an image of the epicor credit card transaction enhancement being used

Save on Credit Card Transactions: An Enhancement to Epicor

What business wouldn’t want to save on credit card transactions? Well, we’ve developed a process that will allow

What business wouldn’t want to save on credit card transactions? Well, we’ve developed a process that will allow you to do just that. We have developed a solution as an enhancement to the base credit card processing module that Epicor provides. With the Epicor credit card transaction enhancement, we replace a DLL with an updated one that looks for events involving capturing of funds or sales (where it is an authorization and capture all in one).

an image of an Epicor credit card transaction enhancement in use

The Epicor Credit Card Transaction Enhancement

When we receive that transaction event, we query the Epicor database for additional information and add that to the request.  This resides at level 3 details, which includes everything for level 2. The nice thing about credit card processors is they will only use the amount of information they need. If it is a consumer credit card, the additional data will be discarded. However, for B2B customers, the enhancement will automatically select the right level and provide those cost savings.

The standard Epicor credit card handling system only provides level 1 information. This is essentially the total and information to identify the customer in terms of fraud protection. Now some of these fees and savings are individually negotiated. The default fees for PayPal Website Payments (which is technically what is used) is 2.9% + $.30/transaction.

Now level 2 will be the level that helps our customers the most. This requires additional details on the purchase. Details can include the amount of the tax, a customer code, postal codes, and tax identification number. For customers that are using corporate cards (B2B customers), you get a lower fee if you provide this information as well. I had seen the most often quoted numbers as .5% savings for level 2 customers. 

Level 3 is the next iteration of that offering something around 1% total savings. This is for business to business (tend to be larger corporations) and business to government purchases. For this, we are sending a lot of additional data in terms of the line-level details about the purchase.

The Epicor Credit Card Transaction Enhancement Level 1, 2, and 3 Comparison


Looking at only level 2 savings (.5%), $400,000 in credit card sales would result in an annual savings of $2,000.

Bezlio is a professional services firm. They provide custom development services and support for Infor ERP Visual (Visual Enterprise/Visual Manufacturing) and Epicor Vantage ERP. 

Here at Encompass Solutions, Inc., we are proud to continue working with Bezlio on many development and implementation projects.

About Encompass Solutions

Encompass Solutions is a business and software consulting firm that specializes in ERP systems, EDI, and Managed Services support for Manufacturers and Distributors. Serving small and medium-sized businesses since 2001, Encompass modernizes operations and automates processes for hundreds of customers across the globe. Whether undertaking full-scale implementation, integration, and renovation of existing systems, Encompass provides a specialized approach to every client’s needs. By identifying customer requirements and addressing them with the right solutions, we ensure our clients are equipped to match the pace of Industry.