What is the Easy Pay Direct Gateway and What Features Does it Offer?

The Easy Pay Direct Gateway is a full-featured payment gateway that allows merchants to securely process, manage, and optimize credit card and ACH transactions across multiple processors from a single platform. It’s designed for scalability, flexibility, and account stability, especially for high-risk and high-volume businesses.

The Easy Pay Direct Gateway acts as the connection between your website, payment processors, and banks, while also providing advanced tools for transaction management, reporting, fraud prevention, and routing.

Core Features of the Easy Pay Direct Gateway

Smart Transaction Routing & Account Stability

  • Patent-pending transaction routing that automatically distributes volume across multiple merchant accounts

  • Built-in redundancy so processing continues even if one account has an issue

  • Designed to prevent downtime and reduce shutdown risk

Pricing Flexibility & Cost Reduction

  • Dual Pricing / Surcharging

    • Offer separate cash and credit prices

    • Card fees clearly disclosed at checkout or on receipts

    • Simple, compliant, and designed to offset processing costs

  • Level III Advantage

    • Lower interchange rates by up to 0.75%

    • Ideal for B2B, high-ticket, and commercial transactions

    • Improves approvals and reduces processing costs

Global & Multi-Currency Payments

  • Multi-currency support for international selling

  • Accept payments in multiple currencies without operational complexity

Payment Acceptance & Checkout Options

  • Virtual Terminal for phone, mail, email, and on-the-go orders

  • Hosted Checkout Pages (no-code, customizable, shareable via links or QR codes)

  • Mobile payments with iProcess (iOS & Android)

  • Encrypted devices via Swipe POS, Customer-Present Cloud, or custom apps

  • Authvia TXT2PAY® — send secure payment requests by text

ACH & eCheck Payments

  • ACH Payments via virtual terminal, checkout pages, payment buttons, invoices, or carts

  • eCheck processing that converts bank info into debit payments clearing in 24–48 hours

Recurring Billing & Customer Management

  • Recurring billing with automated retries for failed payments

  • Automatic Card Updater to reduce declines from expired cards

  • Customer Vault with tokenized card and eCheck storage

  • Customer Token Vault using network tokens to improve security, approvals, and recurring success

Advanced Fraud Prevention & Security

  • EPD Secure Fraud Prevention

    • Block transactions by IP, card, email, or location

    • Limit transaction attempts

    • Create custom bans and manual review flags

  • Kount Fraud Manager for real-time fraud detection

  • Payer Authentication 2.0 (3D Secure) for eCommerce

    • Compatible with Gateway.js, Collect.js, and Collect Checkout

Chargeback Mitigation & Revenue Protection

  • Verifi Chargeback Mitigation

    • Early dispute alerts to resolve issues before chargebacks occur

    • Reduce losses, protect revenue, and improve customer outcomes

Invoicing, Accounting & Automation

  • Invoicing with branded PDF invoices sent directly to customers

  • Bill Connect (Biller Genie integration)

    • Sync payments with QuickBooks (Online & Desktop), Xero, and more

  • Full reporting and reconciliation support

Developer & Integration Tools

  • API access and gateway integrations

  • Secure tokenization and PCI Level 1 compliance

  • Easy testing and sandbox environments

How Does the EPD Gateway Work with Merchant Accounts?

The Easy Pay Direct Gateway sits in front of one or more Merchant Accounts and manages the secure transmission of transactions to the connected processors. It allows merchants to manage payment workflows, fraud tools, recurring billing, and reporting from a single gateway interface.

When enabled and approved, Transaction Routing can distribute transactions across multiple merchant accounts according to predefined rules. This structure is often used to support redundancy, volume management, and operational continuity, while underwriting decisions and account terms remain governed by the banks.

What Platforms Does the Easy Pay Direct Gateway Integrate With?

The Easy Pay Direct Gateway supports integration with a wide range of ecommerce platforms, shopping carts, SaaS applications, and custom-built systems. It is designed to be platform-agnostic, allowing businesses to connect payments across different environments without being locked into a single provider.

The gateway is built on the NMI framework, which enables compatibility with any platform or shopping cart that supports NMI-based integrations. In addition, Easy Pay Direct supports direct integrations with many commonly used platforms and business tools.

Commonly supported platforms include:

  • Shopify

  • SamCart

  • ClickFunnels

  • GoHighLevel

  • WooCommerce

  • Salesforce

  • WordPress

  • Wix

This is not an exhaustive list. Many businesses operate on custom websites, proprietary software, or niche platforms, and integration options are typically available through API-based connections, hosted checkout tools, or gateway-supported workflows.

The gateway can be integrated into web and mobile environments and supports global processing and currency conversion, subject to merchant account approvals. Merchants may connect existing merchant accounts or work with Easy Pay Direct to coordinate account setup and integration, depending on their needs.

Compatibility and integration approach depend on the platform, transaction type, and processing structure, and are evaluated on a case-by-case basis.

Can Easy Pay Direct Help with Gateway Setup and Integration?

Yes. Easy Pay Direct provides guidance and support throughout the gateway setup and integration process. Our team works with you to determine the appropriate integration approach based on your platform, transaction type, and processing structure.

Support may include assistance with gateway configuration, API or hosted checkout setup, coordination with connected Merchant Accounts, and configuration of tools such as fraud controls, recurring billing, and reporting. For businesses migrating from another gateway or processor, Easy Pay Direct can help plan a phased transition designed to minimize disruption, subject to platform and bank requirements.

While Easy Pay Direct does not control underwriting, approval decisions, or bank policies, we act as a technical and strategic guide to help ensure your gateway setup aligns with approved processing parameters and operational needs.

Can the EPD Gateway Run Alongside My Current Processor?

 In many cases, The Easy Pay Direct Gateway can operate alongside an existing processor or gateway as part of a phased transition or multi-processor strategy. Some businesses use this approach to add redundancy, introduce new payment methods, or prepare for future scaling.

The appropriate configuration depends on your current platform, billing model, and account structure. Any changes are typically planned to minimize disruption and maintain continuity, with final approvals remaining subject to bank and processor requirements.