You have 0 new notifications
Announcements
Camden Catholic High School (0717503)
Looking for answers? Below you will find answers to our most frequently asked questions.
eProcessing Network obtains approvals for transactions on a real-time basis, and saves approved transactions into a batch.
eProcessing Network closes batches on a daily basis, and sends merchants a Close Batch Report email detailing the number of transactions and dollar amount of the batch. Closing a batch is what signals the issuing and acquiring banks to fund transactions.
If the transaction in question is in a batch that has not yet closed, you can void the transaction in the Current Batch section of the ePN/MSC by selecting the transaction from the drop down and clicking Void. Follow the subsequent prompts.
To perform a return/credit transaction on a sale transaction that has already been closed, select the date the original sale transaction was processed in the Activity Reports section of the ePN/MSC. Scroll down to the bottom of the report until you see your transaction in the Transaction table, then click on Return link. This will put you in the Online Terminal with the information from the original transaction, and Transaction Type will be set to Return. You can change/enter any additional information, and then click Submit.
NOTE: You may find your MSP (Merchant Service Provider), by logging into MSC.
A DECLINED response means that the card holder's issuing bank will not pay you, the merchant, for that transaction.
eProcessing Network processes transactions for merchants using each merchant's own merchant account. These transactions are processed through the processor, using each merchant's own acquiring bank. eProcessingNetwork simply returns you the response given to us from the processor who, in turn, is simply getting the response from the issuing bank.
Issuing banks do not return an indication of why they decline a transaction.
The most common reasons an issuing bank declines a transaction include, but are not limited to:
Because eProcessing Network is not a party to your merchant agreement with your acquiring bank, we are unable to assist in determining why transactions are declined by an issuing bank.
If you would like to know why a specific transaction has been declined, you must contact your acquiring bank. They are the only entity that can assist you in such matters.
A CALL CENTER response means that the cardholders issuing bank believes that a condition exists with the cardholder that requires special handling.
The merchant must contact the Voice Authorization Center for instructions about how to proceed. You can usually find this phone number on your monthly merchant account statement.
Yes, you can upload a file with transactions to process by following these steps:
eProcessing Network obtains approvals for transactions on a real-time basis, and saves approved transactions into a batch.
eProcessing Network closes batches on a daily basis, and sends merchants a Close Batch Report email detailing the number of transactions and dollar amount of the batch. Closing a batch is what signals the issuing and acquiring banks to fund the transactions within the batch.
The Close Batch Report emails that you receive from eProcessing Network are your proof that your processor has accepted your batch for settlement.
The amount of time it takes for a transaction to be funded after your processor has accepted your batch for settlement is a function of the agreement you have with your acquiring bank, and is often on the order of 48 to 72 hours.
To find the exact amount of time it takes for your transactions to be funded, look at your original merchant account application. If you find that a transaction has not been funded within the specified time even though you received a Close Batch Report from eProcessing Network, you must contact your Merchant Service Provider.
eProcessing Network processes merchants transactions using each merchant's own merchant account. eProcessing Network does this on a real-time basis by contacting each acquiring bank's processor who in turn contacts the bank that issued the credit card to the cardholder.
It is the issuing bank that provides the response to eProcessing Network as to whether the transaction is approved or declined. eProcessing Network NEVER makes a decision on accepting a credit card other than to confirm that the card number and expiration date given are valid.
eProcessing Network saves approved transactions into a batch, and closes batches on a daily basis, sending merchants a Close Batch Report email detailing the number of transactions and dollar amount of the batch. Closing a batch is what signals the issuing and acquiring banks to fund the transactions within the batch.
The Close Batch Report emails that you receive from eProcessing Network are your proof that your processor has accepted your batch for settlement.
CVV2 (Card Verification Value, Second Generation) is a three-digit value that is uniquely derived for each credit card account. It is printed in reverse italic characters on the signature panel of all Visa and MasterCard cards following the last 4 digits of the account number.
In a card-not-present environment such as the Internet, CVV2 lets a merchant verify that the cardholder does in fact have the card in his or her possession.
The Address Verification System (AVS) is a system whereby eProcessing Network, when connecting to your customers issuing bank through your MSP's processor, is able to verify whether the street address and Zip code entered by your customer is the same as the street address and Zip code that the customer's issuing bank has on file.
AVS is a standardized system among the credit card companies with a fixed set of responses documented, in detail, in the Processing Control section of the eProcessing Network Merchant Support Center (ePN/MSC), where merchants have the ability to specify which AVS responses they wish to accept and which AVS responses they wish to decline.
AVS responses often relate to the rate you will pay your Acquiring Bank for processing your transactions, as well as your potential liability in the case of charge backs. For details on rates and charge backs, please refer to your original Merchant Account Agreement or contact your Merchant Service Provider.
Keep in mind that the AVS system currently offered by the credit card companies only verifies street address and Zip codes of cards issued by U.S.-based banks, and that the standard response returned by the credit card companies for non-U.S. issued cards is Non AVS Participant Outside of U.S.
By default, eProcessing Network processes transactions as Sale transactions. Processors provide AVS and CVV2 responses for Sale transactions, but these responses do not affect whether the transaction is approved or declined. They are informational in nature only.
Processing transactions as Sale transactions is acceptable for some merchants within some environments, but for many online merchants processing on an automated, real-time basis, it is often desirable to accept a transaction only if the AVS and CVV2 provided by the customer both match the information on file with the customers issuing bank.
Because of the charge back problems that can be caused by accepting transactions without obtaining AVS and CVV2 matches, eProcessing Network offers the ability for merchants to configure their eProcessing Network account to accept transactions from their Web site only if the AVS and CVV2 are both a match.
eProcessing Network does this by processing the transaction initially as an Authorization-Only transaction, which provides Approval, AVS and CVV2 responses to the transaction without actually putting the transaction into a batch to be settled.
If the Authorization-Only transaction is approved, and the AVS and CVV2 are both a match, then eProcessing Network puts the transaction into the merchants batch as an Offline Sale, and the transaction is settled at the end of the day.
If, however, the AVS and/or CVV2 do not match that on file at the cardholders issuing bank, then the customer is presented with a page stating that the transaction has been declined because the AVS and/or CVV2 did not match, and the customer is presented with an opportunity to correct the information and re-attempt the transaction.
eProcessing Network calls this system AuthConvert, and merchants can configure their Web site to process in this way in the Processing Control section of the eProcessing Network Merchant Support Center. There, merchants can also limit the number of attempts a customer can make within a fixed time period.
The AuthConvert method of processing transactions only applies to merchants utilizing eProcessing Networks ePNCart, Web Order Template, Database Engine Template or Transparent Database Engine Template. AuthConvert does not apply to transactions processed through eProcessing Networks Online Terminal, or through eProcessing Network using third-party shopping carts.
Open the ePNMobile Android app, and then click the Menu key on the phone. Two options, About and Configure, will appear. Choose Configure. When the Configuration page appears, click the Menu key again and choose Reactivate Terminal.
On the next screen, click Activate My Account and enter your Terminal ID from the ePNMobile Config section of our merchant site.
Open the ePNMobile iPhone app, and then click the Settings button at the top. Click "Reactivate My Account".
On the next screen, click Activate My Account and enter your Terminal ID from the ePNMobile Config section of our merchant site.
The ePNRecur feature allows you to set up recurring transactions for customers via credit card or checking account. This feature only works with the online terminal and is an extra service that must be added by your salesperson.
Click here for an overview.
The deciding factor as to whether a merchant should use a shopping cart or an order form usually boils down to the number of products/services a merchant is offering.
If a merchant is offering just a few related products/services, then these can often be offered from a single page order form where the customer simply specifies the desired quantity of each product/service, and clicks a button to continue. Order forms can be created using the eProcessing Network Order Form Generator (ePN/OFG).
If a merchant is offering a large number of products/services, or unrelated products/services, then a shopping cart is often desirable, allowing customers to specify desired quantities of products/services while continuing their shopping. eProcessing Networks' ePNCart is easy to configure and use.
There is no limit to the number of items a merchant can offer through eProcessing Networks' order form or shopping cart, and there is no reason a merchant can't use both methods from the merchants Web page.
eProcessing Network offers the eProcessing Network Order Form Generator (ePNOFG), which is a simple, intuitive, easy-to-use program that creates order pages for you using the answers you provide to the questions it asks.
The ePNOFG is designed to be used by merchants with little or no computer experience, but offers advanced options that are helpful to even the most experienced computer users.
NOTE: You MUST have an Internet Basic account to access the Order Form Generator. Talk to your sales office about adding this service.
Click "Generate >>" to proceed to the finished order page.
To save this page, choose File and Save as from your browser's menu bar. You may receive a popup message warning that the webpage might not save properly. If so, disregard this warning by clicking "Yes".
Be sure to save the page as a webpage/HTML file with the extension .htm or .html (e.g.: orderform.htm, or order_form.html). Do not use spaces in the file name, as this may cause problems on the server.
Save the file somewhere on your computer where you can find it easily.
This file will then need to be uploaded to your web server. If the image directory and file name information you provided was correct, the images will be displayed on the order form once you upload it to the server.
Allows you to create Web pages designed to be used by merchants with little or no computer experience, but offering advanced options that are helpful to even the most experienced computer users. The ePNCart Page Generator is a simple, intuitive, easy-to-use program that creates ePNCart-enabled Web pages for you using the answers you provide to the questions it asks.
Most popular third-party shopping carts allow merchants to simply select eProcessing Network as their payment processor and then prompt the merchant for their eProcessing Network Account Number. A few carts, however, have more specific configuration requirements.
eProcessing Network is always happy to work with developers to assist them in integrating our Secure Transaction Processing Services into new shopping carts.
If you are utilizing a third-party shopping cart that has not yet integrated eProcessing Network, you are welcome to provide them with the following information:
When third-party shopping cart developers contact us about integrating eProcessing Network into their cart, we do not require them to have, or have access to, an eProcessing Network account. We are always happy to provide third-party shopping cart developers with a test account.
These developers can also request a listing in the Compatible Solutions section of the eProcessing Network Reseller Support Center.
If your third party cart offers Authorize.NetTM eProcessing Network also offers emulation of Authorize.Net TM. This makes it easy for developers who have already integrated Authorize.NetTM to utilize eProcessing Network Transaction Processing Services.
Typically all a developer has to do is change the URL they access from:
https://secure.authorize.net/gateway/transact.dll
to
https://www.eProcessingNetwork.Com/cgi-bin/an/order.pl.
Pass in the merchants' eProcessing Network Account Number as the x_login. Additional details about the Authorize.Net TM emulator offered by eProcessing Network are available here.
We do support the FDMS - Nashville platform. However, we are not compatible with Yahoo! Store because they are a payment gateway themselves. Yahoo!® Store will accept a FDMS - Nashville platform merchant account from any bank, but you must use their payment gateway.
You can test a transaction through your Web site by using your eProcessing Network Account Number as the credit card number. Whenever the credit card number is equal to the eProcessing Network Account Number, the transaction is processed as a test transaction regardless of the expiration date selected.
The standard email is generated, with the additional message, "!!! Test Transaction !!!" at the top
This allows merchants and developers to process test transactions at any time without any reconfiguration. The AVS response to test transactions will always be "Address and Zip Code Do Not Match (N)", the CVV2 response to test transactions will always be "CVV2 Not a Match", and test transactions do not appear in a merchant's Current Batch or Activity Reports.
Emails are sent for each and every transaction processed from your Web site regardless of whether you're using eProcessing Network's ePNCart, Order Form or any of eProcessing Network's Integration Templates. This is automatic.
Emails for Online Terminal transactions are sent if you have the "Email Transaction Summary to..." check box selected when you process each transaction.
If you did not receive an email for a transaction, confirm that your email address is set correctly in the Account Config section of the ePN/MSC. Also, check with your Internet Service Provider to see if your email account is configured correctly or if they are having email server problems.
For merchants using custom order forms, custom shopping carts and most other specialized situations, eProcessing Network offers various methods of integrating our Secure Transaction Processing Services, all documented, with examples, on our Integration and Developers Utilities page.
A link to this page is available from the left menu of every page on eProcessing Network's Web site.
eProcessing Network offers a convenient way of diagnosing problems you may encounter with your integration. Temporarily change the URL you are POSTing your transaction to the following URL and include a variable called email (case insensitive) and this will send a reflection of your variables and their value to that email address.
https://www.eprocessingnetwork.com/cgi-bin/Reflect/transact.pl
This URL will generate a Web page that displays exactly what was sent to it, enabling you to confirm that you are correctly sending required information.
If you are having problems posting to our Reflection script please try posting to:
http://support.eprocessingnetwork.com/test-cgi-bin/Post.pl
If you can successfully post to this URL this indicates that you have an issue with posting securely from your web server.
A merchant account is an agreement between a merchant, an acquiring bank, Visa, MasterCard, and possibly American Express, Discover, Diners Club, JCB, etc.
eProcessing Network processes transactions for merchants using each merchants own merchant account. In the same manner that a clerk in a retail store swipes a customer's card through a box that processes that merchant's transactions using that merchant's own merchant account, eProcessing Network processes merchant's Internet transactions using each Internet merchant's own merchant account.
eProcessing Network is essentially the Internet equivalent of the swipe hardware found in retail stores, with quite a bit of enhanced functionality specific to Internet processing.
eProcessing Network does not offer merchant accounts, does not profit from merchant accounts, and is not a party to merchant account agreements. Only merchants may be a party to these agreements, therefore banks will not discuss with eProcessing Network the state of a merchant's merchant account, or the responses that they return for each transaction request.
This means that merchants must contact their acquiring bank with any questions specific to their merchant account.
Questions that only your acquiring bank can answer include, but are not limited to:
When eProcessing Network processes transactions for merchants using each merchant's own merchant account, we provide each merchant with the response returned by their acquiring bank's processor. These responses are documented in the Resources section of the ePN/MSC.
If you have questions as to why you are receiving a specific response to a transaction, you must contact your acquiring bank. These questions include, but may not be limited to:
An Acquiring Bank is a bank that is responsible for acquiring the funds from credit card issuing banks for transactions that were processed by your customers. The Acquiring Bank then deposits these funds directly into the appropriate merchant's bank accounts.
You must have a merchant account with an Acquiring Bank to process transactions through eProcessing Network.
Some banks use Merchant Service Providers to handle the support questions related to merchant accounts.
A Merchant Service Provider (MSP) is the company responsible for servicing your merchant account for your acquiring bank, and is generally associated with a credit card processor.
MSPs provide merchants with monthly statements and a Customer Service department to answer questions and resolve problems you may have specific to your merchant account.
You can usually find your MSPs Customer Service Departments Toll-Free phone number on the Welcome kit they should provide you with and on the monthly statement they send you.
Your Merchant Service Provider (MSP) controls the credit card types your merchant account is able to accept. Generally, by default, merchant accounts are enabled to accept Visa and MasterCard.
If you would like to add the ability to be able to accept additional card types (American Express, Discover, etc.), you must open an account with each credit card company, and then have your MSP enable your merchant account for that additional card type.
The easiest way for merchants to open an account with additional credit card companies is often to contact your MSP and request that they assist you in the process.
After you confirm with your MSP which credit card types your merchant account is enabled for, confirm that each of those card types is checked in the Account Config section of the ePN/MSC. This will allow eProcessing Network to process those card types for you on your behalf.
Because of the fact that eProcessing Network is not a party to your merchant account, your sales office or your MSP must help you with this process.
You can usually find your MSP's Customer Service Departments Toll-Free phone number on the Welcome kit they should provide you with and on the monthly statement they send you.
eProcessing Network displays your company name on the Web page used to prompt your customer for billing information. The information we display is the information we were given by your salesperson when your salesperson added you to our system.
The contact information that is displayed on your customer's monthly credit card statement is controlled by your Merchant Service Provider, and is usually the information that you provided them with when you completed your original merchant account application.
To change the contact information that is displayed on your customer's monthly credit card statement, you must contact your MSP.
The eProcessing Network Merchant Support Center (ePN/MSC) is where merchants utilizing eProcessing Networks' Secure Online Transaction Processing Services can produce activity reports, maintain their online account, configure optional services such as ePNCart, and keep up with the latest in e-commerce technology.
You can log in to the ePN/MSC with your eProcessing Network Username and Password here.
Before following this procedure, we recommend you confirm that your browser's Save this password in your password list option is not checked when you login to the ePN/MSC.
If your browser's Save this password in your password list option is checked and you change your password in the ePN/MSC, then you will lock yourself out of the ePN/MSC because your browser will continue to present the previously-saved password.
eProcessing Network recommends that you never use the Save this password in your password list with any browser at any Web site.
If you have checked your browser's Save this password in your password list option, it should have the option that allows you to clear its memory of the password.
To change the password used to access our system, log in to the ePN/MSC with your eProcessing Network Username/Account Number and current password.
To change the email address used to notify you of processed transactions, log in to the ePN/MSC with your eProcessing Network Username/Account Number and current password.
Select Account Config in the drop down and click Go!
The email address we have will be displayed in the Email Address input box. By default, this is the email address that your sales office provided us with when your sales office entered you on our system.
To change the email address, simply overwrite the displayed email address with the desired new email address and click the Change Email button.
You can enter up to two email addresses by separating them with a comma, i.e.:
email1@isp1.com,email2@isp2.com
Due to numerous attempts by unauthorized persons to gain access to merchant's accounts, the eProcessing Network Merchant Support Center (ePN/MSC) is configured to allow up to three unsuccessful login attempts within fifteen minutes. If three unsuccessful login attempts are reached within fifteen minutes, then access to the ePN/MSC is locked out for thirty minutes.
This does not affect processing from a merchant's Web site, shopping cart, etc.
If you find that you cannot access the ePN/MSC, then we suggest that you confirm the following:
It's also entirely possible that someone else is trying to log in as you. We recommend you wait at least 30 minutes and try again. We apologize for any inconvenience this may cause you, but we have had to implement this policy for the protection of merchants utilizing eProcessing Network.
If you have forgotten your password, we can have the system generate a new password for you, but this will not unlock a locked account.
Do not email the password to us (or to anyone else for that matter), and be sure to change your password often.
If you would like your password reset, it will be necessary for you to download, print, complete, sign and fax us (713 880-0330) the eProcessing Network Password Reset Request Form, available here, allowing us to verify your authorization to reset the password to that which was originally issued.
You must also include a copy of the original Merchant Account Application or eProcessing Network Merchant Service Agreement.
We are unable to process incomplete faxes or faxes that do not include a copy of the original Merchant Account Application or eProcessing Network Merchant Service Agreement with the eProcessing Network Reset Password form. We regret the inconvenience, however, it is necessary to protect the integrity of merchant's information.
Normal fax processing takes 1-3 days.
Use of the eProcessing Network Password Reset Request Form requires you to have Adobe® Acrobat® Reader installed. If you do not have Adobe® Acrobat® Reader installed on your computer, you can install it, free of charge, by clicking on the Get Acrobat Reader logo to the right and following Adobe's® instructions.
Your Merchant Service Provider (MSP) controls the credit card types your merchant account is able to accept. Generally, by default, merchant accounts are enabled to accept Visa and MasterCard.
If you would like to add the ability to be able to accept additional card types (American Express, Discover, etc.), you must open an account with each credit card company, and then have your MSP enable your merchant account for that additional card type.
The easiest way for merchants to open an account with additional credit card companies is often to contact your MSP and request that they assist you in the process.
After you confirm with your MSP which credit card types your merchant account is enabled for, confirm that each of those card types is checked in the Account Config section of the ePN/MSC. This will allow eProcessing Network to process those card types for you on your behalf:
Because of the fact that eProcessing Network is not a party to your merchant account, your sales office or your MSP must help you with this process.
You can usually find your MSP's Customer Service Departments Toll-Free phone number on the Welcome kit they should provide you with and on the monthly statement they send you.
If you change your bank account, you must download, print, complete, sign and fax us (713 880-0330) the eProcessing Network Checking Account Info for ACH Change Request Form, available here
Normal fax processing takes 1-3 days.
We also recommend that you contact your MSP and notify them of the new bank account information as well.
Use of the eProcessing Network Password Reset Request Form requires you to have Adobe® Acrobat® Reader installed. If you do not have Adobe® Acrobat® Reader installed on your computer, you can install it, free of charge, by clicking on the Get Acrobat Reader logo to the right and following Adobe's® instructions.
Mon - Fri from 7 a.m. to 7 p.m., CST
Address: Houston, Texas Tech Support: 1-800-971-0997
Current Batch Transactions
Current Batch Total
Today's Transactions
Today's Total
Add features to expand your processing capabilities
eProcessing Network can now provide automated updates to ensure that recurring payment information is checked and updated prior to the scheduled charge.
eProcessing Network understands the needs of the Small to Mid-Sized Merchant and offers ePNTexting, a low cost Web interface solution that allows merchants to send text messages, reminders and alerts to their customer's mobile devices.
Sign up NOW for ePNTexting, our low-cost Web interface texting solution. ePNTexting allows you to send/receive text alerts, send reminders and special offers to your customers via SMS Text Message. ePNTexting gives you the flexibility to schedule future text messages to your customers and send to customized groups.
The setup fee for ePNTexting is $20.00 with a monthly charge of $10.00. There is a per text fee of $0.07 for the first 500 texts and $0.06 for each additional text.
eProcessing Network ("ePN") provides secure payment services within its PCI Compliant gateway. This Master Terms of Service for Texting along with the Additional Terms (defined below), as such terms and policies may be updated from time to time (collectively, the "Terms"), governs your use of the Text App or Service.
By downloading an App or use of the Service, visiting the Site or otherwise accessing or using the Service, you agree that you have read, understood, and agree to be bound by these Terms. If you do not agree, you may not use the Service.
You are solely responsible for the use of the Service. By using the service you acknowledge that your use of the Service is solely at your own risk. Use of the App or Service or any other downloadable software components provided by ePN is subject to these Master Terms of Service and any Additional Terms provided by.
In addition to these Master Terms of Service, the following additional terms apply to your use of the Service. By using the Service, you agree to be bound by these additional terms (including any age restrictions applicable to use of a particular App or feature of the Service), as applicable, which are incorporated herein by reference (collectively the "Additional Terms"):
Privacy Policy, which describes ePN's policies with respect to the collection, use, and disclosure of personal information from you; and
EULA, which governs your use of software applications you may obtain from ePN.
In the event of a conflict between the terms and conditions in this document and the terms in any of the Additional Terms, these Master Terms of Service will control.
Subject to the Terms, ePN grants you a limited, non-exclusive, non-transferable, revocable license to use any software that is provided by ePN solely in connection with your use of the Service.
Account Information. In order to access some features of the Service, you may have to create an account. You hereby represent and warrant that the information you provide to ePN upon registration will be true, accurate, current, and complete. You also hereby represent and warrant that you will ensure that this information is kept accurate and up-to-date at all times.
Password. As a registered user, you will have login information, including a username and password. Your account is personal to you, and you may not share your account information with, or allow access to your account by any third party. As you will be responsible for all activity that occurs under your access credentials, you should preserve the confidentiality of your username and password. If you have any reason to believe that your account information has been compromised or that your account has been accessed by a third party, you agree to immediately notify ePN by e-mail security@eprocessingnetwork.com . You are solely responsible for your own losses or losses incurred by ePN and others due to any unauthorized use of your account.
General. ePN may contain or display through the Service various materials and content from third parties ("Third Party Materials"). The display on or through the Service of such Third Party Materials does not in any way imply, suggest, or constitute any sponsorship, endorsement, or approval by ePN of any third party or any affiliation between any such third party and ePN. Furthermore, in using and accessing the Service, you agree that ePN is in no way responsible for the accuracy, timeliness, or completeness of Third Party Materials. ePN's display of specific Third Party Materials does not suggest a recommendation by ePN of the third party or any products, services, websites or plans offered. Your interaction with any third party accessed through the Service (whether online or offline) is at your own risk, and ePN will have no liability with respect to the acts, omissions, errors, representations, warranties, breaches or negligence of any such third party or for any personal injuries, death, property damage, or other damages or expenses resulting from your interactions with the third party.
Third Party Links and References. The Service may contain references or links to third-party materials and websites not controlled by ePN. ePN provides such information and links as a convenience to you and such links and references should not be considered endorsements or recommendations of such sites or any content, products or information offered on such sites. You acknowledge and agree that ePN is not responsible for any aspect of the information or content contained in any third party materials or on any third party sites accessible or linked from the Service.
ePN does not allow use of the Service for any illegal, abusive purposes, in any manner that interferes with or interrupts the proper functioning of the Service, or through the use of any bot, crawler, spider, or other automated process. ePN reserves the right to restrict or terminate your right to use particular features of the Service if ePN determines, in its sole discretion, that your use violates these Terms or any other applicable Additional Terms.
You agree not to use the Site or any aspect or feature thereof for any unlawful purpose or in any way that might harm, damage, or disparage any other party. Without limiting the proceeding sentence, you agree that you will not, do or attempt to:
Reproduce, duplicate, copy, sell, trade, resell, distribute or exploit, any part of the Site, use of the Site, access to the Site, or content obtained through the Site for any purpose other than for your authorized use of the features of the Service that you have fully paid for, in accordance with all applicable Terms;
Access or use the Site for any comparative or competitive research purposes;
Remove, circumvent, disable, damage or otherwise interfere with any security-related features of the Site, or features that enforce limitations on the use of the Site or any content therein;
Use any manual or automated means to extract and/or compile content from the Site for any commercial purpose or otherwise;
Interfere with or disrupt the Site, networks or servers connected to the Site, or violate the regulations, policies or procedures of such networks or servers;
Undertake, cause, permit or authorize the modification, creation of derivative works, translation, reverse engineering, decompiling, disassembling or hacking of all or part of the Site or any other part thereof, except and solely to the extent permitted by law, or otherwise attempt to use or access any of the Site other than as intended; or
Use the Site in any manner whatsoever that could lead to a violation of any federal, state or local laws, rules or regulations.
The Service is owned and operated by ePN. The software, content, visual interfaces, interactive features, information, trademarks, logos, graphics, design, compilation, computer code, products, software, services, content, and all other elements of the Service ("ePN Materials"), are protected by copyright, trade dress, patent, and trademark laws of the United States and other jurisdictions, international conventions, and all other relevant intellectual property and proprietary rights, and applicable laws. All ePN
Materials, including intellectual property rights therein and thereto, are the property of ePN or its subsidiaries or affiliated companies and/or third-party licensors. You may not to sell, license, distribute, copy, modify, publicly perform or display, transmit, publish, edit, adapt, create derivative works from, or otherwise make unauthorized use of the ePN Materials. ePN reserves all rights not expressly granted in these Terms. You shall not acquire any right, title or interest to the ePN Materials, whether by implication, estoppel, or otherwise, except for the limited rights set forth in these Terms.
These Terms will remain in effect until terminated. These Terms, and your rights and licenses hereunder, will terminate immediately upon your breach of the Terms. You may terminate these Terms by canceling your account and subscription with ePN and, if applicable uninstalling and ceasing use of the Apps. ePN may terminate the Service, disable any App, and/or these Terms, or limit or terminate your access to the Services at any time for any reason or no reason at all. No refunds will be granted in connection with any termination of the Service. Sections 2, 8, 9, 10, 11, 12, 13, 14 and 15 shall survive the termination of this Agreement for any reason, along with any provisions of the Additional Policies that expressly by their terms survive. You agree that termination of your account is your sole remedy for any dissatisfaction with the Service.
ePN reserves the right, in its sole discretion, to add, remove, or modify features of the Service at any time for any reason without liability to you. ePN may change, modify, add, or remove portions of these Terms (including the Additional Terms) at any time by making such modified terms available to you on the ePN website or through an App, or both. The applicable modified terms will be identified as of the most recent date of revision and will be effective immediately upon posting, except as follows: in the event any such modification materially alters your rights hereunder, we will attempt to notify you directly through a message sent to the email address you have provided to ePN, if any, or a pop-up window or other notification when you access or use the Service, b) such materially modified Terms and or Additional Terms as applicable will be effective upon the earlier of your use of the Service with actual knowledge of the changes or thirty days after the changes are made available to you, and c) no modifications to these Terms will apply to any dispute between you and ePN that arose prior to the date of such modification. Your use of the Service after modifications to these Terms become effective constitutes your binding acceptance of such changes. If you are dissatisfied with the terms of these Terms, then you agree that your sole and exclusive remedy is to discontinue any use of the Service.
THE SERVICE IS PROVIDED ON AN "AS IS" BASIS, WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ePN DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE, MERCHANTABILITY, TITLE, QUALITY, AND NONINFRINGEMENT. ePN EXPRESSLY DISCLAIMS ANY WARRANTIES OF ANY KIND WITH RESPECT TO THE SERVICE, INCLUDING WITH RESPECT TO THE ACCURACY OR FUNCTIONALITY OF THE SERVICE, THE ACCURACY, VALIDITY, OR COMPLETENESS OF ANY INFORMATION AVAILABLE THROUGH THE SERVICE.
UNDER NO CIRCUMSTANCES WILL ePN, ITS OFFICERS OR DIRECTORS BE LIABLE TO YOU OR ANYONE ELSE FOR ANY LOSS OR INJURY OR ANY DIRECT, INDIRECT, SPECIAL OR OTHER CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR ACCESS OR USE OF, OR INABILITY TO ACCESS OR USE THE SERVICE AND THE INFORMATION AVAILABLE THEREON, EVEN IF ePN HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND NOTWITHSTANDING ANY FAILURE OF ESSENTIAL PURPOSE OF ANY LIMITED REMEDY. IN NO EVENT WILL ePN'S TOTAL CUMULATIVE LIABILITY ARISING FROM OR RELATED TO YOUR USE OF THE SERVICE, WHETHER IN CONTRACT OR TORT, EXCEED FIVE DOLLARS ($5). Some states do not allow the exclusion or limitation of incidental or consequential damages, so the above limitation or exclusion may not apply to you.
You agree to indemnify, defend and hold ePN and its affiliates, officers, directors, suppliers, and customers harmless from and against any and all liability and costs, including reasonable attorneys' fees incurred by such parties, in connection with or arising out of your use or misuse of the Service, your violation of the Terms, any applicable law or regulation, or the rights of any third parties related to the use of the Service.
a. Generally. In the interest of resolving disputes between you and ePN in the most expedient and cost effective manner, you and ePN agree that any and all disputes arising in connection with this Agreement shall be resolved by binding arbitration. Arbitration is more informal than a lawsuit in court. Arbitration uses a neutral arbitrator instead of a judge or jury, may allow for more limited discovery than in court, and can be subject to very limited review by courts. Arbitrators can award the same damages and relief that a court can award. Our agreement to arbitrate disputes includes, but is not limited to all claims arising out of or relating to any aspect of these Terms, whether based in contract, tort, statute, fraud, misrepresentation or any other legal theory, and regardless of whether the claims arise during or after the termination of these Terms. You understand and agree that, by entering into these Terms, you and ePN are each waiving the right to a trial by jury or to participate in a class action.
b. Exceptions. Notwithstanding subsection (a), we both agree that nothing herein shall be deemed to waive, preclude, or otherwise limit either of our right to (i) bring an individual action in small claims court, (ii) pursue enforcement actions through applicable federal, state, or local agencies where such actions are available, (iii) seek injunctive relief in a court of law, or (iv) to file suit in a court of law to address intellectual property infringement claims.
c. Arbitrator. Any arbitration between you and ePN will be governed by the Commercial Dispute Resolution Procedures and the Supplementary Procedures for Consumer Related Disputes (collectively, "AAA Rules") of the American Arbitration Association ("AAA"), as modified by these Terms, and will be administered by the AAA. The AAA Rules and filing forms are available online at www.adr.org, by calling the AAA at 1–800–778–7879, or by contacting ePN.
d. Notice; Process. A party who intends to seek arbitration must first send a written notice of the dispute to the other, by certified mail or Federal Express (signature required), or in the event that we do not have a physical address on file for you, by electronic mail ("Notice"). ePN's address for Notice is: eProcessing Network, 1415 North West Loop, Suite 1185, Houston, TX 77008. The Notice must (a) describe the nature and basis of the claim or dispute; and (b) set forth the specific relief sought ("Demand"). We agree to use good faith efforts to resolve the claim directly, but If we do not reach an agreement to do so within 30 days after the Notice is received, you or ePN may commence an arbitration proceeding. During the arbitration, the amount of any settlement offer made by you or ePN shall not be disclosed to the arbitrator until after the arbitrator makes a final decision and award, if any; provided that if our dispute is finally resolved through arbitration in your favor, ePN shall pay you the greater of (i) the amount awarded by the arbitrator, if any, and (ii) the greatest amount offered by ePN in settlement of the dispute prior to the arbitrator's award.
These Terms, whether interpreted in a court of law or in arbitration, shall be governed by the laws of the State of Texas as they apply to agreements entered into and to be performed entirely within Texas by Texas residents, and without regard to conflict of law principles. To the extent that any lawsuit or court proceeding is permitted hereunder, you and ePN agree to submit to the personal and exclusive jurisdiction of the state courts and federal courts located within the State of Texas for the purpose of litigating all such claims or disputes. These Terms (including the various additional terms incorporated herein by reference) constitute the entire agreement between you and ePN, and supersedes any and all prior agreements, negotiations, or other communications between you and ePN, whether oral or written, with respect to the subject matter hereof, and, except as expressly provided herein, cannot be modified except in writing signed by both parties. In the event that any provision of these Terms is held to be invalid or unenforceable, then: (a) such provision shall be deemed reformed to the extent strictly necessary to render such provision valid and enforceable, or if not capable of such reformation shall be deemed severed from these Terms; and (b) the validity and enforceability of all of the other provisions hereof, shall in no way be affected or impaired thereby. You agree to abide by all applicable laws in your use of the Service, including export control laws and similar regulations governing the transfer of software and other technology outside of the United States or other jurisdictions. You may not assign these Terms without the prior written consent of ePN, whether expressly or by operation of law, including in connection with a merger or change of control, and any such attempted assignment shall be void and of no effect. ePN may assign these Terms without restriction. Subject to the foregoing, these Terms shall be binding on the parties and their respective successors and permitted assigns. You acknowledge and understand that if ePN is unable to provide the Service as a result of a force majeure event ePN will not be in breach of these Terms. A force majeure event means any event beyond the control of ePN. The failure to exercise, or delay in exercising, a right, power or remedy provided in these Terms or by law shall not constitute a waiver of that right, power or remedy. ePN's waiver of any obligation or breach of these Terms shall not operate as a waiver of any other obligation or subsequent breach of these Terms.