The EPIC system manages both credit and debit transactions. You have the option of funding loans via ACH or Wire Transfer. For funded loans, payments are accepted by the system either via ACH or Debit Card transaction. Based on your customized EPIC configurations – borrowers can receive payment reminders via email and/or text messaging each time a payment is due. EPIC gives you all the tools needed to manage consumer payments, even if they are outside of the predetermined payment schedule. You can use EPIC functionality to skip a payment, accept an early payment, setup collection payment arrangements, or handle virtually any payment scenario.