For small businesses, stability and trust matter more than quick fixes or bold claims. Both Easy Pay Direct and Deposyt aim to support businesses that don’t fit the mold of mainstream processors. But the way they approach approvals, support, and long-term reliability sets them apart.
If you’re looking at Easy Pay Direct vs. Deposyt, here’s how they compare:
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Easy Pay Direct at a Glance
Easy Pay Direct specializes in businesses that can’t afford disruptions. Whether you’re in eCommerce, coaching, CBD, nutraceuticals, firearms, or traditional retail, EPD supports nearly every vertical in the U.S. and Canada. By partnering with 30+ back-end banks, EPD maintains a 99% approval rate across industries.
At the heart of its offering is the patent-pending EPD Gateway, which automatically routes volume across multiple merchant accounts. If you ever have an issue with one account, the others keep running, protecting your uptime and cash flow.
On top of that, every merchant gets a dedicated Merchant Success Team and a Payment Optimization Plan with milestone check-ins at 7/30/90/180/365 days to fine-tune performance and keep accounts stable.
Pros
- 99% approval rate across nearly every vertical
- Partnerships with 30+ banks for stability and flexibility
- Smart Gateway with transaction routing, fraud protection, decline recovery, chargeback mitigation, and more advanced features
- Integrates with 500+ shopping carts, POS systems, and terminals
- Dedicated merchant success team + Payment Optimization Plan
- Customized pricing based on risk and volume, optimized as you grow
Cons
- Slightly longer setup (1–2 days) due to upfront underwriting and documentation
Deposyt at a Glance
Similar to Easy Pay Direct, Deposyt positions itself as a Stripe and PayPal alternative, appealing to both e-commerce and in-person businesses, especially those in high-risk industries It promotes lower in-person processing rates (2.5% + $0.10) and even “zero-fee” programs that shift costs to customers. Deposyt also integrates with platforms like Shopify, WooCommerce, and ClickFunnels, and advertises 24/7 support.
However, Deposyt is a newer player with limited reviews and less trust built in the industry. Its approval rates are constrained because it partners with only one back-end bank. If that bank declines your business, you’re out of options. Funding is available, but only for businesses with 12+ months in operation and at least $10K in gross revenue. Merchants also report complex onboarding, high fees, and lack of transparency outside retail industries.
Pros
- Supports some high-risk industries mainstream processors reject
- Lower in-person transaction fees compared to PayPal/Stripe
- “Zero-fee” cash discount programs for retail businesses
- Integrates with popular platforms (Shopify, WooCommerce, ClickFunnels, etc.)
- Offers business funding up to $350K (for eligible businesses)
Cons
- Very limited track record; fewer independent reviews
- Only one back-end bank partner → limited approval rates
- Transparency issues with features and pricing
- Funding restricted to businesses 12+ months old with $10K+ in revenue
- Reports of complex onboarding and higher fees
- Only supports U.S. based Merchants
- Support limited, no knowledge base, and questionable responsiveness despite “24/7” claims
Side-by-Side Comparison: Easy Pay Direct vs. Deposyt
| Feature | Easy Pay Direct | Deposyt |
|---|---|---|
| Approval & Risk Coverage | Works with nearly every vertical; 99% approval rate via 30+ bank partners | Focused on high-risk; only 1 bank partner, limited approval rates |
| Upfront Underwriting | Thorough underwriting (1–2 days) ensures true approval and stability | Does upfront underwriting but reports of complex, drawn-out onboarding |
| Pricing | Customized to your risk profile & volume; optimized over time | Retail rates (2.5% + $0.10); “zero-fee” program; less transparency in other industries |
| Gateway & Features | Smart Gateway: transaction routing, fraud prevention & chargeback mitigation, ACH, recurring billing, Level 3 optimization | Virtual terminal, ACH, integrations, but lacks advanced routing & stability tools |
| Integration & Hardware | 500+ shopping carts, POS systems, and terminals, API flexibility | Works with Shopify, WooCommerce, ClickFunnels, SamCart, Infusionsoft. Limited information on other integrations or API flexibility |
| Support | Dedicated merchant success team; call/text/email with answers in minutes; structured optimization check-ins | Promises 24/7 support but no online knowledge base; merchants report poor responsiveness |
| Funding | Works with trusted third-party funders across industries | Up to $350K funding, but only for 12+ months in business & $10K+ revenue |
| Stability | Deep industry experience + multiple bank relationships for redundancy | Limited history; single bank reliance → greater risk of shutdowns |
Side-by-Side Comparison: Easy Pay Direct vs. Deposyt
Approval & Risk Coverage
Works with nearly every vertical; 99% approval rate via 30+ bank partners
Focused on high-risk; only 1 bank partner, limited approval rates
Upfront Underwriting
Thorough underwriting (1–2 days) ensures true approval and stability
Does upfront underwriting but reports of complex, drawn-out onboarding
Pricing
Customized to your risk profile & volume; optimized over time
Retail rates (2.5% + $0.10); “zero-fee” program; less transparency in other industries
Gateway & Features
Smart Gateway: transaction routing, fraud prevention & chargeback mitigation, ACH, recurring billing, Level 3 optimization
Virtual terminal, ACH, integrations, but lacks advanced routing & stability tools
Integration & Hardware
500+ shopping carts, POS systems, and terminals, API flexibility
Works with Shopify, WooCommerce, ClickFunnels, SamCart, Infusionsoft. Limited information on other integrations or API flexibility
Support
Dedicated merchant success team; call/text/email with answers in minutes; structured optimization check-ins
Promises 24/7 support but no online knowledge base; merchants report poor responsiveness
Funding
Works with trusted third-party funders across industries
Up to $350K funding, but only for 12+ months in business & $10K+ revenue
Stability
Deep industry experience + multiple bank relationships for redundancy
Limited history; single bank reliance → greater risk of shutdowns
| Feature | Easy Pay Direct | Deposyt |
|---|---|---|
| Approval & Risk Coverage | Works with nearly every vertical; 99% approval rate via 30+ bank partners | Focused on high-risk; only 1 bank partner, limited approval rates |
| Upfront Underwriting | Thorough underwriting (1–2 days) ensures true approval and stability | Does upfront underwriting but reports of complex, drawn-out onboarding |
| Pricing | Customized to your risk profile & volume; optimized over time | Retail rates (2.5% + $0.10); “zero-fee” program; less transparency in other industries |
| Gateway & Features | Smart Gateway: transaction routing, fraud prevention & chargeback mitigation, ACH, recurring billing, Level 3 optimization | Virtual terminal, ACH, integrations, but lacks advanced routing & stability tools |
| Integration & Hardware | 500+ shopping carts, POS systems, and terminals, API flexibility | Works with Shopify, WooCommerce, ClickFunnels, SamCart, Infusionsoft. Limited information on other integrations or API flexibility |
| Support | Dedicated merchant success team; call/text/email with answers in minutes; structured optimization check-ins | Promises 24/7 support but no online knowledge base; merchants report poor responsiveness |
| Funding | Works with trusted third-party funders across industries | Up to $350K funding, but only for 12+ months in business & $10K+ revenue |
| Stability | Deep industry experience + multiple bank relationships for redundancy | Limited history; single bank reliance → greater risk of shutdowns |
Why Easy Pay Direct is the Better Choice
Deposyt may appeal to high-risk merchants, but its limited trust, single-bank model, and support issues make it a risky bet. Easy Pay Direct, by contrast, is built for businesses that want stability and long-term growth:
- 99% approval rate with 30+ bank partners, more options, more stability
- Smart Gateway with transaction routing, routing, fraud prevention tools, and chargeback mitigation to keep payments running
- Dedicated Merchant Success Team you can call, text, email, or chat anytime, plus a structured optimization plan to keep your account healthy
- Tailored pricing that’s transparent and optimized as you grow
- End-to-end flexibility with 500+ shopping cart integrations and trusted third-party solutions
If you’re serious about protecting your revenue and building on a stable foundation, Easy Pay Direct is the stronger, safer choice over Deposyt.
The Best Payment Processor for Small Businesses
Choosing the best payment processor for small businesses isn’t just about marketing claims, it’s about finding a partner you can rely on long-term. Deposyt serves a niche, but with limited reviews, transparency issues, and a single-bank dependency, it lacks the stability most small businesses need.
Easy Pay Direct consistently rises to the top thanks to decades of experience, deep banking relationships, advanced gateway technology, and dedicated support.
