epay

epay Overview For Merchants

epay is a full-service payment provider that enables merchants to accept cards and alternative payment methods across in-store, online, and connected retail touchpoints. As part of Euronet Worldwide, epay combines acquiring, terminals, e-commerce interfaces, SoftPOS on Android, and value-added services such as DCC, tax-free and digital receipts under one interface.

What Is epay?

epay is the digital payments unit of Euronet Worldwide. In the DACH region its services are operated by transact Elektronische Zahlungssysteme GmbH, headquartered near Munich. epay positions itself as an independent full-service provider that connects retailers, brands and consumers with gift card, prepaid, payment, issuing and acquiring solutions. The company reports global operations across 64 countries with roughly 766,000 points of sale and around 348,000 retail locations. For merchants this means one provider that covers multiple parts of the payment journey, from acceptance to reporting and incentives.

Payment Acceptance Across Channels

In-Store Terminals

epay provides a wide range of POS terminals for stationary and mobile use, plus Android-based smart devices. Terminal options are configured to support the payment methods relevant for each merchant and can be combined with value-added features such as tipping and reverse receipt printing. For unattended environments, epay also supplies vending machine modules so merchants can extend acceptance to kiosks and self-service devices.

Cash Register Integration

For merchants integrating payments into an existing electronic cash register, epay offers the epay Integration Module. This universal POS driver connects to common payment terminals without requiring direct support for each terminal interface. It reduces reintegration work when changing POS and unlocks add-ons like QR wallets, prepaid top-ups and gift cards from the same interface.

SoftPOS On Android

If you want to accept contactless cards and mobile wallets without a traditional terminal, epay’s SoftPOS enables Android smartphones, tablets and handhelds to function as acceptance devices. The solution supports local German debit card girocard alongside other contactless methods, which can be useful for mobility, seasonal pop-ups, field service or queue busting.

Online And In-App

For e-commerce and apps, epay provides the securepay interface. It includes an iFrame option to keep card data out of your environment, supports 3-D Secure for credit cards, and plugs into epay’s reporting so online transactions can be monitored and reconciled alongside in-store volumes. The goal is a single partner for omnichannel acceptance.

Supported Payment Methods And Acquiring

Card Schemes

epay’s acquiring solutions cover major international card brands: Visa and Mastercard credit and debit, plus Maestro and V Pay where applicable. Merchants in supported markets can also enable Discover Global Network acceptance, which includes Discover and Diners Club International via a single integration. This expands reach to international cardholders and can be activated alongside other methods.

Alternative Payment Methods

Beyond cards, epay supports a portfolio of QR-based and local wallets including Alipay and Alipay+, WeChat Pay, Bluecode and PayPal QR. These can be integrated at the POS through terminals or via the epay DLL interface for ECR integrations. For retailers serving tourists and international students, enabling these methods can materially increase conversion at checkout.

Value-Added Options

Merchants can offer Dynamic Currency Conversion so non-euro customers pay in their home currency. epay also provides tax-free functionality to streamline VAT refunds for eligible non-EU shoppers. Both options can improve the shopping experience for international visitors while generating incremental revenue or cost savings.

Reporting, Reconciliation And Portals

epay consolidates data across channels. The Merchant Portal gives registered merchants a real-time view of transactions, analytics and reporting. For chain retailers and brand partners, eConnect provides a dashboard that can break down results to store or product level. For girocard in Germany, epay’s indirect clearing aggregates transactions to a central escrow account and transfers a cumulative credit to the merchant, which reduces accounting entry fees. Export functions and billing-grade reporting are available so finance teams can reconcile payouts and fees.

Security, Compliance And Availability

epay states annual certification to PCI DSS, the industry standard for protecting cardholder data. For e-commerce, the securepay iFrame solution supports PCI DSS scope reduction and 3-D Secure processing. epay also references additional controls such as ISO/IEC 27001 and Visa PIN security audits as part of its security posture. On the infrastructure side, epay cites payment host availability of 99.999 percent over the last 30 years for acquiring, which is relevant for high-throughput checkout environments.

Scale And Footprint

As part of Euronet, epay operates across a broad international footprint. The company highlights operations in Europe, the Americas, MENA, India, Southeast Asia, Australia and New Zealand. For merchants that sell into multiple countries or serve international shoppers, this scale matters because it determines which acceptance methods can be activated with one contract and how easily you can expand to new regions or brands.

Integration Options

• Terminals. Choose from stationary, portable or Android smart terminals based on store layout and throughput.

• ECR Integration. Use the epay Integration Module to connect payment to your POS without bespoke drivers for each terminal type.

• Virtual Terminals. Accept card payments off the traditional POS through virtual terminal capabilities when appropriate.

• E-Commerce. Implement securepay with an iFrame for reduced PCI scope and enable 3-D Secure for card transactions.

• Wallets. Add QR wallets using terminals or the DLL interface.

• Unattended. Deploy vending modules for kiosks, ticketing and self-service.

Strengths

• Single interface and provider across in-store, online and connected retail.

• Broad method coverage including major card brands and QR-based APMs.

• Android SoftPOS and smart terminals support mobile acceptance and flexible store formats.

• Real-time portals and reporting, including options tailored to chains and brands.

• Security posture that includes PCI DSS certification and scheme-level audits.

• Value-added services like DCC, tax-free, digital receipts and integrated loyalty or gift cards.

Conclusion

epay is well suited to merchants that need consistent acceptance across many stores and channels, especially chains that want centralized reporting and the ability to add APMs quickly. It also fits retailers adopting Android-based POS or SoftPOS for mobility and those serving international shoppers who benefit from DCC, tax-free and wallets like Alipay or WeChat Pay. E-commerce merchants that want a single partner across online and in-store can use securepay alongside the POS stack to simplify reconciliation.