Epos Now Transaction Fee History 2026: What US Merchants Pay

Epos Now charges US merchants a fixed processing rate of 2.6% plus $0.10 per transaction. The company claims this fixed structure avoids hidden fees while maintaining PCI compliance.

This flat rate creates a predictable expense, but it also builds a substantial markup above wholesale interchange costs. Network rate cards show Visa Credit CPS Retail carries a base interchange fee of 1.51% plus $0.10. Mastercard Consumer Credit Merit III Core costs 1.65% plus $0.10. For regulated debit cards, Visa Debit CPS Regulated and Mastercard Debit Regulated both cost 0.05% plus $0.22.

Comparing this flat transaction pricing against standard network assessments reveals the processor's margin. Epos Now notes that third-party processing rates vary widely by brand. Visa ranges from 1.15% plus $0.05 to 2.40% plus $0.10. Mastercard ranges from 1.15% plus $0.05 to 2.40% plus $0.10. Discover sits between 1.40% plus $0.05 and 2.40% plus $0.10. American Express spans 1.43% plus $0.10 to 3.30% plus $0.10.

US merchants using Epos Now POS software can bypass the in-house payments service and integrate a third-party payment processor. This external option shifts your fee structure away from the standard 2.6% plus $0.10 flat rate toward variable transaction pricing.

Choosing a third-party processor lets you use an interchange-plus model. Fees fluctuate based on card brand, entry method, and debit regulation status rather than a single fixed tier. High-volume merchants processing many US regulated debit cards—capped at wholesale network rates of 0.05% plus $0.22—often secure lower effective costs than a rigid 2.6% plus $0.10 flat pricing model allows.

Epos Now heavily discounts its hardware POS systems to lock in long-term software and processing service agreements. Standard catalogue pricing lists the Complete, Fashion, Hotel, Pharmacy, and Tanning Salon POS Systems at $1,099 each. Promotional offers drop that upfront cost to $349.

To secure these $349 promotional bundle rates, you must sign a service contract lasting one to five years. Beyond software commitments—priced at a standard $72 per month or a promotional $39 per month—you might also have to enroll in a premium support plan at $79 per month.

Other POS terminal configurations follow the same pattern. The Duo Countertop and Air bundle drops from a regular $1,099 to $399. The Android POS system bundle falls from $549 to promotional rates of $299 or $249 during extended Cyber Monday sales. Standalone software-only plans cost $39 per month or $449 upfront on a 12-month term.

Account maintenance, volume thresholds, and dispute management create ongoing incidental costs. Epos Now notes that standard payment processor account maintenance fees range from $10 to $50 per month.

If your monthly credit and debit transaction volume falls short of required thresholds, monthly minimum fees hit between $25 and $50. When chargebacks occur, dispute handling averages $20 per instance, though extreme cases reach $100.

Operational risks bring steep penalties. Failing to maintain PCI security compliance triggers monthly fines from $5,000 to $100,000. Network assessment fees also apply to your underlying volume. Visa charges 0.14% plus $0.0195 per transaction, Mastercard takes 0.1275%, Discover assesses 0.13% plus $0.0195, and American Express levies 0.15% of total volume. Learning how to decode your statement helps you catch these incidental costs before they drain your margin.