Lassiter,
1) If you would like to see the documentation about how to integrate FlexPost into your program, send a request to
support@epochsystems.com. You might also want to look at some of the other premium features that we offer at
http://www.epochsystems.com/premiumfeatures/
2) Paycom does not own any banks.
3) Epoch and ePassporte are two sepearte companies. I don't know why you insist there is some sort of plot going on to earn interst on ePassporte account set up fees. If you can not afford $100 to open an account, then Epassporte may not be the solution for you.
4) Denied trans are dead unless YOU are doing something with them, which, you have the option of doing. Sending dead trans to Epassporte is a winning situation as it's money you would never otherwise realize. There are fees, yes, to open an ePassporte business account but they insure that Epassporte meets the Visa rules and the fee is modest. The fee is the same if you have no money in an account or a million dollars. I REALLY don't understand your issue.
Write to me if I can help you get an account set up. I know you'd be glad you did.