Electronic Payment Exchange (EPX)

Financial Services86% confidence

Electronic Payment Exchange (EPX) is a payment processor and merchant acquirer that provides integrated credit card, debit card, and ACH processing services to businesses and financial institutions.

Wilmington, Delaware, United States
epx.com
Owned by North American Bancard Holdings

About Electronic Payment Exchange (EPX)

Electronic Payment Exchange (EPX) is a full‑service payment processor and merchant acquirer headquartered in Wilmington, Delaware. Founded in 1979, EPX provides a unified, secure platform for processing credit card, debit card, ACH/e‑check, and stored‑value transactions for brick‑and‑mortar stores, e‑commerce businesses, call centers, and self‑service environments like kiosks and parking systems. The company acts as a payment gateway, processor, and acquirer, offering tokenization, hosted checkout, recurring billing, and fraud and data‑security tools for merchants across the U.S., Canada, Europe, Latin America, the Caribbean, and other regions.

A charge with a descriptor like “EPX FE 036526715” typically indicates a transaction or fee processed through Electronic Payment Exchange rather than a direct consumer‑facing retailer. In many cases, EPX appears on statements for merchants that use it as their back‑end processor, or for settlement, funding, or fee activity tied to a merchant account. The “FE” portion often relates to fees or settlement entries, and the trailing digits (such as 036526715) may be an internal reference, batch, or settlement identifier. For individual cardholders, this may show up if a business you purchased from uses EPX as its processor, or if you yourself hold or manage a merchant account that settles via EPX.

If you do not recognize an EPX descriptor, start by matching the date and amount to receipts from any recent purchases or to your merchant account statements if you are a business. For consumer purchases, the underlying merchant name may differ from the processor name on the statement, so check with the store or service where you made the payment. Business merchants should log in to their EPX/North American Bancard portal or contact support using the phone number or email provided in their merchant onboarding documents. If you still cannot identify the transaction, contact your card issuer to dispute unknown charges and ask them to trace the transaction through EPX’s network using the full descriptor and reference number.

Bank Statement Variations

3 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to Electronic Payment Exchange (EPX).

  1. EPX FE 034371791
  2. EPX FE 036526715
  3. EPX ST 032526206

Frequently Asked Questions

Why do I see an EPX or "EPX FE" charge on my statement when I never shopped with a company called Electronic Payment Exchange?

EPX (Electronic Payment Exchange) is a payment processor and merchant acquirer that handles transactions on behalf of many different businesses. The descriptor “EPX” or “EPX FE” usually means your card was processed through their network for a merchant you did interact with, or that a settlement or fee related to a merchant account was posted. Match the date and amount with your recent purchases or your merchant account statement to identify the underlying business.

What does the "FE" and the long number (e.g., "EPX FE 036526715") mean?

In descriptors like "EPX FE 036526715," the "FE" commonly indicates a fee or settlement entry, while the trailing numbers function as an internal reference, batch, or settlement ID used by EPX and your acquiring bank. This number can help EPX or your bank trace the exact transaction or batch if you contact support with a billing question.

Could an EPX charge be related to my own business merchant account rather than a personal purchase?

Yes. If you operate a business that accepts cards through a provider using EPX, you may see EPX charges for monthly fees, terminal or gateway fees, chargeback fees, or settlement adjustments. Review your merchant processing agreement and your monthly merchant statement to see if the EPX descriptor and dollar amount match scheduled fees or recent settlement activity.

How can I verify which merchant is behind an EPX transaction I don’t recognize?

First, check the transaction date and amount against your receipts or invoices. If you are a consumer, contact the merchants you visited around that date and ask if they use EPX or North American Bancard for processing. If you are a merchant, log into your merchant portal or contact your merchant services provider for a detailed transaction report. Your card issuer can also initiate a trace through EPX using the full descriptor and reference number.

How do I request a refund or dispute an EPX‑processed charge?

Refunds must be requested from the actual merchant that provided the product or service, not from EPX directly. Contact the store, website, or service where you made the purchase and follow their refund or cancellation policy. If you cannot reach the merchant or believe the transaction is fraudulent, contact your bank or card issuer to dispute the charge; they can work through EPX and the acquiring bank as part of the chargeback process.

Does EPX place temporary or small authorization holds on my card?

EPX, acting on behalf of a merchant, may facilitate small temporary authorizations (for example, $0 or $1 test charges or pre‑authorizations at hotels, fuel pumps, or online services) to verify that a card is valid. These are usually reversed automatically and should disappear from your online banking or statement within a few days. If a small EPX authorization remains pending for an extended period, contact your bank to confirm when it will be released.

How can I contact Electronic Payment Exchange if I have questions about a merchant account or settlement fee?

Merchants processing through EPX can typically contact support using the dedicated phone numbers and email addresses provided in their onboarding materials, often linked from epx.com or via their North American Bancard portal. Have your merchant ID, the full descriptor (e.g., "EPX FE 036526715"), the transaction date, and the exact amount ready so EPX or your provider can quickly locate the related batch or settlement record.

Are recurring or subscription payments ever labeled with EPX on my statement?

Yes. If a subscription or recurring service (such as a membership, SaaS product, or utility) uses EPX as its payment processor, your recurring charges may show an EPX‑related descriptor, especially for settlement or back‑end entries. Review the date and amount against any subscriptions you hold and log into those accounts to confirm billing cycles or cancel future renewals if you no longer wish to be charged.

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