Category Archives: FAQ

Can it be used internationally?

Yes.  We offer a wide variety of International Merchant Accounts.

What is an authorization?

An authorization is used for two reasons:

To verify there are funds available on a credit card.
To authorize the use of those funds (this will hold the funds until the sale is made)

If I put in a sale do I have to then also authorize it separately?

No.  If you run a credit card sale, the transaction will complete or decline.  Authorizations are only used when you want to authorize a card before you actually run the transaction.  See Authorization

Can a check bounce or be fraudulent and if so how does that affect me?

Yes.  Checks and ACH transactions can bounce whether you cash them in person or electronically.

What if I don’t know the transaction id/service date or last name of customer, can I search by first name or address?

Yes.  You can search by nearly any information you have about a customer or transaction: date, time, first name, last name, location, amount, payment type, etc. Click here for detailed instructions.

Where is all my customer/client info being stored?

All cardholder information is stored securely in the PCI Compliant, Easy Pay Direct Database.Every Easy Pay Direct Merchant can access any transaction at any point in time – from any computer.
We designed the Customer Vault as an extra feature to … Continue reading →

Can I process debit cards?

Yes.  You can process any card with a Visa, Mastercard, Discover or American Express logo.  However, the Easy Pay Direct system does not support “pin entered” debit transactions.  All debit cards must be run as credit cards.

Would I be liable for any disputed transactions from my clients?

Yes.  When you set up a merchant account you as a business owner are always responsible for handling disputes with your customers or clients.
Some businesses have more disputes than others.  Because we work with many special needs clients (some call … Continue reading →

Is there 24 hour phone support?

Yes.  We’re here to make your life Easier – whether it’s 3pm or 3am.  Call us at 800.805.4949 and our Easy Pay Direct support staff will make things easy for you.

Is a business license needed to use this service?

In order to setup a merchant account you must have a business.  A business license is not necessarily required, but if you are a sole proprietor you must submit documentation such as DBA paperwork filed with the state to indicate … Continue reading →

How do I search for a specific transaction?

There are several ways to search for a specific transaction.
If you are doing a Capture, Void or Refund – you can search from inside those features by clicking on the magnifying glass icon.  The steps below will walk you through … Continue reading →

How do I void a transaction?

Void is used if you want to reverse a credit card or electronic check transaction on the same day as the initial transaction.
To void a transaction:
(make sure you are logged in to your account)

1) Click Void(In the left column, choose … Continue reading →

How do I refund a credit card or electronic check transaction?

If you want to reverse a transaction the same day, you should VOID the transaction.  Refunds are used if you want to reverse a transaction any time after the initial day of the transaction.
To refund a transaction
(make sure you are … Continue reading →

How do I integrate Easy Pay Direct into my shopping cart?

This answer varies depending on the shopping cart you are using.  Inside of most shopping carts(Not inside the EasyPayDirect.com gateway) you will find a drop down menu that gives you a list of gateways to pick from.  You want to … Continue reading →

How would I integrate this service into my existing website?

Most Easy Pay Direct customers use a third party shopping cart to accept payments on their website (See the full list of supported shopping carts).
However, you can also use the “Quick Click” option to sell items directly on your website.  … Continue reading →

How do I setup 24 hour funding?

If you would like your funds deposited into your bank account during the next business day, submit your request to 24hourfunding@EasyPayDirect.com .  It is important to understand that it is necessary for your EPD gateway to batch out at 5PM … Continue reading →

How do I swipe credit cards through Easy Pay Direct?

The Retail swIPe program has been tested on Windows XP and Windows Vista operating system.
Software installation instructions:
(Please make sure the USB Swipe is connected to a USB port)

Download the software here – Double click the attached program “Gateway Swipe Installer.exe”
You … Continue reading →

How do I run a void?

You can run a void from the home screen for either credit cards or electronic checks
The Bread Crumbs (look for each word, then click it):
After Logging in: Main Screen->Void->

How do I setup Recurring Billing?

There are 2 ways to do this from the home screen.  There are also options to set this up at many other points while you are running transactions (and after).

create subscription
add subscription

How do I email a receipt?

There is a check box at the bottom of the screen that says “send email recept”.  Simply check this box and click the button below it (sale/void/refund etc) to finalize the transaction.
There is also a link in the top right … Continue reading →

How do I print a receipt?

There is a link in the top right section of the “transaction details” screen (when you are reviewing any given transaction).  Simply click on that link to print a receipt.

Who is Electronic Payments Inc (EPI)?

Electronic Payments Inc (EPI) is the processing company that processes your credit card transactions.  EPI has been an INC 500 company for the last 2 years and is a strategic partner who works with the card associations (Visa/MC/discover etc) to … Continue reading →

Why do I get a better rate if I enter  the zip code, CVV code, etc…. ?

We didn’t make the rules, but here’s the story:
The bottom line rates are all based on fraud.  Every year, Visa/MC/Discover get together with card issuers and analyze the fraud rates and see what types of transactions have the highest fraud … Continue reading →

How can I get the best credit card rates when using the Easy Pay Direct gateway?

When running credit card transactions, the rule of thumb is: the more information the better.  The more information you supply, the more satisfied Visa / Mastercard and the Associations are that your transaction is not fraudulent.
To Qualify for the best … Continue reading →

What information do I NEED to enter to run a credit card transaction?

By default, the Easy Pay Direct gateway only requires you to enter the credit card number, expiration date (checking and routing number if running an ACH / Electronic Check transaction) and the amount of the transaction.
The gateway is setup to … Continue reading →

Can I process more than one transaction at a time?

Yes.  Processing more than one transaction at a time is easy with the batch uploading feature (link tobatch uploading).

Why does the gateway ask me for so much information?

First – you can have the system only prompt you for certain information
Now that you know that – the EPD system has been setup the way it has for your flexibility.  At large, the fields are simply there for … Continue reading →

Can I tell the system to only ask me for certain information?

Yes.  From  (see How to turn off fields when running transactions)
How to turn off fields when running transactions

How do you run a credit card transaction?

Login to the Easy Pay Direct Gateway
Look for “Credit Card” in the left column.  Click on “Sale” immediately under it.
Enter the correct credit card number
Enter the expiration date
Enter the amount of the transaction
Enter any other information you would like the … Continue reading →

What is the NACHA SEC Code?

NACHA stand for North American Clearing House Association.  This association has come up with three letter codes to identify how the checking information was obtained.
Below is an explanation of each term and when to select it from the dropdown menu:
WEB … Continue reading →

Questions that have not been answered here:

Please Call us at 800 805 4949 OR Contact Us

How long after I run a transaction will I see money in my bank account?

Typically it takes 48-72 business hours for money to be deposited into your bank account.  This is true for credit cards, but electronic checks typically take at least four business days.  It is common for Amex transactions to take a … Continue reading →

How Do I Read My statement?

We know statements can be confusing. Check out our Easy Statement Explanation.

Do I need to settle (Batch Out) my transactions every day?

No.  The Easy Pay Direct system automatically settles your transaction at the end of every day.

I never received my welcome email…why?

Check your SPAM filter.  Many of the large email providers (gmail, hotmail, yahoo) have strict SPAM filters and can hold up your welcome email.  Search for junk mail and SPAM folders and add us to your “safe sender” list.

If … Continue reading →