How Easy Pay Direct Helped Dean Graziosi Remove a 5% Reserve Hold
Dean Graziosi's prior merchant account provider imposed a 5% reserve hold overnight with no warning. Easy Pay Direct set up new merchant accounts with multi-account architecture and ongoing Certified Payment Specialist support, restoring normal processing and removing the hold.
About Dean Graziosi
Dean Graziosi is an author, entrepreneur, and real estate education and personal development authority. His business sells digital products and programs online, relying on a payment processing infrastructure that supports affiliate campaigns, paid media traffic, and high transaction volumes.
For years, Dean Graziosi operated with a single merchant account that his prior provider described as designed for his business model. He assumed the account was configured correctly and that the relationship was stable.
Dean Graziosi has processed with Easy Pay Direct since reaching out to Brad and the team following the reserve hold incident.
An Overnight 5% Reserve Hold With No Warning
Dean Graziosi woke up one morning to find that his prior merchant account provider had imposed a 5% reserve hold on all funds, effective immediately, with no advance notice.
For a business model that relies on affiliate programs and paid media campaigns, where profit margins on some campaigns run between 4% and 8%, a 5% reserve means the ability to make payroll or generate personal income can disappear overnight.
Dean's prior account representative, who had managed the account for years, had no option to prevent the hold or remove it. The prior provider had allowed Dean's business to grow around a single merchant account with no redundancy built in. When the bank made its decision, there was no backup plan.
Dean's chargeback rates and decline rates had always been below average, but the bank's internal decision-making process did not take that into account.
Multi-Account Architecture and Ongoing Dedicated Support
Fast approval with real underwriting, 1-4 business days on clean files.
Dean Graziosi reached out to Brad and the team at Easy Pay Direct. Rather than replacing one single merchant account with another, Easy Pay Direct built a multi-account architecture that eliminated the single point of failure.
The solution included:
- Real underwriting by a human reviewer who assessed Dean's actual business model, chargeback history, and volume profile
- New merchant accounts approved with better terms and no reserve hold
- Multi-account setup providing routing redundancy and protection against future single-account risk
- Ongoing management by a Certified Payment Specialist who monitors accounts, reviews reserve structures, and provides proactive support
- Architecture compatible with affiliate-driven traffic and paid media campaigns
Fast approval with real underwriting meant the underwriting team evaluated Dean's actual performance record, not a generic risk score applied to his vertical. 1-4 business days on clean files is the standard, and Dean's file moved through quickly.
To this day, Dean Graziosi has processed with Easy Pay Direct with ongoing specialist oversight of his merchant account portfolio.
What Easy Pay Direct Delivered
Dean Graziosi on Easy Pay Direct
Dean Graziosi
Author and entrepreneur
"I am a very happy client of Easy Pay Direct, working with them was very professional. Everybody was in touch with my team every step of the way and I am very happy to recommend them to everyone."
Dean Graziosi has processed with Easy Pay Direct and continues to rely on the team for ongoing merchant account management.
What other operators have said
Hal Elrod
Author and speaker
"Easy Pay Direct has been super helpful in a bunch of different areas that none of our other processors provided. Highly recommend them."
Hal Elrod has processed with Easy Pay Direct. Before working with Easy Pay Direct, a launch resulted in $156k of a $750k run being held by a prior processor.
Roland Frasier
Business growth strategist
"I am a very happy client of Easy Pay Direct, working with them was very professional. Everybody was in touch with my team every step of the way and I am very happy to recommend them to everyone."
Roland Frasier has processed with Easy Pay Direct.
Dealing With a Reserve Hold? Or Preventing One?
Whether your prior provider has already imposed a reserve hold or you want to build a multi-account setup before it happens, Easy Pay Direct can help. A Certified Payment Specialist will review your business model, build a redundant architecture, and provide ongoing oversight of your processing health.
Frequently Asked Questions
What is a merchant account reserve hold?
Why did Dean Graziosi's prior processor impose the hold?
What does ongoing dedicated support from Easy Pay Direct look like?
