Merchant360 Business Hub
Your Account.
Your Control.
Every Tool You Need.
Merchant360 is our complete business hub that comes free with every new account: invoicing, recurring billing, card and bank payments, gift cards, online booking, QuickBooks sync and more.
Included With Your Account — the hub, the mobile app and the web tools, with no separate software subscription
Card and Bank Payments — Visa, Mastercard, Discover, AMEX and ACH, all in one platform
Works Everywhere You Sell — countertop terminal, phone, browser, invoices, payment links, your website and inside QuickBooks
Set Up by Our Team — we turn on the tools your business needs and stay your point of contact
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Six Ways to Get Paid. One Builder.
Every invoice, plan, estimate and link shares the same customers, catalog and reporting. Pick a tool to see what it does for you.
Invoices That Chase Themselves
Send a branded invoice with a secure pay link in under a minute, then let Merchant360 handle the follow-up.
What you get
- Automatic reminders a week before, on the due date and 7, 30 and 60 days after
- Text-to-pay links and reminders by SMS
- Monthly statements with one link to pay every open invoice
- Automatic late fees you configure once
- Deposits, partial payments and customer-chosen installments
- Coupons, credit memos and CSV export
Good for
At the Counter, On Your Phone, In Any Browser
The same account, catalog and reporting behind every way you take a card in person. Tap any item to see it.
1 of 6 · PAX A920 Smart Terminal
Chip, tap, Apple Pay and Google Pay, a built-in printer and automatic nightly batch close, with settings managed from the cloud.
Also on Every Terminal and Phone
The Back Office Most Businesses Pay Extra For
Booking, rentals, inventory, gift cards, loyalty, reviews, staffing and 1099s, sharing one login with your payments. Tap any tool to see what it does.
Follow Every Dollar From Batch to Bank
Accounting that reconciles itself, deposits you can trace, disputes you can win and analytics built from your own card data. Pick one to see it.
Accounting
Get Paid Inside QuickBooks
The Payment Extension puts a Pay button on your QuickBooks Online invoice, charged at your Merchant360 rates rather than the rates of the payments bundled with your accounting software. Deposits, invoices, payments and chargebacks sync to QuickBooks Online or Xero every four hours, with no double entry.
- Works in any web software, even one locked to another processor
- Push a sale to your terminal for card-present rates
- A free bank feed into a built-in profit and loss
Pick Your Business. See What Fits.
The same hub, tuned to the way you get paid.
Fast at the counter, smart behind it.
Smart terminal — PAX A920 with chip, tap, Apple Pay and Google Pay, a built-in printer and automatic nightly batch close
Tipping and clerk IDs — on-screen or on-receipt tips, per-server tip reports, no staff logins required
Gift cards and loyalty — sell online and in store, reward regulars by phone number, redeem on the terminal
Item grid and inventory — up to 96 items on the terminal, live stock counts, items sold by weight
Dual pricing or surcharge — both prices from the first item, debit detected automatically, receipts itemized
Paylytics — regulars, new vs. returning customers and anonymous peer benchmarks from your own card data
One Team, One Platform
Electronic Payments, Inc. (EPI) is our parent company and the processing platform behind every Tailored Transactions account. Merchant360 is the business hub built into that platform.
Set Up by Our Team
We turn on the tools your business needs, configure them and show you how to use them. You stay with one point of contact.
Card Data Never on Your Systems
The vault stores tokens only and terminals read cards on the device, so a card number never passes through your computer.
Two-Factor and Texted Codes
Two-factor sign-in, trusted devices and a texted code on large refunds, team changes and every other sensitive action.
Live Chat, Tickets and Your EPI Agent
Inside the hub: live chat, support tickets, an AI assistant that knows your account and a direct thread with your EPI agent.
Tailored Transactions
Your merchant services provider. We set up your account, your pricing and your equipment, turn on the Merchant360 tools you need and stay your point of contact.
The EPI Platform
Electronic Payments, Inc. is our parent company and the processor behind every account: authorizations, deposits, compliance, the chargeback team and Merchant360 itself.
Merchant360
Your business hub. One login for payments, billing, booking, bookkeeping and reporting, on the web, on your phone and on your terminal.
Included With Your Account. Set Up by Our Team.
Because every Tailored Transactions account runs on the EPI platform, Merchant360 comes with it automatically. Our team turns on the tools your business needs and shows you how to use them. Looking for growth funding too? See EPI Capital.
Merchant360 FAQs
The business hub is included with your Tailored Transactions merchant account. There is no separate software subscription for the hub, the mobile app or the web tools, and your card processing runs at your Cost-Plus rates. A few optional extras, such as bank payments, printed gift cards or a countertop terminal, have their own pricing, which we go over with you before anything is turned on.
No. Merchant360 works in any browser and on your phone, with Tap to Pay on iPhone or a Bluetooth card reader. If you want a countertop terminal, the PAX A920 runs the Merchant360 Payment App, and we can set one up for you.
Yes. Merchant360 syncs with QuickBooks Online and Xero every four hours, posting deposits, invoices, payments and chargebacks without double entry. The Payment Extension for Chrome and Edge also puts a Pay button right on your QuickBooks invoices, charged at your Merchant360 rates.
Yes. Once bank payments are enabled on your account, which takes a short review of one to two business days, customers see Pay by bank next to card on invoices, payment links, checkout and the pay widget. Merchant360 captures the authorization, checks the balance before the debit on connected accounts, re-presents returned payments automatically and tracks every deposit.
Yes, the compliant way. We prepare your enrollment, EPI Compliance reviews it and files the required card-brand notice, and Merchant360 applies the program identically on every channel, with debit and prepaid cards detected automatically and every receipt itemized. Surcharging is not permitted in every state, so we will tell you which program fits yours.
Yes. Six roles from Owner to Register, access by module, the option to show a user only their own activity, and terminals locked to specific users. Inviting or removing a teammate, creating API keys and refunding over a limit you set all require a texted security code.
Us. Our team stays your point of contact. Inside Merchant360 you also have live chat, support tickets, an AI assistant that knows your account and a direct message thread with your assigned EPI agent, typically answered within 30 minutes during business hours.
Enterprise Security
PCI DSS Level 1
Data Protection
End-to-end encryption
BBB Accredited
A+ rating
25+ Years in Business
Trusted since 2000
LOWER FEES. BETTER TOOLS. ONE TEAM.
Better Tools. Lower Fees. See What You Could Save
Get your free, no-obligation savings analysis with a line-item breakdown of where you’re overpaying, plus a walkthrough of everything Merchant360 adds to your account.
No obligation. Month-to-month. No early termination fee. Response within 1 business day.