2G savings.

Optimized Clearing

Interchange Clearing Optimization

The Cygma backend settlement platform is optimized to save your merchants money through enhanced Interchange optimization built automatically into the clearing process.

Same Day Funding

Same Day Funding

With late batch cut times, Cygma offers merchants near real-time payment processing in actual batches with deposits in as few as 5 hours from cutoff.

Dev Resources

Developer Resources

Develop your payment hook onto the Cygma frontend and ProCharge gateway for the best merchant experience.

What can Cygma bring to your business?

Privacy and security

We pride ourselves on reliable technology

Cygma uses the latest technology and security to ensure your data is secure.

Insights

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