Meet the Team behind the
Honest, Simple, and Local Approach
About Us
Electronic Payments Northeast (EPI Northeast) has been New England’s trusted, locally owned merchant services partner since 1979. Formerly known as MJM Associates, we’re dedicated to helping businesses of all sizes simplify payments, save money, and thrive in their communities.
We believe service is everything. Our team is here for you 24/7, providing hands-on support, upfront answers, and never any hidden fees or monthly minimums. We’re proud to build relationships that last—many of our clients have been with us for decades because we always follow through, from setup to ongoing support.
Over the past 20+ years, we’ve expanded our offerings to include advanced point of sale systems, mobile payment solutions, loyalty programs, and secure e-commerce tools. No matter your industry—retail, restaurant, service, nonprofit, or online—we tailor our solutions to fit your needs and help you grow.
Most importantly, we’re committed to keeping payments honest, simple, and local.
Our Team
MEET president
Joel Breton
President of Electronic Payments Northeast, a local merchant service provider with over 20 plus years of experience in the electronic payments business. He received his MBA from Southern New Hampshire University, as well as a Bachelors of Business Administration and a minor in Finance. Joel has worked directly with businesses of various sizes to customize their processing needs as it fits their business. Joel has established relationships to become the preferred vendor of Paul Mitchell Northern New England, NH Farm Bureau and the Mount Snow Region Chamber of Commerce. Former President of the Hooksett Chamber of Commerce. Joel currently resides in Hooksett with his wife, daughter and beloved dog.
Prior to joining EPINE as President, Joel worked with Citizens Bank in various job rolls and functions. Joel was cross trained in all banking products from personal products (checking accounts, personal and home equity loans) to business products (wire transfers, business lines of credit and business checking accounts). The experience he learned in the banking industry helped pave the path to electronic payments industry.
(603) 623-0561
MEET Sales & Account Executive
Cody Tibbetts
Cody brings 6 years of experience in banking, business development, and customer service to their role at Electronic Payments Northeast. With a background in community-focused financial services, they specialize in building meaningful client relationships, fostering growth, and delivering innovative solutions tailored to meet each client’s needs. Their commitment to excellence is rooted in a passion for treating every interaction with care, respect, and professionalism.
Outside of work, Cody enjoys spending time with family, especially his wife Megan and their puppy, Ash. He has a love for traveling, with Aruba being a favorite destination, and exploring new technology. Dedicated to supporting and growing the community, Cody Tibbetts is passionate about making a positive impact both personally and professionally.
(603) 219-3143
MEET Sales & Account Executive
Keith Galvin
Keith has been a Sales Consultant with EPINE since December 2018, having previously worked with Heartland Payment Systems since 1999. He spent close to 20 years working in many different positions within their organization, including Relationship Manager, Territory Manager, and Division Manager, learning every aspect of the payment processing industry. He was also instrumental on the team that developed their Internal CRM, known as Atlas. Keith worked with the IT Development team on testing, integration and National Support. He was also on the National Sales Mentor Training team.
In his roles within the Sales Organization, Keith worked with several Agent Banks helping them to grow their footprint with depository accounts and support their Merchant Services relationships for their Commercial Clients. Keith lives in Franklin, NH with his wife Tami.
(603) 571-9732
Our Extended Support Team
Behind the scenes, Electronic Payments Northeast is backed by a skilled US based technical support team. This ensures our merchant partners always have access to 24/7 support, fast troubleshooting, and expert guidance when facing a payment challenge.
Founding Member (Retired)
Jacques Breton
An Electronic Payment Services veteran since January 1970, Jacques Breton has worked in practically every facet of the electronic payment industry.
Since entering the credit card industry in January 1970, Jacques has held and performed many different positions. From 1977 to 1993, he managed an acquiring portfolio which included the development of specialized software for ACH, electronic draft capture and unbundled merchant price. From 1993 to the present, his efforts have been devoted to promoting and selling various products, services and consulting to acquirers, financial organizations, sales organizations, independent contractors and trade associations.
Through the years, he has worked for financial organizations, processors, sales organizations and manufacturers of credit card products, as well as providing independent consulting in the electronic payment industry. Now Jacques has returned to his roots selling electronic payment services to local businesses and offering free analysis of their current provider.
Ready to get started?
Let’s make payments simple—together.
Reach out for a friendly, no-pressure conversation about your business needs.
We’re here to answer your questions, review your current setup,
and help you find the best solution—no hidden fees, no surprises.
Contact us today and experience the difference of real, local support.
© 2026. Electronic Payments Northeast. All rights reserved.
Electronic Payments is a registered ISO/MSP of Commercial Bank of California
Electronic Payments is a registered ISO of Wells Fargo Bank, N.A., Walnut Creek, CA.
Electronic Payments is a registered MasterCard© TPP
American Express may require separate approval
