Question 1

What does Epic Pay do?

Accepted Answer

Epic Pay (Epic Payment Technologies Limited) is a Nigerian PSS-licensed payment gateway offering a full suite of developer APIs through a dedicated developer portal at developer.epicpay.com. The platform is PCI DSS 4.0 certified — one of the most current versions of the payment security standard — and provides Payment, Boarding/Agent, and Reporting APIs alongside SDKs for Java and C#/.NET. Epic Pay is notable for its white-label capabilities and its active developer community, the Epic Pay Developers Circle.

What the API Does

The Epic Pay API suite covers three main areas: (1) Payment API — initiate one-time and recurring payments, tokenize card payloads, manage customer records, and perform Address Verification Service (AVS) checks. (2) Boarding/Agent API — programmatically onboard merchants and agents onto the Epic Pay gateway, configure their settings, and manage their accounts. (3) Reporting API — retrieve real-time and historical transaction data for reconciliation and financial reporting.

How Developers Use It

Developers access the portal at developer.epicpay.com, create an account, obtain API keys, and integrate using the provided documentation and SDKs. Java and C#/.NET SDKs are available to simplify integration. The API is REST-based. A Dev Lab environment is available for sandbox testing. AVS codes are returned in real-time within sale and authorize responses.

Pricing

Not publicly listed. Developers can access the developer portal and Dev Lab for free. Transaction fee structure requires contacting Epic Pay directly. As a PSS-licensed provider, fees are likely in line with CBN-regulated payment industry standards.

Authentication

API Key from the EpicPay Gateway Developer Portal. Keys are used to authenticate all API requests.

Compliance

PSS (Payment Service Solution) licensed by the CBN. PCI DSS 4.0 certified — one of the most current PCI versions, demonstrating strong card data security practices.

Challenges and Gotchas

(1) No USSD or crypto support. (2) Pricing not public — requires direct engagement. (3) Less community presence than Paystack/Flutterwave — documentation depth may be lower. (4) White-label and agent boarding make it more suitable for ISOs and platform builders than simple merchant integrations.

Company Background

Epic Payment Technologies Limited is a Nigerian payment company focused on providing payment infrastructure for businesses, developers, and agent networks. The Developers Circle community initiative shows active engagement with the Nigerian developer ecosystem.

FAQs

Q: Does Epic Pay support recurring billing?
A: Yes. The Payment API supports recurring payments with tokenized card storage.

Q: Is there a sandbox?
A: Yes. A Dev Lab environment is available at developer.epicpay.com/Docs/DevLab.

Q: What SDKs are available?
A: Java and C#/.NET SDKs are available on GitHub under EpicGateway organization.

Q: Can I build a white-label payment product with Epic Pay?
A: Yes. Epic Pay specifically supports white-label payment platform deployments with the Boarding API for sub-merchant management.

PCI DSS 4.0 certification at Epic Pay ensures that the platform meets the most current version of the Payment Card Industry Data Security Standard, providing Nigerian merchants with confidence that card data processed through Epic Pay is handled in compliance with international card scheme security requirements. For Nigerian businesses that accept card payments through Epic Pay's infrastructure, the certification removes independent PCI compliance burden from the merchant's own systems for card data that flows through Epic Pay's hosted solutions.

The white-label capability of Epic Pay allows Nigerian fintech companies to deploy a branded payment gateway under their own product identity, using Epic Pay's underlying infrastructure and licensing without exposing the white-label arrangement to end customers. This model benefits Nigerian fintechs that want to offer payment collection as part of a broader product suite — a lending platform offering collection infrastructure to borrowers, an HR platform providing payroll collection tools — under their own brand without building and licensing payment infrastructure independently.

Agent boarding through Epic Pay's multi-API developer portal enables platforms managing agent networks to programmatically register agents, configure their access levels, and provision their payment acceptance capabilities. For Nigerian platforms operating agent banking networks, field sales agent networks, or merchant partner programs, automated agent onboarding through an API dramatically reduces the operational cost and time of expanding the agent network compared to manual registration processes.

Question 2

How much does Epic Pay cost?

Accepted Answer

Epic Pay is free to start, with paid tiers for higher usage (freemium). Not publicly listed. Contact Epic Pay for transaction fee structure. Free developer portal access for testing.

Question 3

How do I authenticate with the Epic Pay API?

Accepted Answer

API Key (from EpicPay Gateway Developer Portal)

Question 4

Is there a rate limit on Epic Pay?

Accepted Answer

Not publicly specified

Question 5

Does Epic Pay offer a sandbox or test mode?

Accepted Answer

Yes — Epic Pay provides a sandbox or test environment so you can integrate and test before going live.

Question 6

What is Epic Pay best suited for?

Accepted Answer

Nigerian businesses, fintechs, and developers that need a white-label-ready payment gateway with PCI DSS 4.0 certification, supporting one-time payments, recurring billing, tokenization, and agent boarding via a multi-API developer portal.

Question 7

Is there anything else I should know before integrating Epic Pay?

Accepted Answer

Epic Pay holds a PSS (Payment Service Solution) licence and is PCI DSS 4.0 certified. Developer portal at developer.epicpay.com offers Payment, Boarding/Agent, and Reporting APIs. SDKs available for Java and C#/.NET. Developers Circle active community for Nigerian API builders.

Question 8

Where can I find Epic Pay's documentation?

Accepted Answer

The official API documentation is at https://developer.epicpay.com/. The provider's website is https://www.epicpay.co.

Question 9

Does Epic Pay support Nigerian developers?

Accepted Answer

Yes — Epic Pay explicitly supports Nigerian developers/use cases.

Epic Pay

Features Included

Not Supported

Key Highlights

Required Access Documents

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