More than a gateway. A complete payment solution.

The Easy Pay Direct gateway is the bridge between your business and the banks. It securely processes transactions, routes payments across multiple merchant accounts, and protects you with fraud prevention, decline salvage, and chargeback mitigation built in. A dedicated Merchant Success Team handles setup, security, and ongoing optimization so you can focus on growing your business.

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Core gateway features

Built into every Easy Pay Direct gateway account, with no extra integrations to wire up.

Transaction Routing

The patent-pending Easy Pay Direct gateway automatically routes your volume across multiple merchant accounts. If one account ever has an issue, the others keep running.

Dual Pricing / Surcharging

Offset processing fees by offering a cash price and a credit card price. Card fees are clearly disclosed at checkout or on the receipt. Simple, compliant, and cost-saving.

Multi-Currency Support

Sell internationally and offer products in multiple currencies without disruption or added complexity.

Virtual Terminal

Process credit card transactions without a card reader. Perfect for orders taken over the phone, by email, by mail, or on the go.

EPD Secure Fraud Prevention

Stop costly fraud with advanced controls: block users by IP, card, email, or location; limit transaction attempts; set custom bans; and flag risky activity for manual review.

Recurring Billing

Set up and manage recurring payments with automatic retries on failed charges, all within the gateway.

eCheck

Convert checking-account information into debit payments that clear in 24 to 48 hours, just like credit card transactions.

Hosted Checkout Pages

Launch a fully hosted, customizable checkout page in minutes. No coding needed. Add products, share links or QR codes, and accept payments seamlessly.

Customer Vault

Securely store tokenized credit card and eCheck data in our Level 1 PCI-certified vault. Reduce fraud, protect sensitive information, and offload PCI compliance to Easy Pay Direct.

Additional services

Easy Pay Direct offers a suite of built-in and add-on features designed to boost security, reduce risk, and optimize performance. Some advanced services are available at an additional cost and may require integration, but a Certified Payment Specialist will guide you through setup so everything runs smoothly.

Add-on services

Chargeback Mitigation with Verifi

Get early dispute alerts to resolve issues before they become chargebacks. Protect revenue, reduce losses, and keep customers happy.

Kount Fraud Manager

Stop fraud before approval with real-time filters and insights, built for high-risk and high-volume merchants.

Customer Token Vault

Replace card data with secure network tokens to reduce fraud, boost approvals, and streamline recurring payments.

Mobile Payments with iProcess

Turn any phone or tablet into a secure checkout with the iProcess app for Apple or Android.

Payer Authentication 2.0

Boost security and customer trust with 3D Secure for ecommerce. Fully compatible with Gateway.js, Collect.js, and Collect Checkout.

Invoicing

Send detailed PDF invoices directly to your customer's inbox. Get paid in just a few clicks.

ACH Payments

Secure, on-demand bank-to-bank transfers. Offer ACH from the Virtual Terminal, your shopping cart, an order page, a payment button, or through invoicing.

Authvia TXT2PAY

Send secure payment requests by text. Customers pay instantly with a simple approval code. Fast, simple, and PCI-compliant.

Bill Connect

Sync your gateway with Biller Genie to automate payment updates across QuickBooks (Online and Desktop), Xero, and more.

Level III Advantage

Lower interchange rates by up to 0.75% with Level 3 processing. Send detailed transaction data to boost security, cut costs, and increase approvals. Ideal for B2B and high-ticket sales.

Automatic Card Updater

Automatically update expiring credit cards to reduce declines and ensure uninterrupted payments on recurring billing.

Encrypted Devices

Secure every transaction with encrypted payments via Swipe POS, Customer-Present Cloud, or your custom app.

Gateway features FAQ

What is a payment gateway, exactly?

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Do I need an Easy Pay Direct merchant account to use the gateway?

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How does transaction routing across multiple merchant accounts work?

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Is dual pricing or surcharging legal in my state?

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What is EPD Secure?

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What is the Customer Vault and how is it different from the Customer Token Vault?

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What is Level III processing and who benefits from it?

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How fast can I get set up on the Easy Pay Direct gateway?

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Ready for a gateway built for businesses doing real volume?

Tell us how your business processes today and a Certified Payment Specialist will walk you through which gateway features fit, what's built in, and what to add on.

Get started with Easy Pay Direct