# EFX Software Pricing, Alternatives & More 2026 | Capterra

> With the help of Capterra, learn about EFX Software - reviews, pricing plans, popular comparisons to other Payment Processing products and more.

Source: https://www.capterra.com/p/196712/EFX/pricing

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# 

 EFX Software Review 2026: Features, Integrations, Pros & Cons

Last updated on March 13, 2026

Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team.

[Description](#description)[Use cases](#use-cases)[Alternatives](#alternatives)[Features](#features)[Pricing](#pricing)[Support](#support)[Reviews](#reviews)

EFX

## What is EFX?

EFX is a secure transaction processing company whose portfolio includes ATM, ACH payroll, and rent processing. Powered by the latest industry innovations, EFX provides secure and reliable transaction processing solutions across a variety of industries. By leveraging our agile team of technology leaders in combination with our relationship-driven approach, EFX is able to offer a breadth of capital flow solutions supported by proprietary software and white-glove client support.

## What is EFX used for?

[Payment Processing](https://www.capterra.com/payment-processing-software/)

Overall rating

Based on 8 user reviews

Reviews sentiment

Positive

\-

Neutral

\-

Negative

\-

Starting price

$1

One Time

Free trial  
available

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Do you work for EFX?[Manage this product listing](https://digitalmarkets.gartner.com/get-listed/claim-bx?url=http://efxfs.com&name=EFX)

## Compare with a popular alternative

Capterra selects software alternatives based on relevant features, verified user reviews and user interactions. Placement may be influenced by client status.

### EFX

4.0 (8)

VS.

[4.6 (3,304)](https://www.capterra.com/p/123889/Stripe/reviews/)

Starting Price

$1

One Time

Starting Price

Contact vendor

Free Trial

Free Version

Pricing Options

Free Trial

Free Version

Ease Of Use

4.0 (8)

Ease Of Use

4.5 (26,258)

Value For Money

3.6 (7)

Value For Money

4.4 (20,120)

Customer Service

2.4 (5)

Customer Service

4.2 (20,377)

## EFX alternatives

[4.8 (524)](https://www.capterra.com/p/163474/WeTravel/reviews/)

Starting price

$79.00

Per User, Per Month

Pricing Options

Free Trial

Free Version

User Rating

98%

of reviewers

rated it above 4 stars

[4.7 (479)](https://www.capterra.com/p/182990/GCPAY/reviews/)

Starting price

Contact vendor for pricing

Pricing Options

Free Trial

Free Version

User Rating

96%

of reviewers

rated it above 4 stars

[4.7 (103)](https://www.capterra.com/p/10014229/Zil-Money/reviews/)

Starting price

$30.00

Per User, Per Month

Pricing Options

Free Trial

Free Version

User Rating

92%

of reviewers

rated it above 4 stars

Highest Rated

[4.9 (247)](https://www.capterra.com/p/198072/ePayPolicy/reviews/)

Starting price

$25.00

Per User, Per Month

Pricing Options

Free Trial

Free Version

User Rating

99%

of reviewers

rated it above 4 stars

[View all alternatives](https://www.capterra.com/p/196712/EFX/alternatives/)

## Features

Features with the highest number of reviews are displayed first. Those that have no reviews appear next, sorted alphabetically.

Mobile Payments

1.0 (1)

100.00% of 1 reviewers that rated this feature as important or highly important

Clients can submit payments via mobile devices

Online Payments

4.0 (1)

100.00% of 1 reviewers that rated this feature as important or highly important

Accept and process online payment transactions

ACH Payment Processing

Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH)

API

Application programming interface that allows for integration with other systems/databases

Data Import/Export

Import and export data to and from software applications

Debit/Credit Card Processing

Accept and process credit/debit card transactions

EFX 9 features

Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH)

Application programming interface that allows for integration with other systems/databases

Import and export data to and from software applications

Accept and process credit/debit card transactions

Clients can submit payments via mobile devices

Accept and process online payment transactions

Integration with payment gateways to facilitate online transactions

Automated process of charging customers at regular intervals for repeated access or use of a product or service

Monitor or audit historical and current transactions to analyze customer account activities

Get Advice

We can help you find the software with the features you need.

Features

3.6 (8)

3.6

Based on 8 reviews

## Pricing

Value for money

3.6 (7)

Free Trial

Basic

$1.00

One Time

Value for money

3.6 (7)

3.6

Based on 7 reviews

Connect with a Capterra advisor for a free 15-minute consultation

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## Support, customer service and training options

Customer Service

2.4 (5)

Support

-   Email/Help Desk
-   FAQs/Forum
-   Knowledge Base
-   Phone Support
-   24/7 (Live rep)
-   Chat

Training

-   In Person
-   Live Online
-   Webinars
-   Documentation
-   Videos

Deployment

-   Web
-   Android
-   iPhone/iPad

Typical users

-   Freelancers
-   Small businesses
-   Mid size businesses
-   Enterprises

Customer Service

2.4 (5)

2.4

Based on 5 reviews

## User reviews

Overall rating

4.0

Based on 8 reviews

Filter by rating

5(4)

4(0)

3(4)

2(0)

1(0)

Mentioned topic

Sorted by most recent

Chris K.

Self Employed

Retail

### "EFX Payment Processing Software"

3.0

Overall Rating

3.0

3.0

Ease of Use

3.0

3.0

Features

3.0

3.0

Customer Service

0.0

0.0

Likelihood to Recommend

4/10

August 11, 2021

The thing that EFX taught us was how much we needed a payment processing application and what we needed it to do. It was much easier picking the next one we used

Pros

I like the customizable reports. This was helpful in tracking sales and payments. There are no subscription fees, its a one time payment so that is out of the way without added monthly charges.

Cons

This software did not fit our needs at all. I think it may be designed for a larger company. We needed a lot more function from a payment processing and accounting app. There was no mobile integration so on the go payments were too difficult and it got frustrating just trying to sign in.

Reasons for choosing EFX

I wasn't aware there were payment processing applications for a business the size of ours at the time. We saw an ad on a trade site at the same time we were talking about needing something like this so we just tried it. We have since learned a lot but this was out "first".

Review source

Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication.

RM

ruman m.

president

Financial Services

### "User Friendly"

5.0

Overall Rating

5.0

5.0

Ease of Use

5.0

5.0

Features

5.0

5.0

Customer Service

2.0

2.0

Likelihood to Recommend

7/10

February 6, 2020

Use it for ATM processing

Pros

User has full control. Options are well laid out. Have the option to add users and give them control as needed.

Cons

Not mobile friendly. Sometimes gets confusing. Passwords requirements are way too much

Review source

Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication.

LJ

Luis J.

Owner

Banking

### "Features and Recommendations"

3.0

Overall Rating

3.0

3.0

Ease of Use

4.0

4.0

Features

3.0

3.0

Customer Service

3.0

3.0

Likelihood to Recommend

6/10

January 17, 2020

continued from above. 3) EFX should have more than one option for the accounts attached to a TID. For example, if I wish to have the Vault Cash go to one account, and a Reg-E settlement go to another, I should be able to do that. right now that is not an option. It is with other ATM processors, but not EFX. 2) Any action on Sibi Systems that changes the overall setup or status of an account should automatically trigger the system to send out an email to any and all managers of that TID.

Pros

1) The website itself if very simple, and EFX does seem to give it's users and ATM Company operators more autonomy on the website to complete required tasks for different ATM Accounts/TID's. This is extremely beneficial in order to get a TID up and running on the spot and as quickly as possible. 2) Interchange buy rates are better than the market average, but EFX should capitalize on this by making them even better in order to gain a better share of the market.

Cons

1) EFX use to allow individual ATM operators to process their own merchant bank accounts. Recently that access has been revoked back up to EFX Customer Support. One, this slows down my ability to process merchant accounts, and two, I have had more than one occasion where the EFX representative made a mistake with the account number, which I then had to contact to rectify. This change put a huge work load on those EFX representatives, that was not there before. When they have this huge new workload, they will speed through it and make mistakes with the account numbers. I, as an individual operator, have the time resources to thoroughly check, recheck and double check those account numbers to make sure they are correct. 2) EFX controls the Interchange Buy Rates completely. I cannot control and manage the rate beyond the rate that I'm given. Let me explain. I currently have a 9 cent buy rate. I have brought other operators under me with EFX, and gave them a buy rate that is 13 cents. The benefit to me is the different between the 9 cents and 12 cents. Meaning i make 3 cents for each transaction of other operators i bring. However, i cannot control and manage that difference. I had to work with EFX for 4 months on one project of another operator i brought to the platform before the right interchange rate was given to that operator. That is a huge waste of time for me and for EFX, and it's something that drives away those new operators.

Reasons for choosing EFX

Better autonomy online and better interchange buy-rates.

Review source

Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication.

JM

Jorge M.

President

Banking

### "Ai ATMs"

5.0

Overall Rating

5.0

5.0

Ease of Use

5.0

5.0

Features

5.0

5.0

Customer Service

0.0

0.0

Likelihood to Recommend

8/10

January 13, 2020

Pros

The software is Very User Friendly and easily nagivated

Cons

The site can be Unstable and tends to update without notice

Review source

Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication.

MA

Mamoun A.

Manager

Accounting

### "It not the SW its support"

3.0

Overall Rating

3.0

3.0

Ease of Use

4.0

4.0

Features

3.0

3.0

Customer Service

1.0

1.0

Likelihood to Recommend

3/10

January 8, 2020

I have been with EFX for almost 5 years. They have a big problem with support and responsiveness. On many occasions I would send an email with questions or inquiries and would never hear back even after I follow up. You almost have to beg them for a yearly disputes report and they would drag you for weeks before providing mediocre report lacking any valuable information or explanation.

Pros

the new SW is Easy to use and visually intuitive

Cons

maybe add more color coding to terminal status. Disputes status need more explanation.

Review source

Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication.

AU

Anonymous User

Owner

Financial Services

### "ATM processing works, except when it doesn't....will cost you time and money."

3.0

Overall Rating

3.0

3.0

Ease of Use

1.0

1.0

Features

1.0

1.0

Customer Service

1.0

1.0

Likelihood to Recommend

0/10

January 3, 2020

Several major platform failures the last 2 years left ATM clients with weeks of failed transactions or settlement inaccuracies. EFX Customer service never provides ISOs a heads up when there is a problem, instead time is wasted trying to trouble shoot, and clients are alienated. A few honest an sympathetic employees offer a "I'm sorry", but otherwise management is extremely negligent in providing ISOs with ANY information necessary to weather a problem. I'm certain EFX is afraid of liability if they admit a problem, so the ISO's takes on the burden. Repeated requests to talk to management for a possible resolution are ignored. If not so much trouble to switch to another processor, would do so in an instant. There are plenty of other more ethical and forthcoming ATM processing options.

Pros

Reports are plentiful, but reconciling nearly impossible, because reports flip flop between business day and banking day.

Cons

When there's a problem, the ISO is left in the dark holding the bag, with unhappy ATM customers. There is no explanation from EFX.. No timeline offered for correction.

Review source

Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication.

FA

Franco A.

Managing member

Banking

### "Impressive "

5.0

Overall Rating

5.0

5.0

Ease of Use

5.0

5.0

Features

5.0

5.0

Customer Service

5.0

5.0

Likelihood to Recommend

10/10

December 19, 2019

Great! \[SENSITIVE CONTENT HIDDEN\] is always available and great asset

Pros

The cleanliness and simplicity of display.

Cons

No mobile optimization and the fact that just one individual knows more about the system

Reasons for choosing EFX

Better communication

Review source

Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication.

JN

Jennifer N.

Property Manager

Real Estate

### "Great for Multi Family Property"

5.0

Overall Rating

5.0

5.0

Ease of Use

5.0

5.0

Features

4.0

4.0

Customer Service

0.0

0.0

Likelihood to Recommend

9/10

December 19, 2019

My residents have been so extremely happy with the option of paying online. It has made their life so much easier as most of them are students.

Pros

The ease of using the backend is really easy to teach. It's also very easy to navigate. It also makes leasing with people out of state much easier to pay deposits, etc...

Cons

I would like to see about integrating on an older system of rental records. I would like to see about the possibility of extending access to overseas customers :)

Review source

Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication.

[View all Reviews](https://www.capterra.com/p/196712/EFX/reviews/)

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