Electronic payment Exchange Inc

Electronic Payment Exchange (EPX) is a full-stack, PCI-compliant payments platform that has processed card, ACH, and alternative payments for merchants and banks across the United States, Canada, Europe, Latin America, and the Caribbean for more than forty years. Now part of North (North American Bancard), EPX combines the roles of ISO, merchant acquirer, gateway, and front-end and back-end processor under one contract. Its BRIC technology issues a unique token for every transaction so cardholder data never touches the merchant environment. Developers integrate through EPX Hosted Checkout, the Hosted Pay Page, the Browser Post API, and the North EPX Custom Pay REST API, all documented on the North Developer portal, supporting sales, authorizations, captures, refunds, voids, recurring billing, and batch settlement with EMV, tokenization, and encryption throughout.

Electronic payment Exchange Inc publishes 1 API on the APIs.io network. Tagged areas include Company, Payments, Payment Processing, Merchant Acquiring, and Payment Gateway.

Electronic payment Exchange Inc’s developer surface includes documentation, API reference, getting-started guide, engineering blog, support, authentication, and 8 more developer resources.

🌐 Visit website 📡 Source on GitHub

26.4/100 thin ▬ flat Agent 3/100 human only saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

1 APIs

Company Payments Payment Processing Merchant Acquiring Payment Gateway TokenizationCredit Card ProcessingACH Fintech

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 26.4/100 · thin

Contract Quality 0.0 / 21

Developer Ergonomics 9.7 / 17

Access Clarity 4.7 / 17

Operational Transparency 1.7 / 11

Contract Governance 0.0 / 10

Discoverability 6.5 / 9

Regulatory Posture 4.7 / 15

Agent readiness — 3/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/electronic-payment-exchange-inc: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

EPX Payments API

EPX card-not-present and card-present payment processing surface — Hosted Checkout, Hosted Pay Page, Browser Post API, and the North EPX Custom Pay REST API — handling sales, au...

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Electronic Payment Exchange Inc Authentication

apiKey · 2 schemes

SECURITY

Electronic Payment Exchange Inc Domain Security

TLSv1.3 · DMARC

SECURITY

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

Login

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Lifecycle

Lifecycle

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 2

Status, limits, changes, and where to get help

Support

Support

StatusPage

StatusPage

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 1

The organization behind the API

Blog

Blog

Source (apis.yml)

aid: electronic-payment-exchange-inc
name: Electronic payment Exchange Inc
description: Electronic Payment Exchange (EPX) is a full-stack, PCI-compliant payments platform that has processed card, ACH,
  and alternative payments for merchants and banks across the United States, Canada, Europe, Latin America, and the Caribbean
  for more than forty years. Now part of North (North American Bancard), EPX combines the roles of ISO, merchant acquirer,
  gateway, and front-end and back-end processor under one contract. Its BRIC technology issues a unique token for every transaction
  so cardholder data never touches the merchant environment. Developers integrate through EPX Hosted Checkout, the Hosted
  Pay Page, the Browser Post API, and the North EPX Custom Pay REST API, all documented on the North Developer portal, supporting
  sales, authorizations, captures, refunds, voids, recurring billing, and batch settlement with EMV, tokenization, and encryption
  throughout.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  generated: '2026-09-03'
  method: derived
image: https://www.epx.com/app/default/assets/addons/default/epx/epx_theme-theme/resources/853506e8a63744c7bc743bafcdf8072d.gif?v=1784398777
url: https://raw.githubusercontent.com/api-evangelist/electronic-payment-exchange-inc/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- insight-partners
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Payments
- Payment Processing
- Merchant Acquiring
- Payment Gateway
- Tokenization
- Credit Card Processing
- ACH
- Fintech
apis:
- name: EPX Payments API
  description: EPX card-not-present and card-present payment processing surface — Hosted Checkout, Hosted Pay Page, Browser
    Post API, and the North EPX Custom Pay REST API — handling sales, authorizations, captures, refunds, voids, recurring
    billing, and batch settlement, with BRIC tokenization for every transaction.
  humanURL: https://developer.north.com/
  baseURL: https://secure.epx.com
  tags:
  - Payments
  - Payment Processing
  - Tokenization
  properties:
  - type: Authentication
    url: authentication/electronic-payment-exchange-inc-authentication.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/electronic-payment-exchange-inc-domain-security.yml
- type: DeveloperPortal
  url: https://developer.north.com/
- type: Documentation
  url: https://developer.north.com/products/online/epx-hosted-checkout/integration-guide
- type: APIReference
  url: https://developer.north.com/supplemental-resources/epx-data-dictionary/transaction-request-fields
- type: GettingStarted
  url: https://developer.north.com/products/online/epx-hosted-checkout/integration-guide
- type: Blog
  url: https://developer.north.com/blog
- type: Support
  url: https://www.epx.com/contact
- type: Login
  url: https://websuite.epx.com/
- type: TermsOfService
  url: https://www.epx.com/terms
- type: PrivacyPolicy
  url: https://www.epx.com/privacy-policy
- type: StatusPage
  url: https://trust.paymentshub.com/
- type: Lifecycle
  url: lifecycle/electronic-payment-exchange-inc-lifecycle.yml
- type: Authentication
  url: authentication/electronic-payment-exchange-inc-authentication.yml
- type: LLMsTxt
  url: llms/electronic-payment-exchange-inc-llms.txt
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

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