Take payments on your website without a payments middleman taking a cut of every sale.
Five ways for your customer to pay — bank transfer, wire, card-on-ramp, Bitcoin Lightning, or stablecoin. Your customer picks. You get the money in your account, not ours. Every payment lands with a receipt your customer can verify themselves — without calling you, and without calling us.
Operated by EpochCore LLC, a Delaware company headquartered in Huntersville, NC.
Money-transmitter licensing in progress; ACH and wire rails are in pilot.
See Trust for the full picture, email a human, or partners@epochpay.today for investors.
Developer? Skip the walkthrough and grab an API key →
What kind of business do you run?
Pick a segment — we'll show you what your customer's checkout looks like.
Online store: your customer picks "Pay $X" on your checkout page. They choose how to pay. The money lands in your business account, not in a payment-processor's escrow.
Here's what your customer sees.
Three views: their phone at checkout, your desktop dashboard, and the signed receipt they keep. (Real PNG screenshots drop in shortly — placeholders below.)
Mobile checkout
(your customer's phone)
Your dashboard
(epochpay.today/merchants)
Signed receipt PDF
+ QR verification code
Here's what you pay.
Per-transaction fees only — no monthly subscription required to take payments. Worked examples on a $50 sale:
| How they pay | Speed | Fee | You keep (on $50) |
|---|---|---|---|
| Bank transfer (ACH) | ~48 hours | $0.25 flat | $49.75 |
| Wire | ~4 hours | $25 flat | $25.00 (only worth it for big payments) |
| Card → stablecoin (via QSWT rail) | ~6 min | 0.50% | $49.75 |
| Stablecoin on Base L2 | ~3 min | 0.20% | $49.90 |
| Bitcoin Lightning | ~3.6 seconds | 0.10% | $49.95 |
Compare to a typical card processor at 2.9% + $0.30 → on a $50 sale you'd keep $48.25. EpochPay's most expensive rail (wire) only makes sense for big payments where the flat fee pays for itself; for everyday payments under ~$10,000 the bank-transfer, stablecoin, and Lightning rails are all cheaper than card. Subscription plans (for higher volume, support, dedicated capacity) are on the pricing page.
Here's how to verify a receipt.
If a customer ever sends you a receipt and asks "is this real?" — paste it below. One click. Yes or no.
Click Try an example to verify a sample receipt — no JSON, no developer tools, just a green check or a red X.
Common questions.
Do I need to know what an API is?
No. If you have a Shopify, Wix, or Squarespace site, we'll send a one-page setup doc to your web developer; total setup is about 30 minutes. If you don't have a web developer, talk to a human — we'll help you find one in Charlotte.
Where does my money actually go?
Directly to your account. We don't sit in the middle of the money path. ACH and wire land in your bank; Lightning and stablecoin land in a wallet you control. We just write the receipts.
What if EpochPay goes out of business?
Your sealed receipts remain verifiable forever — they're on a public record we don't control. Your customers can still check them. Your bank and wallet relationships are yours; you keep operating with another receipt provider or none at all.
Can I take payments now if I'm in [state]?
For the card and crypto rails: yes, in all 50 states. For ACH and wire: those rails are in pilot with a banking partner; we'll have you on the partner's compliance check before you go live. Talk to a human to confirm.
What about chargebacks?
Card rail: same chargeback exposure as any merchant — handled through the on-ramp partner. Bank, Lightning, and stablecoin rails: no chargebacks (the payment is final the moment it settles). Match the rail to your refund policy.
How do I get started?
Click Talk to a human above. 15-minute Zoom. We'll figure out which rails make sense for you and walk through the setup.