One platform, every EPI API.
Payments, billing, agent tooling, card-present terminals, and gift cards – all documented in one place. JSON in and out over HTTPS, sandbox credentials, copy-paste examples. Pick an API to get started.
Direct to the card networks – one integration.
Every API here runs on Cygma®, EPI’s proprietary front-end authorization and back-end clearing platform: all major networks, automatic interchange optimization, and same-day funding. Credit and debit – EMV, NFC, contactless, Level II & III.
Why teams build on Cygma
plus STAR, Pulse, NYCE, Accel & EBT – all major credit & debit networks.
The APIs
A full ISO 8583 payments switch wrapped in a JSON API. Authorize card payments directly – no intermediate gateway – from carts, kiosks, and VAR integrations.
The Merchant360 gateway API – card payments, ACH debits and credits, hosted checkout with a popup Checkout Button, invoices, subscriptions, customers, inventory, and signed webhooks. Scoped, rate-limited keys with a live sandbox.
A REST API for ISO360 agent offices. Push a merchant statement and get a rate analysis back as a proposal in your office; read your boarding applications. One bearer key per office.
Three Handpoint surfaces on one page: the REST API for taking payments on physical terminals, the TMS API for provisioning merchants and terminals, and the Transaction Feed for reporting.
The eGiftSolutions API – issue and redeem stored-value gift cards, run loyalty points, and drop a gift-card purchase widget onto any site.
The legacy ProCharge REST API – card transactions, tokenization, batching, Cygma reporting, ACH, gift cards, and invoices. Documented in full for existing integrations, but deprecated: new applications should build on the Cygma or Merchant360 APIs.
What every API shares
Every endpoint speaks JSON over TLS. Consistent request envelopes and response shapes across the platform.
A scoped credential per merchant, terminal, or office – no shared secrets, easy to rotate, revocable instantly.
Cert / sandbox endpoints mirror production exactly, so you can build and test against real response codes before going live.