Taking card payments should not feel like a separate process outside your ERP. When payments happen in another tool, teams often deal with extra handoffs, more reconciliation work, and weaker visibility. Epicor Credit Card Processing is built to connect payment activity more closely to ERP workflows.
Epicor Credit Card Processing is an optional module for Epicor ERP systems. It is designed to automate and integrate customer card payments, so businesses do not need to manage a separate payment software package for the same work.
In practice, that means card payments stay closer to the ERP process. Instead of handling payments off to the side, businesses can connect them more directly to receivables, customer accounts, and related workflows.
Epicor Payment Exchange handles the core payment steps. These include authorization, settlement, and reporting. It also works with the Epicor Payment Gateway to keep the payment flow connected inside the Epicor environment.
This setup also simplifies support. When software and merchant processing sit under the same payment structure, teams have fewer support handoffs to manage when something goes wrong.
The process follows a simple flow. A payment is submitted, the card is authorized, the transaction moves to settlement, and the result becomes available for reporting through the same payment structure.
Authorization is the approval step. This is where the payment processor checks whether the transaction can go through. It is one of the core functions handled within Epicor Payment Exchange.
This matters because payment approval affects more than the payment itself. It can affect order release, customer communication, and the next step in the workflow. When payment handling is tied into ERP, those steps are easier to keep connected.
Settlement is the step where approved transactions move toward actual funding and completion. It is also part of the Epicor Payment Exchange flow.
This matters because many payment issues do not show up at the moment of approval. They show up later when teams try to match deposits, customer payments, and ERP records. Keeping settlement tied to the same structure helps reduce that gap.
Reporting is part of the same payment flow. That gives teams a clearer way to review payment activity without relying on a separate reporting layer for the same transactions.
For finance teams, this supports follow-up and reconciliation. For operations teams, it helps reduce delays caused by payment issues. The value is not only card acceptance. It is better control over the business process around the payment.
When payment processing happens in a separate system, people often end up copying information between tools or matching records after the fact. Epicor Credit Card Processing is built to avoid that by integrating customer payments into the ERP environment.
That matters because disconnected payment tools create friction elsewhere. Order teams may not see payment status clearly. Finance may have more reconciliation work. Support may need to check multiple systems to find the problem. Integrated payments help reduce those moving parts.
Epicor Payment Exchange processes credit and debit transactions as well as prepayments. That makes it useful for more than one narrow payment moment. It supports a broader transaction flow inside the business.
That broader connection helps when a business needs to track deposits, customer payments, or payment status without jumping between systems. For companies that use Epicor heavily day to day, that visibility can be more useful than simply having another way to run a card.
A connected payment structure also creates a simpler support path. When fewer vendors sit in the middle of the process, payment issues are usually easier to trace and resolve.
PCI DSS (Payment Card Industry Data Security Standard) applies to any entity that stores, processes, or transmits cardholder data. It also applies to systems that could affect the security of that data. That makes payment handling an ERP and security issue, not just a finance issue.
Businesses should not store cardholder data unless there is a real business need. PCI guidance is clear that merchants that do not store cardholder data remove a major target for data thieves. Sensitive authentication data must never be stored after authorization.
That is why payment setup matters. A stronger payment process is not only about convenience. It is also about reducing unnecessary exposure and keeping payment handling under better control.
Epicor supports terminals using EMV chip-and-PIN and encrypted magnetic stripes. It also supports running credit cards without storing sensitive data on the system.
This is especially relevant for businesses with customer-facing payment activity. It shows that the payment setup covers both back-end processing and secure terminal-based transactions tied to ERP.
Start by reviewing your current payment workflow. If your team still relies on separate payment software, duplicate entry, or manual reconciliation, that is usually where the pain starts. Integrated payments make the most sense when the current process is fragmented.
You should also review how payment data is handled today. PCI DSS applies when cardholder data is stored, processed, or transmitted, so payment workflow decisions are also security decisions.
Another good checkpoint is support and ownership. If no one clearly owns payment setup, gateway behavior, terminal compatibility, or reconciliation flow, the project can stall quickly. A connected payment model still needs a clear process and a workable implementation plan.
Yes. Epicor Credit Card Processing is an optional module for Epicor ERP systems, and Epicor Payment Exchange handles authorization, settlement, and reporting.
Epicor Payment Exchange is the payment processor used in the Epicor payment flow. It handles the main payment steps and works with the Epicor Payment Gateway.
No. PCI DSS (Payment Card Industry Data Security Standard) still applies to any environment that stores, processes, or transmits cardholder data. An integrated payment setup can support better payment handling, but it does not make a business automatically compliant.
Yes. Epicor can pass Level II and Level III data. That includes fields such as tax indicators and customer code, and it can apply to qualifying corporate, purchasing, and fleet cards.
Epicor payment processing gets harder when the workflow is unclear, the setup touches multiple teams, or no one is fully sure how the payment process should fit the business. That is where a practical Epicor partner matters.
TeccWeb helps manufacturers and distributors sort through Epicor projects with clearer planning, technical problem-solving, and practical support. For a payment project, that means helping teams define the process, understand the setup, and move the work forward without extra confusion.
