How Easy Pay Direct Averted Frank Kern's Payment Processing Crisis
Frank Kern received a 30-day notice from his prior merchant account provider. Easy Pay Direct had his first new account approved in 4 days and a second account approved 11 days later, both with better terms than his original setup.
About Frank Kern Inc.
Frank Kern is a well-known digital marketing strategist and product launch consultant. Frank Kern Inc. has processed payments through merchant accounts supporting digital product sales and consulting services for many years.
For years, Frank Kern Inc. processed all transactions through a single merchant account. The account operated without issues until the processor changed its policies regarding digital products and consulting businesses.
Frank Kern has processed with Easy Pay Direct since completing the EMAP application during a 30-day crisis window.
A 30-Day Deadline With a Single Point of Failure
Frank Kern received an email from his prior merchant account provider stating they would no longer support processing for digital products and consulting. Frank was given 30 days to find a new processing home or risk losing the ability to accept payments for his business.
Frank reached out to his existing account representative, who had been managing his account for years. The rep had no control over the policy change and had not set up any redundant accounts for Frank. The rep began searching for a new banking relationship, but the days passed without an approval.
Watching the clock tick, Frank reached out directly to Easy Pay Direct and submitted the EMAP application.
Dual-Account Strategy and Fast Underwriting
Fast approval with real underwriting, 1-4 business days on clean files.
Easy Pay Direct applied its multi-account strategy to Frank Kern Inc.'s business model. Rather than finding a single replacement account and hoping it held, the team worked simultaneously on two separate banking relationships.
The solution included:
- EMAP application submitted and reviewed by a human underwriter, not an automated risk-score system
- First merchant account approved in 4 days
- Second merchant account approved 11 days after the first
- Both accounts carried better terms than the original prior provider arrangement
- Dual-account architecture providing redundancy against any single point of failure going forward
Fast approval with real underwriting meant Frank Kern Inc. did not have to wait for automated systems to make a decision. A Certified Payment Specialist managed the application from submission through approval, keeping Frank informed at every step.
1-4 business days on clean files is the standard for Easy Pay Direct's approval process. Frank Kern's file qualified for fast approval, and the timeline reflected that.
What Easy Pay Direct Delivered
Frank Kern on Easy Pay Direct
Frank Kern
Digital Marketing Strategist
"Besides getting us a great rate, they really helped us get our money released after we did a launch and had a bunch of money held. They are always quick to respond, always keep us in the loop, and always shoot straight."
Frank Kern has processed with Easy Pay Direct since completing the EMAP application during a 30-day crisis window. Both new accounts carried better terms than his original single-account arrangement.
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.
Got a 30-Day Letter? Or Thinking Ahead?
Whether you have received a termination notice from your current processor or you want to build redundancy before you need it, Easy Pay Direct can help. A Certified Payment Specialist will review your business model, apply on your behalf across multiple banking relationships, and have you approved in 1-4 business days on clean files.
Frequently Asked Questions
What should I do if I receive a termination notice from my merchant account provider?
Why did Frank Kern's prior processor terminate his account?
What is the EMAP application process?
