Can EPnet be configured as a credit account as well as a debit account?
Both are possible. A debit account is almost universally used in staff catering. Hotels which secure a booking against a credit card imprint will be able to use EPnet in credit mode, with guests paying the bill on departure. Hostels on the other hand will, most likely, prefer debit mode. It is even possible to run credit accounts for some users and debit accounts for others within the same system.