Low Cost Refund Transfer Program

No Cost Option for Your Office & Taxpayers

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The Low Cost Refund Transfer Program1


Build long-term relationships with your clients with a convenient, low, low cost option. Allow your customers to use their refund to pay your tax prep service with e-Collect.

Benefits of e-Collect

e-Collect is the affordable alternative for clients looking to use their refund to pay your tax prep fee. It gives clients access to a tax professional while building a loyal and diversified customer base.

  • $20 Refund Transfer Fee 
  • Clients love it!
  • Easy to use
  • No hassle

$250 to $6,000
Taxpayer Refund Advance Loans2

Only $29.95 in-season ERO marketing fee3, and no cost4 to you if the loan is issued on a FasterMoney® Discover® Prepaid  Card5. Give clients access to the money they need now with zero hassle!


The FasterMoney® Discover® Prepaid Card is a great option for clients who don’t have a traditional bank account. A Printed Check from your office allows clients access to their money as soon as they cash it. Direct Deposit is an easy and convenient way for a client to receive their refund as soon as it’s available. 

FasterMoney Discover Prepaid Card

FasterMoney Discover Prepaid Card



Direct Deposit

Direct Deposit

At EPS, We’ve Made It Our Business to Help Your Business.

EPS President, Clark Gill


1. The Refund Transfer is an optional tax refund-related product offered by Pathward®, N.A., Member FDIC. The Refund Transfer is not a loan. E-filing of tax return is required to be eligible for the product. Subject to approval. Fees apply. See terms and conditions for details.

2.The Refund Advance is an optional tax-refund related loan provided by Pathward®, N.A., Member FDIC (it is not the actual tax refund) at participating locations. Program availability and loan amounts may vary based on state and software provider. The amount of the loan and applicable interest will be deducted from tax refunds and reduce the amount that is paid directly to the taxpayer. Fees for other optional products or product features may apply. Tax returns may be filed electronically without applying for this loan. Loans offered in amounts of $250 (where available), $500, or $1,000, 25%, 50%, or 75% of your expected tax refund from $250 – $6,000. When calculating the amount of your loan, the amount of your “expected” tax refund may be affected by any refundable tax credits. Loans in the amounts of $250, $500, and $1,000 have an Annual Percentage Rate (APR) of 0.00%. Loans in the amounts of 25%, 50% or 75% of your expected tax refund have an APR of 36.0% with a minimum loan of $1,250. For example, $2,500 loan representing 50% of expected refund borrowed over 29 day term, total amount payable in a single payment is $2,571.51 including interest. Availability is subject to satisfaction of identity verification, eligibility criteria, and underwriting standards.

3.A marketing fee of $34.95 applies for every approved In-Season advance with e-Collect and e-Bonus programs or loans without a refund transfer. $0 marketing fees require e-Advance program or use of the FasterMoney® Discover® Prepaid Card for disbursement with e-Collect and e-Bonus.

4. Pre-Acknowledgement Loans (approved prior to IRS Acknowledgement) have a $75 Marketing Fee.

5. The FasterMoney® Discover® Prepaid Card is issued by Pathward®, N.A., Member FDIC, under a license from Discover Financial Services. Discover and the Discover acceptance mark are service marks used by Pathward, N.A., Member FDIC, under license from Discover Financial Services.