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Settles into your own bank account.
Five ways for your customer to pay — bank transfer, wire, card, Bitcoin Lightning, or stablecoin. Every payment lands with a tamper-proof receipt anyone can check — no account, no calling us. No middleman in the money path.
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Pick the rail that fits the moment — same tamper-evident, publicly verifiable receipt lands on every one.
Settles into your own bank account.
Same-day bank settlement for larger sums.
Customer pays by card; you receive stablecoin.
USDC straight to a wallet you control.
Near-instant Bitcoin settlement.
Compare to a typical card processor at 2.9% + $0.30 — on a $50 sale you'd keep $48.25. EpochPay's bank-transfer, stablecoin, and Lightning rails are all cheaper than card for everyday payments. Worked examples on for-merchants.
A payment rail that stays out of your money path and leaves proof you control — independent of us.
We don't sit in the middle of the money path. Bank rails land in your bank; Lightning and stablecoin land in a wallet you control.
Every payment lands a receipt with a unique fingerprint. Anyone can verify it themselves on /verify — no account, no calling you, no calling us.
Anti-money-laundering scoring, identity checks, and sanctions screening on every payment — without you having to wire any of it up.
Receipts live on a public record we don't control. You and your customers can still verify them forever, with or without us.
If you're integrating EpochPay yourself, here's the API. Auth on every merchant route is an API key in the Authorization header.
POST /v1/intents — signed payment intent.
POST /v1/verify — anyone verifies any receipt.
GET /v1/rails — fee schedule + activation state.
GET /api/openapi.json — drop into Postman or Insomnia.