How to Resolve a Charge from Epoch

If you are not sure why they've received a charge from Epoch, there's an easy way to find out.  Epoch is a payment service provider for many online merchants.

So, how do you know what you were charged for?

At the time of sale you were sent an email confirmation (purchase receipt) for your initial purchase which describes what you bought, the name of the website from which you made the purchase, the terms of the purchase, your order ID, and a link to our customer service should you have any questions.

If you cannot retrieve your email receipt for the transaction, you can easily find the details of the sale by using the Purchase Finder on Epoch's home page.  There you can review any charges processed by Epoch and see exactly what they were for and when they were made.

People understandably get upset when they think someone has taken their money without authorization.  They feel they've been ripped off or have fallen victim to a scam.  While it is a possibility that someone may have used your credit or debit card without your authorization, it is very rarely the case.  People often make purchases they later forget about.  A quick review from the Epoch website or with a helpful customer service representative can help you recall what you bought.  


If you wish to find out why you received a charge from Epoch, this is how you do it: 

1)  Use your email search field and type in "Epoch" to retrieve your email receipt.  Information about your purchase and how to contact customer support can be found there.

2)  If you can't locate your receipt, go to Epoch.com where you can use the Purchase Finder tool to identify the purchase made to your card.  

3)  If you're still having trouble, you can call our customer support center any time of day and get a live agent on the phone within seconds.  There are no endless menus to navigate and calls are generally connected to a helpful agent within fifteen seconds.     Toll-Free: 1-(800)-893-8871 or Worldwide 1-(310)-664-5810 - Multilingual services available.

4) If you'd rather not call, you may use our live chat option. You'll be connected to a helpful agent within a few seconds. - Multilingual services available.

5) Alternatively you may send us an email with any question you have. Write to Billing@Epoch.com.

In the unfortunate circumstance that your card number has been compromised, we'll be happy to help you resolve the charges. After reversing any fraudulent charges, you will need to contact your bank's fraud department and report your card as stolen so they may issue you a new card number.  If you delay reporting a lost, stolen, or compromised card, your liability for additional fraudulent purchases increases.

Epoch is a trusted name since 1996 and we never forget that we are a service industry.  We're always here to help.

Customer Service - Billing Support

If you know your member or transaction ID, have it ready.  If not, no problem!  There are other ways to identify your purchase with us. 

We make it easy for you to contact us!   The choice is yours. 

1. Use the "Purchase Finder" listed on the front page of the site 
2. Send an email to billingsupport@epoch.com with your request
3. Use our instant message feature to chat with a live agent instantly  
4. Call and speak to a live representative 

                    Toll Free: 1-(800)-893-8871 or Worldwide 1-(310)-664-5810

 



Epoch.com customer service is available 24 hours a day / 7 days a week / 365 days a year.

Epoch Celebrates 18 Years

After starting its business in 1996, today Epoch's marks its 18th anniversary from their offices in Santa Monica, California.

Epoch is an Internet Payment Service Provider (IPSP) which enables companies offering/selling digital content to accept global payments without requiring them to obtain and manage their own merchant account. Offering worldwide acceptance, multiple currencies, state of the art merchant tools, subscription and per-unit billing, world class customer service, and a full suite of marketing and revenue features, Epoch is a benchmark of online billing services. 

Processing credit cards and other international payment types for Internet merchants, Santa Monica, Calif.-based Epoch is one of the most known and trusted names within the e-commerce billing space serving a broad range of merchants.
 
If you are an online merchant seeking a payment solution, contact us to find out how Epoch can help your online business thrive.  

 

How to Cancel a Subscription or Membership Billed by Epoch

If you are being charged for an online subscription or membership site and the billing descriptor says Epoch.com, it is very easy to manage your subscription online. If you wish to update your payment information, retrieve a password, change a password, or cancel your subscription, you can do this quickly and easily from our online services at any time.


If you are looking to discontinue a membership or subscription, the easiest way to do so is to use the online tool called the purchase finder.  Once you identify the item you wish to manage, you may update your payment information should you wish to continue your membership, or if you choose to cancel your membership you may do so. When canceling a subscription, you will receive an e-mail to the address you entered at the time of purchase confirming that your membership or subscription has been canceled and that you will no longer be billed.  If you cannot use the form due to insufficient information, please contact us so that we can help you locate your membership/subscription.

Our support team is available to you 24 hours a day to help you with any questions and to assist you in managing your online subscriptions.  Multilingual support specialists are available.  Contact us by chat, phone, email, or use our online search tool.  The choice is yours!

• Use the "Purchase Finder" to find or manage your purchase
• Send an email to billingsupport@epoch.com with your question or request
• Use our instant chat feature and get a live agent right away 
• Phone us to speak to a live representative at any time
• Request an agent to call you at your convenience

          Toll Free: 1-(800)-893-8871 or Worldwide 1-(310)-664-5810


Customer service is available 24 hours a day / 7 days a week / 365 days a year.  We're always open.

Epoch Accepts Qiwi

The QIWI Wallet electronic payment system was launched at the end of 2007. The system allows customers to quickly and conveniently make payments online for utilities, mobile phone bills, internet, online shopping purchases, bank loans and much more.

Simplicity and favorable payment conditions have made QIWI Wallet one of the most popular payment systems on the Russian internet. Website: www.w.qiwi.ru.


Qiwi is an eWallet payment product available in Kazakhstan, Ukraine, and Russia.

For a complete list of the local payment types accepted at Epoch click here. 

Merchants: The Top 10 Reasons to use Epoch as your Primary Billing Company

Everyone loves a Top 10 list.  Here are a few of the best reasons that Epoch should be your first choice for online processing.  


# 10 - State-of-the-Art Live Agent Support
The art and science of keeping your customers happy and maintaining your profits is one of the most important things we do.  With over 17 years of experience handling hundreds of thousands of calls, Epoch's call center represents the industry benchmark.  The always open call center offers live agent customer support for your members in over a hundred languages and is available every hour of every day. Calls are answered within seconds and your customers are never diverted into a series of menus that keep your customers on hold.  Our customer service representatives handle each call with professionalism and with the concerns of all parties in mind.  CSR's can even help retain your members longer by offering them discounted offers to continue their memberships. 

# 9 - True International Billing
Since your customers come to your site from many countries, you need a billing company that can process transactions globally.  Not only do we process transactions for consumers from all over the world, we also present the payment form in your customers language, accept all major card types as well as a number of regional card types, and bill your customers in one of 59 different currencies (default currency is presented based on geographic location).  Fewer clicks, less friction, and a familiar look and feel all lead to increased sales with Epoch's smart payment forms.
 
# 8 - Acquisition and Retention
The two goals that every site faces are acquisition and retention.  Since we don't own or operate pay-sites, or outsource to other billing companies for such services, the following comes straight from the front lines - our clients.  Time and again they tell us that their sites complete more sales (better throughput) with Epoch, and that their conversions from traffic, to trial to recurring are better, and that their customers remain members longer (retention) when processing is handled by Epoch. 
 
# 7 - Denied Order Reattempt
Most often referred to as "cascading" Epoch will at your request automatically send sales that we decline to your secondary billing company in an attempt to gain approval elsewhere.  Since the functionality is completely hosted by Epoch there are no integration concerns for your sites as with most other similar and costly products.   Epoch's cascading services are free. 
  
# 6 - Logo GPS

Our LogoGPS (Geo-targeted Payment Script) provides visitors to your site with a custom generated graphic displaying the logos of the most popular local payment options for their location.  It is easy to implement and gives your site a custom feel to international customers, while showing them that you offer their local payment types before ever visiting the payment page. This automated convenience for your customers provides the best user experience possible and helps increase sales.  Your international customers will feel quite welcome. 

# 5 - The Premium Features Suite
Epoch's Premium Features Suite is unmatched in the industry and includes one-click cross sales and upsales to any Epoch processed program.  As an Epoch client, you can make traffic deals with other Epoch clients giving you an enormous opportunity to offer additional products to your customers and increase your revenue.  Our premium features are easy to use and most require no integration or programming.  All you need to do is tell us which options you would like to implement and we do the rest.
 
# 4 - The Golden Cash Register
Epoch accepts more types of credit and debit cards than any other High Risk Internet Payment Service Provider (HRIPSP).  These include Visa, MasterCard, Switch/Solo, Discover, JCB, Maestro, Carte Blueu, Online Checks, Delta, Visa Electron, Visa Debit, MasterCard Debit, Direct Debit, Diners Club, ELV, iDeal, spfortuberweisung, DIRECTebanking, Ukash, and more.  By accepting these payment types you can reach virtually every cardholder on the planet without paying an additional premium to accept local forms of payment.  For a complete list of the local payment types accepted at Epoch click here. 

 # 3 - No Reserve Hold Back or Security Deposit
Nada. Zilch. Zero.  Unlike other processors who hold between 5% and 10% of your weekly transactions over a 6 month period as a reserve, Epoch does not withhold any of your hard earned money.  By not retaining a deposit or reserve, Epoch gives you more access to your money than anyone else.
 
# 2 - The Priceless Part of the Equation:  Experience.  
You can't buy experience off a shelf, but what you can do is take advantage of the experience of others.  Epoch is the oldest HRIPSP in the world serving the digital entertainment industry since 1996.  We process millions of transactions annually on behalf of our clients and have amassed an enormous database of information that we use to continually refine our methods and operations.  We have grown with the Internet as one of the pioneers in online processing and offer more services and marketing tools in one place than you can find anywhere else.
  
# 1 - The Bottom Line:  Payday.
You simply make more and keep more of your money with Epoch.

By providing better throughput, better tracking, more currency types, and more marketing features, it stands to reason that we will help your sites make more money than any other billing company.  By utilizing our free cascading system you pick up even more sales.  By using our billing support call center, we help you minimize credits and maintain chargeback ratios and we help you increase your retention.  Epoch is your best choice for online billing and we are extending an invitation to prove it to you. 

Contact us today to find out how we can help take your business to the next level.

What is a Member or Subscription ID?

Epoch's Billing Support provides customer service for thousands of websites 24 hours a day, 7 days a week. You may contact us for all billing inquiries, and/or technical problems including accessing/viewing website content, password assistance or just to cancel your membership/subscription.

What is a Member or Subscription ID?

A Member or Subscription ID is a unique identifying number that corresponds to the membership/subscription that you have purchased. You will receive your Member/Subscription ID immediately after the purchase of a membership/subscription via the e-mail address that you provided on the payment page. You should always maintain a record of your Member/Subscription ID and should use this number in any correspondence with a Billing Support Representative. With this number a Billing Support Representative can view your membership/subscription history, the time it was purchased, the charges made, as well as the payment information used for the purchase.


Our support team is available to you 24 hours a day to help you with any questions and to assist you in managing your online subscriptions.  Multilingual support specialists are available.  Contact us by chat, phone, email, or use our online search tool.  The choice is yours!

• Use the "Purchase Finder" to find or manage your purchase
• Send an email to billingsupport@epoch.com with your question or request
• Use our instant chat feature and get a live agent right away 
• Phone us to speak to a live representative at any time
• Request an agent to call you at your convenience

          Toll Free: 1-(800)-893-8871 or Worldwide 1-(310)-664-5810


Customer service is available 24 hours a day / 7 days a week / 365 days a year.  We're always open.

How to Cancel a Subscription or Membership Billed by Epoch

If you are being charged for a subscription or membership site and the billing descriptor says Epoch.com, it is very easy to manage your subscription online.

The easiest way to cancel a membership or subscription is to use the online tool called the purchase finder.  Once you identify the item you are being charged for, you may update your card number should you wish to continue your membership, or if you choose to cancel your membership may easily do so. When cancelling a subscription, you will receive an e-mail to the address you entered upon purchase confirming that your membership or subscription has been canceled and that you will no longer be billed.  If you cannot use the form due to insufficient information, please contact us so that we can help you locate your membership/subscription.

Our support team is available to you 24 hours a day to help you with any questions and to assist you in managing your online subscriptions.  Multilingual support specialists available.  Contact us by chat, phone, email, or use our online search tool.  The choice is yours!

• Use the "Purchase Finder" to find or manage your purchase
• Send an email to billingsupport@epoch.com with your question or request
• Use our instant chat feature and get a live agent right away 
• Phone us to speak to a live representative at any time
• Request an agent to call you at your convenience

          Toll Free: 1-(800)-893-8871 or Worldwide 1-(310)-664-5810


Customer service is available 24 hours a day / 7 days a week / 365 days a year.  We're always open.

 

World Currencies

Epoch helps your business grow by accepting multiple currencies. Our merchants can accept the following currencies which are automatically presented based on your customers location. 

South African Rand
Argentine Peso
Aruban Florin

Australian Dollar
Barbadian Dollar
Bermudan Dollar
Boliviano
Bahamian Dollar
Belize Dollar

British Pound Sterling
Canadian Dollar
Chilean Peso
Colombian Peso
Costa Rican Colon

Croatian Kuna
Czech Republic Koruna
Danish Krone
Dominican Peso

East Caribbean Dollar
Euro
Guatemalan Quetzal
Guyanaese Dollar

Haitian Gourde
Hong Kong Dollar
Honduran Lempira
Hungarian Forint
Indonesian Rupiah
Israeli New Sheqel
Indian Rupee
Jamaican Dollar
Japanese Yen
South Korean Won
Lebanese Pound
Mexican Peso
Malaysian Ringgit

Netherlands Antillean Guilder
Nicaraguan Cordoba
Norwegian Krone
New Zealand Dollar
Panamanian Balboa
Peruvian Nuevo Sol
Philippine Peso
Polish Zloty
Paraguayan Guarani
Qatari Rial
Romanian Leu
Russian Ruble
Saudi Riyal

Singapore Dollar
Surinamese Dollar
Swedish Krona

Swiss Franc
Thai Baht
Turkish Lira
Trinidad & Tobago Dollar
New Taiwan Dollar
Ukrainian Hryvnia

United Arab Emirates Dirham
U.S. Dollar
Uruguayan Peso

Find out more at Epoch.com 

  

Our payment forms transalte eleven languages.

If your surfer doesn't speak English, they may not buy your product if they can not read the payment page. Epoch's payment forms determine what language your surfer uses and provides them a form they can read. 

Epoch's global billing services automatically present payment forms in eleven languages. Presentment of the appropriate language is determined by the customers browser setting.

Supported languages include:

• English
• Spanish
• Japanese
• Italian
• French
• Korean
• Norwegian
• German
• Danish
• Dutch
• Portuguese
• Chinese
• Serbian
• Russian

Find out more at Epoch.com 

Intelligent Payment Pages for Easy Checkout

The ideal payment page provides a transaction process with as little friction as possible. Your payment forms should appear professional, offer the highest levels of security, and present the payment options your customers are looking for.  The page should be presented in the customers’ language and currency and return an expedient authorization. 

The payment form is the most critical part of the sale and you want your customer to have a good  experience.  Epoch’s payment forms are designed to give you the advantage in this area, protecting you from credits and chargebacks while maintaining optimum throughput. Our payment forms incorporate the following features. 

• Automatic Language Detection / Translation
• Cross Sell Options
• Automatic Currency Converter
• Multiple Payment Options
• Customizable Payment Pages
• Data Post In/Back Capable
• Regional Billing Options
• Per Unit Billing (available)

Find out more at Epoch.com 

 

Billed by Epoch? Find out why.

If you are being charged for a subscription or membership site and the billing descriptor says Epoch.com, it is very easy to manage your subscription online.

The easiest way to cancel a membership or subscription is to use the online tool called the purchase finder.  Once you identify the item you are being charged for, you may update your card number should you wish to continue your membership, or if you choose to cancel you may do so from there. You will receive an e-mail to the address you entered upon purchase confirming that your membership or subscription has been canceled and that you will no longer be billed.  If you cannot use the form due to insufficient information, please contact us so that we can help you locate your membership/subscription.

Our support team is available to you 24 hours a day to help you with any questions and to assist you in managing your online subscriptions.  Multilingual support specialists available.  Contact us by chat, phone, email, or use our online search tool.  The choice is yours!

• Use the "Purchase Finder" to find or manage your purchase
• Send an email to billingsupport@epoch.com with your question or request
• Use our instant chat feature and get a live agent right away 
• Phone us to speak to a live representative at any time
• Request an agent to call you at your convenience

          Toll Free: 1-(800)-893-8871 or Worldwide 1-(310)-664-5810


Customer service is available 24 hours a day / 7 days a week / 365 days a year.  We're always open.

 

Approving the right transactions is the name of the game.

- For Merchants -

You want to make as many sales as possible, but you don't want to get ripped off.  In a card-not-present environment, you need different protections than that of brick-and-mortar storefronts.  Fraud protection and risk management are the most important components of online billing.  

 

Epoch uses a variety of processes to minimize fraud while ensuring that your good transactions make it through to approval. 

We employ a multilayer approach to minimize fraud while maximizing transaction throughput. The first component of that system is per-transaction filtering. This is the front-end of our gateway, and it is comprised of a sophisticated network of tools we utilize before a transaction is authorized.  This process is dynamic and has been developed in-house and refined for over 17 years.  The second component of Epoch’s fraud reduction program is post-transaction analysis. This back-end work provides a feedback loop to our per-transaction filters to ensure we accept as many transactions as possible while minimizing fraud.

To learn more about us or to inquire about obtaining an account with us, please visit Epoch.com. 

How do I cancel my membership or subscription?

If you are being charged for a subscription or membership site and the billing descriptor says Epoch.com, it is very easy to manage your subscription online.

The easiest way to cancel a membership or subscription is to use the online tool called the purchase finder.  Once you identify the item you are being charged for, you may update your card number should you wish to continue your membership, or if you choose to cancel you may do so from there. You will receive an e-mail to the address you entered upon purchase confirming that your membership or subscription has been canceled and that you will no longer be billed.  If you cannot use the form due to insufficient information, please contact us so that we can help you locate your membership/subscription.

Our support team is available to you 24 hours a day to help you with any questions and to assist you in managing your online subscriptions.  Multilingual support specialists available.  Contact us by chat, phone, email, or use our online search tool.  The choice is yours!

• Use the "Purchase Finder" to find or manage your purchase
• Send an email to billingsupport@epoch.com with your question or request
• Use our instant chat feature and get a live agent right away 
• Phone us to speak to a live representative at any time
• Request an agent to call you at your convenience

          Toll Free: 1-(800)-893-8871 or Worldwide 1-(310)-664-5810


Customer service is available 24 hours a day / 7 days a week / 365 days a year.

 

The Mission: Less Friction. | The Result: More Sales

- For Merchants -

To best promote the most ideal payment options for your customers, we introduced a product that will give your Epoch processed sites a localization feature which informs your customers of their region-specific payment options prior to visiting the payment page.

Our Logo GPS (Geo-targeted Payment Script) provides visitors to your site with a custom generated graphic displaying the logos of the most popular local payment options for their location.  It is easy to implement and gives your site a custom feel to international customers.

Logo GPS is the perfect complement to our Smart Payment Form which vastly reduces the number of decisions for the customer. The payment types presented are precisely chosen based not only on your customers' location, but also for the type of product you offer. Our payment forms are also instantly translated to your customers language and the price is presented in their local currency.

Epoch's Logo GPS is available to all Epoch merchants. Please contact your sales representative to ensure that your account is enabled to accept all worldwide payment options, or write to salesteam@epoch.com if you have any questions.

Want the latest and greatest?  
Read more about Epoch's V3 Responsive Payment Forms here.  

Does your bill have a charge from Epoch that you don't recognize?

Sometimes people rush to complete a sale without reading all of the details of the purchase.  Almost everyone is guilty of this at some level.  For instance, who reads all those service agreements when you upgrade a piece of software or make an online purchase? 

It's often said that the devil is in the details.  Or in other words, the fine print.  And while there may be some truth to that sentiment, this is never the case with a purchase you make with Epoch.

Epoch is a billing company that provides services to thousands of websites.  If a charge on your statement has epoch.com as the billing descriptor, you made purchase from a site where we are the payment processor.  The site name does not appear on your billing statement. There are several things that we do to make sure you know why you are being billed and provide 24/7 customer service to answer your questions.  

We ensure that the terms and conditions of every sale are clearly, legibly, and prominently displayed on the form in which you enter your payment information.  We also require merchants who use our services to list the terms and conditions on their website as well.  Additionally, you will receive an email immediately after completion of the sale stating exactly what was purchased and the terms of the sale.  Information about how to change your purchase, update your payment type, cancel a subscription, or get help with a password are all stated directly on your email receipt of purchase.  And with Epoch, you can cancel any membership/subscription at any time you wish.  You are not required to remain in any subscription or membership.  Ever.

You are, however, responsible for purchases you make.  And, you are also responsible for subsequent billing if you remain a subscriber to a website.  It is for this very reason that we go beyond reasonable expectation to ensure that you are fully informed of any purchase you make online.  We want every customer that uses Epoch to manage their online subscriptions and purchases to be completely satisfied with our services.

To learn more about our services please visit Epoch.com.

Using an IPSP Has Advanges

- For Merchants -

Online Merchants Benefit Using Epoch's International Payment Processing Services

• Epoch enables your online business to accept many more payment types than you could with your own merchant account.  By  accepting dozens of different international, regional, and local payment types, international customers can increase your sales significantly.
• Epoch provides its clients with state-of-the-art payment forms and other features such as our proprietary marketing tool, Logo GPS, a localization feature which addresses your international customers based on their location. 
• Epoch's Smart Payment Forms are custom generated for each transaction and address each customer in their language, the currency of their location, and with payment options popular in their region.
• Epoch does not charge any type of reserve withholding or security deposit which means you keep more of your money from day one.
• Epoch's risk management team monitors your sales and manages your portfolio to ensure you remain within card association thresholds with regard to credits and chargebacks, domestic and foreign.  The level of granularity in this area ensures that your overall portfolio performs at its highest possible level. 
• Epoch provides 24/7/365 support to your customers in virtually every language by phone, chat, and email.
• Epoch provides 24/7/365 technical support should you have a problem with your password scripts or need assistance with any billing issues.
• Epoch provides you with a personal account representative who monitors your account and is there to answer any questions you may have.
• Epoch's position as one of the most experienced payment service providers of digital content provides a considerable advantage to your online business with its proprietary fraud filtering systems and data analysis. 

Epoch US | EU - Processing for Digital Content & Subscription Services

- For Merchants -

Epoch US | EU

Epoch is your primary choice for online billing. We are the most experienced Internet Payment Service Provider (IPSP) serving merchants of digital content since 1996. We offer an every growing number of local, regional, and international payment options to help you reach the most customers and a number of marketing and retention tools to help you make the most of your traffic.

No other billing company matches the features and benefits available to every Epoch client

• Epoch is the only HRIPSP that does not require a reserve hold back or a security deposit

• We accept several payment options, and continue to add new ones, to capitalize on your international traffic
• All systems are Level 1 PCI compliant providing state-of-the-art security, reliability, and flexibility
• Our systems deliver real-time tracking, reporting, and provide data post-back for all transactions
• Dynamic filtering protocols provide optimal throughput and reduced fraud
• Custom designed proprietary processing engine ensures adaptability
• Password management for membership sites
• The industry's first affiliate tracking and payment service
• Marketing and retention tools designed to help you increase customer loyalty and sales
• Expert risk management
• 24/7/365 In house billing support call center
• 24/7/365 In house tech support
• Credit and chargeback management
• Weekly payouts
• Smart payment forms automatically present targeted options utilizing:

- 39 payment types

- 11 languages (automatically detected and presented on payment forms and email receipts)

- 59 currencies - converted and presented automatically based on customers location

- Optional regional specific pricing

We help you reach your potential. 

Visit Epoch.com 

 

Customer Support For Your Sites

The success of your business is directly linked to how well your customers are served, and nowhere is that more true than when your customers are making an online purchase. Epoch offers the most professional and well-trained customer service support you can find. Our customer service representatives deliver exceptional 24/7/365 customer billing support via live chat, telephone and email. Our telephone customer support is available in more than 150 languages, all day, every day.

We never forget that we are a service organization and we stand behind that commitment of service.

Customer of Epoch clients have a number of ways to receive support.

If you are a customer of a site billed by Epoch and have a question about a charge, here are your options:

• Use the "Purchase Finder" to find or manage your purchase
• Send an email to billingsupport@epoch.com with your question or request
• Use our instant chat feature and get a live agent right away 
• Phone us to speak to a live representative at any time
• Request an agent to call you at your convenience

          Toll Free: 1-(800)-893-8871 or Worldwide 1-(310)-664-5810


Customer service is available 24 hours a day / 7 days a week / 365 days a year.

Fraud Detection and Prevention

- For Merchants -

Online fraud costs merchants billions of dollars each year, making fraud detection and prevention essential to maintaining a successful business. Epoch’s suite of fraud prevention and risk management tools has been designed to minimize fraud and maximize sales.

Epoch’s pre-transaction tools are the first component of our fraud prevention and detection system. We use all of the standard screening and verification tools available, including AVS, Card Code Verification (CCV) and 3-D Secure (Verified by Visa and MasterCard SecureCode). In addition, we use our own set of proprietary rules and filters that have been developed and refined in-house for over 16 years.

Epoch’s post-transaction analysis is the second component of our fraud prevention and detection protocols. Using our proprietary methodologies, we are able to provide real-time risk analysis and continually fine tune our abilling processes. This post-transaction evaluation, combined with the use of our sophisticated portfolio analysis, enables us to monitor the entire life cycle of a transaction, and provides our clients a competitive advantage they would not be able to achieve on their own.

Learn more about our services by visiting Epoch.com.

For Merchants: Expertly Addressing Your International Traffic

Accepting online payments brings a world of customers to your sites.  Our job is to make each transaction as seamless as possible, regardless of where it originates.  Our payment pages automatically present translation in over a dozen languages.  Your product's pricing is instantly converted to the local currency equivalent so your customer knows exactly how much the item costs.

We accept every major currency and an ever increasing number of local, regional, and international payment types.  Each time a payment page is presented, it is custom generated specifically for your customer's individual purchase.

By accommodating your international traffic  we make your customers feel right at home.   Visit us at Epoch.com.

For a complete list of the local payment types accepted at Epoch click here.

Merchant Category Codes

- For Merchants -

A merchant category code (MCC) is a four-digit number assigned to a business by credit card companies (such as MasterCard, VISA) when the business first starts accepting credit cards as a form of payment.  The MCC is used to classify the business by the type of goods or services it provides.

MCCs are helpful to the IRS for tax purposes, but are also used to calculate points or rewards in loyalty programs.  For example, if you have a credit card that offers 2% cash back on groceries, 3% cash back on gas, and 1% cash back on everything else, the way that is tracked is through the MCC.   Eligible merchants and the associated MCCs are the following: (a) Grocery Stores (MCC codes 5411, 5422, 5441, 5451, 5462, and 5499); and (b) Gas Stations (MCC codes 5541 and 5542).  Purchases made at a merchant that does not process transactions under these codes does not qualify and you will not receive the rewards.

It is important that each business uses the correct category code when processing transactions.  Epoch processes for digital content, which wasn't really a consideration when the original MCC list was set up.  However the card associations have deemed that payment service providers in this field shall be categorized as MCC-5967.

There are many categories in place.  Here is a complete list as stated by the US Internal Revenue Service.
                                                                                                                    

     0742      Veterinary Services                                                                
     0763      Agricultural Cooperative                                                              
     0780      Landscaping Services                                                                 
     1520      General Contractors                                                                  
     1711      Heating, Plumbing, A/C                                                               
     1731      Electrical Contractors                                                                
     1740      Masonry, Stonework, and Plaster                                                       
     1750      Carpentry Contractors                                                                
     1761      Roofing/Siding, Sheet Metal                                                          
     1771      Concrete Work Contractors                                                            
     1799      Special Trade Contractors                                                             
     2741      Miscellaneous Publishing and Printing                                                 
     2791      Typesetting, Plate Making, and Related Services                                       
     2842      Specialty Cleaning                                                                    
     3000-3299      Airlines                                                                              
     3351-3441      Car Rental                                                                           
     3501-3790      Hotels/Motels/Inns/Resorts                                                            
     4011      Railroads                                                                              
     4111      Commuter Transport, Ferries                                                           
     4112      Passenger Railways                                                                    
     4119      Ambulance Services                                                                    
     4121      Taxicabs/Limousines                                                                  
     4131      Bus Lines                                                                            
     4214      Motor Freight Carriers and Trucking - Local and Long Distance, Moving and Storage
                   Companies, and Local Delivery Services                                                              
     4215      Courier Services                                                                
                   Public Warehousing and Storage – Farm Products, Refrigerated Goods
     4225      Household Goods, and Storage
     4411      Cruise Lines                                                                     
     4457      Boat Rentals and Leases                                                         
     4468      Marinas, Service and Supplies                                                    
     4511      Airlines, Air Carriers                                                          
     4582      Airports, Flying Fields                                                        
     4722      Travel Agencies, Tour Operators                                                 
     4723      TUI Travel - Germany                                                           
     4784      Tolls/Bridge Fees                                                                
     4789      Transportation Services (Not Elsewhere Classified)                              
     4812      Telecommunication Equipment and Telephone Sales                                   
     4814      Telecommunication Services                                                        
     4816      Computer Network Services                                                         
     4821      Telegraph Services                                                                
     4829      Wires, Money Orders                                                              
     4899      Cable, Satellite, and Other Pay Television and Radio                             
     4900      Utilities                                                                        
     5013      Motor Vehicle Supplies and New Parts                                              
     5021      Office and Commercial Furniture                                                  
     5039      Construction Materials (Not Elsewhere Classified)                                 
     5044      Photographic, Photocopy, Microfilm Equipment, and Supplies                        
     5045      Computers, Peripherals, and Software                                              
     5046      Commercial Equipment (Not Elsewhere Classified)                                   
     5047      Medical, Dental, Ophthalmic, and Hospital Equipment and Supplies                 
     5051      Metal Service Centers                                                             
     5065      Electrical Parts and Equipment                                                    
     5072      Hardware, Equipment, and Supplies                                                 
     5074      Plumbing, Heating Equipment, and Supplies                                         
     5085      Industrial Supplies (Not Elsewhere Classified)                                    
     5094      Precious Stones and Metals, Watches and Jewelry                                   
     5099      Durable Goods (Not Elsewhere Classified)                
     5111      Stationary, Office Supplies, Printing and Writing Paper                        
     5122      Drugs, Drug Proprietaries, and Druggist Sundries                               
     5131      Piece Goods, Notions, and Other Dry Goods                                      
     5137      Uniforms, Commercial Clothing                                                  
     5139      Commercial Footwear                                                           
     5169      Chemicals and Allied Products (Not Elsewhere Classified)                       
     5172      Petroleum and Petroleum Products                                              
     5192      Books, Periodicals, and Newspapers                                             
     5193      Florists Supplies, Nursery Stock, and Flowers                                  
     5198      Paints, Varnishes, and Supplies                                                
     5199      Non-durable Goods (Not Elsewhere Classified)                                    
     5200      Home Supply Warehouse Stores                                                  
     5211      Lumber, Building Materials Stores                                             
     5231      Glass, Paint, and Wallpaper Stores                                             
     5251      Hardware Stores                                                               
     5261      Nurseries, Lawn and Garden Supply Stores                                      
     5271      Mobile Home Dealers                                                            
     5300      Wholesale Clubs                                                                
     5309      Duty Free Stores                                                               
     5310      Discount Stores                                                               
     5311      Department Stores                                                              
     5331      Variety Stores                                                                 
     5399      Miscellaneous General Merchandise                                              
     5411      Grocery Stores, Supermarkets                                                   
     5422      Freezer and Locker Meat Provisioners                                          
     5441      Candy, Nut, and Confectionery Stores                                           
     5451      Dairy Products Stores                                                          
     5462      Bakeries                                                                       
     5499      Miscellaneous Food Stores – Convenience Stores and Specialty Markets           
     5511      Car & Truck Dealers (New & Used) Sales, Service, Repairs Parts and Leasing
     5521      Car & Truck Dealers (Used Only) Sales, Service, Repairs Parts and Leasing
     5531      Auto and Home Supply Stores                                                    
     5532      Automotive Tire Stores                                                          
     5533      Automotive Parts and Accessories Stores                                         
     5541      Service Stations                                                               
     5542      Automated Fuel Dispensers                                                       
     5551      Boat Dealers                                                                    
     5561      Camper, Recreational and Utility Trailer Dealers                                
     5571      Motorcycle Shops and Dealers                                                    
     5592      Motor Homes Dealers                                                            
     5598      Snowmobile Dealers                                                              
     5599      Miscellaneous Auto Dealers                                                      
     5611      Men’s and Boy’s Clothing and Accessories Stores                                 
     5621      Women’s Ready-To-Wear Stores                                                    
     5631      Women’s Accessory and Specialty Shops                                           
     5641      Children’s and Infant’s Wear Stores                                             
     5651      Family Clothing Stores                                                          
     5655      Sports and Riding Apparel Stores                                                
     5661      Shoe Stores                                                                     
     5681      Furriers and Fur Shops                                                          
     5691      Men’s, Women’s Clothing Stores                                                  
     5697      Tailors, Alterations                                                          
     5698      Wig and Toupee Stores                                                           
     5699      Miscellaneous Apparel and Accessory Shops                                       
     5712      Furniture, Home Furnishings, and Equipment Stores, Except Appliances            
     5713      Floor Covering Stores                                                           
     5714      Drapery, Window Covering, and Upholstery Stores                                 
     5718      Fireplace, Fireplace Screens, and Accessories Stores                            
     5719      Miscellaneous Home Furnishing Specialty Stores                                  
     5722      Household Appliance Stores                                                     
     5732      Electronics Stores                                                             
     5733      Music Stores-Musical Instruments, Pianos, and Sheet Music                       
     5734      Computer Software Stores                                                        
     5735      Record Stores                                                                   
     5811      Caterers                                                                        
     5812      Eating Places, Restaurants                                                    
     5813      Drinking Places                                                               
     5814      Fast Food Restaurants                                                         
     5912      Drug Stores and Pharmacies                                                    
     5921      Package Stores—Beer, Wine, and Liquor                                         
     5931      Used Merchandise and Secondhand Stores                                        
     5932      Antique Shops                                                                  
     5933      Pawn Shops                                                                   
     5935      Wrecking and Salvage Yards                                                  
     5937      Antique Reproductions                                                          
     5940      Bicycle Shops                                                                 
     5941      Sporting Goods Stores                                                        
     5942      Book Stores                                                                   
     5943      Stationery Stores, Office, and School Supply Stores                          
     5944      Jewelry Stores, Watches, Clocks, and Silverware Stores                        
     5945      Hobby, Toy, and Game Shops                                                    
     5946      Camera and Photographic Supply Stores                                         
     5947      Gift, Card, Novelty, and Souvenir Shops                                       
     5948      Luggage and Leather Goods Stores                                              
     5949      Sewing, Needlework, Fabric, and Piece Goods Stores                            
     5950      Glassware, Crystal Stores                                                     
     5960      Direct Marketing - Insurance Services                                        
     5962      Direct Marketing - Travel                                                    
     5963      Door-To-Door Sales                                                            
     5964      Direct Marketing - Catalog Merchant                                          
     5965      Direct Marketing - Combination Catalog and Retail Merchant                    
     5966      Direct Marketing - Outbound Tele                                              
     5967      Direct Marketing - Inbound Tele                                               
     5968      Direct Marketing - Subscription                                               
     5969      Direct Marketing - Other                                                      
     5970      Artist’s Supply and Craft Shops                                                
     5971      Art Dealers and Galleries                                                      
     5972      Stamp and Coin Stores                                                         
     5973      Religious Goods Stores                                                          
     5975      Hearing Aids Sales and Supplies                                                 
     5976      Orthopedic Goods - Prosthetic Devices                                           
     5977      Cosmetic Stores                                                                 
     5978      Typewriter Stores                                                               
     5983      Fuel Dealers (Non Automotive)                                                   
     5992      Florists                                                                        
     5993      Cigar Stores and Stands                                                         
     5994      News Dealers and Newsstands                                                     
     5995      Pet Shops, Pet Food, and Supplies                                               
     5996      Swimming Pools Sales                                                           
     5997      Electric Razor Stores                                                          
     5998      Tent and Awning Shops                                                           
     5999      Miscellaneous Specialty Retail                                                  
     6010      Manual Cash Disburse                                                            
     6011      Automated Cash Disburse                                                         
     6012      Financial Institutions                                                          
     6051      Non-Fl, Money Orders                                                            
     6211      Security Brokers/Dealers                                                        
     6300      Insurance Underwriting, Premiums                                                
     6399      Insurance - Default                                                             
     6513      Real Estate Agents and Managers - Rentals                                      
     7011      Hotels, Motels, and Resorts                                                     
     7012      Timeshares                                                                     
     7032      Sporting/Recreation Camps                                                       
     7033      Trailer Parks, Campgrounds                                                      
     7210      Laundry, Cleaning Services                                                     
     7211      Laundries                                                                       
     7216      Dry Cleaners                                                                    
     7217      Carpet/Upholstery Cleaning                                                      
     7221      Photographic Studios
     7230      Barber and Beauty Shops                                                         
     7251      Shoe Repair/Hat Cleaning                                                        
     7261      Funeral Services, Crematories                                                   
     7273      Dating/Escort Services                                                          
     7276      Tax Preparation Services                                                         
     7277      Counseling Services                                                             
     7278      Buying/Shopping Services                                                         
     7296      Clothing Rental                                                                  
     7297      Massage Parlors                                                                  
     7298      Health and Beauty Spas                                                           
     7299      Miscellaneous General Services                                                   
     7311      Advertising Services                                                             
     7321      Credit Reporting Agencies                                                        
     7333      Commercial Photography, Art and Graphics                                        
     7338      Quick Copy, Repro, and Blueprint                                                 
     7339      Secretarial Support Services                                                    
     7342      Exterminating Services                                                           
     7349      Cleaning and Maintenance                                                         
     7361      Employment/Temp Agencies                                                         
     7372      Computer Programming                                                             
     7375      Information Retrieval Services                                                   
     7379      Computer Repair                                                                  
     7392      Consulting, Public Relations                                                     
     7393      Detective Agencies                                                               
     7394      Equipment Rental                                                                
     7395      Photo Developing                                                                
     7399      Miscellaneous Business Services                                                  
     7511      Truck Stop                                                                       
     7512      Car Rental Agencies                                                              
     7513      Truck/Utility Trailer Rentals                                                    
     7519      Recreational Vehicle Rentals                                                   
     7523      Parking Lots, Garages                                                            
     7531      Auto Body Repair Shops                                                          
     7534      Tire Retreading and Repair                                                       
     7535      Auto Paint Shops                                                                 
     7538      Auto Service Shops                                                            
     7542      Car Washes                                                                     
     7549      Towing Services                                                                
     7622      Electronics Repair Shops                                                       
     7623      A/C, Refrigeration Repair                                                     
     7629      Small Appliance Repair                                                         
     7631      Watch/Jewelry Repair                                                           
     7641      Furniture Repair, Refinishing                                                 
     7692      Welding Repair                                                                 
     7699      Miscellaneous Repair Shops                                                   
     7829      Picture/Video Production                                                       
     7832      Motion Picture Theaters                                                        
     7841      Video Tape Rental Stores                                                       
     7911      Dance Hall, Studios, Schools                                                   
     7922      Theatrical Ticket Agencies                                                     
     7929      Bands, Orchestras                                                             
     7932      Billiard/Pool Establishments                                                   
     7933      Bowling Alleys                                                                 
     7941      Sports Clubs/Fields                                                            
     7991      Tourist Attractions and Exhibits                                              
     7992      Golf Courses - Public                                                         
     7993      Video Amusement Game Supplies                                                  
     7994      Video Game Arcades                                                             
     7995      Betting/Casino Gambling                                                        
     7996      Amusement Parks/Carnivals                                                      
     7997      Country Clubs                                                                  
     7998      Aquariums                                                                      
     7999      Miscellaneous Recreation Services                                              
     8011      Doctors                                                                        
     8021      Dentists, Orthodontists                                                        
     8031      Osteopaths                                                                     
     8041      Chiropractors                                                                  
     8042      Optometrists, Ophthalmologists                                                 
     8043      Opticians, Eyeglasses                                                          
     8049      Chiropodists, Podiatrists                                                      
     8050      Nursing/Personal Care                                                          
     8062      Hospitals                                                                      
     8071      Medical and Dental Labs                                                        
     8099      Medical Services                                                               
     8111      Legal Services, Attorneys                                                      
     8211      Elementary, Secondary Schools                                                  
     8220      Colleges, Universities                                                         
     8241      Correspondence Schools                                                         
     8244      Business/Secretarial Schools                                                  
     8249      Vocational/Trade Schools                                                        
     8299      Educational Services                                                           
     8351      Child Care Services                                                            
     8398      Charitable and Social Service Organizations - Fundraising                      
     8641      Civic, Social, Fraternal Associations                                          
     8651      Political Organizations                                                       
     8675      Automobile Associations                                                         
     8699      Membership Organizations                                                       
     8734      Testing Laboratories                                                            
     8911      Architectural/Surveying Services                                                
     8931      Accounting/Bookkeeping Services                                                 
     8999      Professional Services                                                          
     9211      Court Costs, Including Alimony and Child Support - Courts of Law               
     9222      Fines - Government Administrative Entities                                     
     9223      Bail and Bond Payments                                                        
     9311      Tax Payments - Government Agencies                                              
     9399      Government Services (Not Elsewhere Classified)                                 
     9402      Postal Services - Government Only                                              
     9405      U.S. Federal Government Agencies or Departments                               
     9950      Intra-Company Purchases