EPOCH Alternatives For High Risk Merchants

Reading Time: 3 minutes

Last Updated on February 14, 2024 by Corepay

When it comes to onboarding hard-to-place merchants, EPOCH is one of the most prolific payment facilitators. It was founded in 1996, making it possible for many merchants to accept payments in some of the hardest-to-board spaces. While there are many positives to focus on with EPOCH, we will be looking at some alternative options that offer lower pricing.

At Corepay, we offer direct merchant accounts to our high-risk merchants, and we are the best alternative to EPOCH should you be looking elsewhere.

Key Takeaways

  • Corepay, Verotel, and CC Bill are three fantastic EPOCH alternatives.
  • These alternatives offer unique features and benefits, so choosing based on specific business needs is important.
  • EPOCH offers an integration with Paypal, which is a feature many others are not able to offer.

What Is Epoch?

Epoch is a global payment processor you may use if you’re a high-risk merchant seeking diverse payment solutions. As a merchant, you’ll appreciate that Epoch supports multiple currencies and payment methods. It’s not just credit cards; you can accept payments through PayPal, ACH, and even cryptocurrencies.

How To Choose An Alternative To Epoch

When choosing an alternative to Epoch, identify your specific needs and requirements as a high-risk merchant. What are your payment processing needs? What are your budget constraints? 

Best Alternatives To Epoch

Let’s look at some of the best alternatives to Epoch that you should consider for your high-risk merchant needs.

Below, you will find our top choices.


At Corepay, we specialize in boarding merchants in hard-to-place verticals such as adult, online dating, fantasy sports, high-volume e-commerce, and CBD.

If you choose Corepay, you are selecting the following:

  1. Competitive Processing Rates: Recognizing the significance of providing you with the most competitive processing fees, CorePay aims to foster your business’s growth while optimizing profitability.
  2. Swift Approval Times: Acknowledging the urgency for businesses to secure sales, we prioritize rapid approvals, typically granting them within 24-72 hours.
  3. High-Volume Processing: Through our proprietary payment gateway, Netvalve, we have meticulously crafted a solution for high-risk companies managing substantial transaction volumes. Count on our platform’s ability to accommodate your business’s upward trajectory.
  4. Acceptance of Multiple Currencies: Understanding the global nature of your business, we empower you to accept payments in various currencies, expanding your reach and enhancing customer convenience.
  5. Robust Security Measures: Your business’s security remains our paramount concern. Our PCI-Level 1 secure payment gateway undergoes continuous monitoring and rigorous security testing, ensuring uninterrupted protection for your transactions.
  6. Mobile Payment Capabilities: Seamlessly embracing the mobile revolution, our platform enables you to accept payments from customers using their mobile devices, catering to evolving consumer preferences.
  7. Transparent Pricing: We uphold transparency and simplicity, exemplified by waiving application, setup, and annual fees. This ensures you can focus on managing your business without undue financial concerns.
  8. 24/7 Customer Service: Delivering exceptional customer service is our pride. Our dedicated support team is available round-the-clock to address your inquiries or concerns. Your contentment remains our utmost priority.

Summary Of Corepay As An Alternative To EPOCH

  • Can board all legal industries
  • Is a registered ISO in both the US and Europe
  • Far low pricing
  • Chargeback solutions


As a high-risk merchant, Verotel offers another compelling alternative for your payment processing needs. This global payment service provider specializes in online businesses, particularly high-risk ones. 

You’ll appreciate their user-friendly interface that simplifies transactions, making it easier for your customers to make payments. Verotel also provides a range of payment options, including credit and debit cards and even alternative payment methods like Bitcoin. 

The one potential downside to Verotel is that the rates can be quite steep for specific verticals.

Summary Of Verotel As An EPOCH Alternative

  • Transparent pricing
  • Able to board the hardest-to-board industries such as adult, CBD, and gaming
  • Recurring billing
  • Affiliate marketing

CC Bill

CC Bill is one of the most popular choices currently on the market and is very similar to EPOCH.

This platform isn’t just a payment processor; it’s a comprehensive financial management tool designed to assist you with high-risk industries.

There are several reasons why CC Bill stands out:

Summary of CC Bill

  • CC Bill offers payment processing regardless of credit
  • CC Bill boards many hard-to-place merchants
  • CC Bill is a payment aggregator
  • The downside to CC Bill is high payment processing fees of upwards of 10%
  • Corepay is the most reliable alternative to CC Bill, offering lower payment processing fees

More on CCBill alternatives here*


Should you want to switch from EPOCH or add another more affordable solution, we encourage you to fill out the application below to find out what Corepay can do for you.

We appreciate you following Corepay’s blog. Let’s collaborate, send us your article suggestions, questions, and/or feedback to: [email protected].