US-based Electronic Payments acquires UK-based Handpoint to offer global payment services

Electronic Payments has acquired Handpoint. The deal expands EPI’s global reach and integrates Handpoint’s payment technology into its platform.

New York-based Electronic Payments, Inc. (EPI), a developer of innovative payment processing and point of sale solutions, announced the acquisition of England’s Handpoint. The financial terms of the deal were not disclosed.

Founded by Thordur Heidar Thorarinsson, David Gudjonsson, Handpoint provides integrated and mobile payment solutions and partners with independent software vendors (ISVs) and payment institutions in the US, Canada, the UK, South Africa, and Europe.

The company supports over 100 software companies across multiple regions, offering APIs, cloud-managed terminals, and tools for SaaS and payfac businesses to implement payments without recertifying hardware or rewriting code. With over 20 years of industry experience, Handpoint works with companies to integrate commerce solutions in both face-to-face and cloud-based environments.

David Gudjonsson will stay with the company to oversee the integration and support EPI’s global expansion. All Handpoint employees will remain with the combined organisation.

Aim of the acquisition

EPI, founded in 2000, is a direct payment processor that operates Cygma, Exatouch, TableTurn, and eGiftSolutions. It supports over 60,000 merchants and 1,500 partners across the US through its payment solutions.

The acquisition combines EPI’s agent, ISO, and ISV-focused model with Handpoint’s developer tools, creating a payment stack designed for multi-region deployment. The deal expands EPI’s presence in the global embedded payments market through a single integration.

Michael Nardy, Founder and CEO of EPI, says, “Our vision from day one has been to own the rails. Handpoint extends those rails everywhere—inside an app, on a phone, on a smart terminal, or across an ocean. EPI now delivers immediate reach for POS and ISV partners in dozens of markets where most competitors are still stuck stateside.”

Since 2014, Handpoint has built payment technology that lets software companies add in-person payments across many regions and sales channels.

David Gudjonsson, CEO of Handpoint, mentions, “EPI’s in-house approach and culture of putting partners first perfectly complement our developer DNA. By uniting our technologies, we’re giving developers and merchants a passport to global markets—no extra hardware certs, no code rewrites, just plug-and-play payments from Madrid to Miami.”

Michael Nardy adds, “This is a seminal transaction for EPI. Our agents can now deploy their own branded smart terminals at scale. Our POS and ISV partners can flip the switch on international markets, monetising payments within their software and retaining accretive economics with EPI acquiring. And our gateway-only clients will benefit from Handpoint’s technology, certified to more than 40 acquirers globally, and backed by an industry stalwart now helping to inform their ISV strategy.”

Strategic benefits for EPI

The acquisition brings several strategic benefits for EPI. By combining a global footprint with local settlement, the company can now offer a multi-currency gateway and acquire relationships in Canada, Europe, and Africa, which expand Cygma’s existing US capabilities and enable processing in more than 13 currencies under a single contract.

Its developer-first embedded platform provides unified APIs that reduce integration time, expand hardware options, and keep merchants outside PCI DSS scope. 

With a global approach at the core, POS providers can embed a single REST API or Android/iOS SDK and deploy across regions without the need for region-specific adjustments. 

In addition, SmartPOS solutions give ISOs and ISVs the ability to brand and manage terminals at scale, supporting both large enterprise POS systems and smaller merchant setups.

The acquisition adds over 100 ISV integrations, 18,000 connected devices, and more than $2B in annual payment volume to EPI’s portfolio. It also expands EPI’s reach into Canada, the UK, and more than 20 EEA markets. 

EPI’s partners gain access to unified payment rails, APIs, and operational control with international coverage.