Payment Methods & Acceptance Types
How do Credit and Debit Card Transactions Differ?
Credit card transactions draw funds from a customer’s credit line, while debit card transactions pull funds directly from the customer’s bank account. These differences affect authorization behavior, interchange rates, and settlement processes.
From a merchant perspective, both transaction types are processed through the Merchant Account, but they may carry different costs and dispute dynamics. Card type distinctions are governed by card network rules.
How Does ACH Processing Work?
ACH processing allows funds to be transferred directly between bank accounts through the Automated Clearing House network. ACH transactions are typically initiated through a gateway and settle on a different timeline than card payments.
ACH processing has its own rules, authorization requirements, and risk considerations. Availability and approval depend on the business model and banking relationships.
The Easy Pay Direct Gateway supports ACH payments, and we help you understand whether ACH may be an appropriate option for your business. ACH approval, processing requirements, and settlement timing are governed by banking partners and applicable network rules.
Can I Accept International and Multi-currency Payments?
In many cases, yes. You can often accept payments from customers in other countries and receive settlement in U.S. dollars, depending on your Merchant Account structure, your Gateway configuration, and what is approved through Underwriting.
International payments vs multi-currency payments
- International payments usually means you are accepting payments from customers located outside the U.S.
- Multi-currency payments usually means the customer pays in a non-U.S. currency, and the transaction is converted and settled according to your approved setup
Can I Accept Mobile Payments with Easy Pay Direct, and Which Mobile Payment Options are Supported?
Yes. Easy Pay Direct can support mobile payments, depending on your Merchant Account setup, Underwriting profile, and The Easy Pay Direct Gateway configuration.
Mobile payments typically include:
- Digital wallets: payments made with a mobile wallet (for example, Apple Pay or Google Pay) when your checkout method and integration support it
- Mobile-enabled card payments: card transactions accepted through supported mobile devices or applications, including mobile checkout links, invoices, or mobile-optimized online checkout
Even when a customer uses a mobile wallet, the transaction still routes through the Merchant Account and Gateway and follows the same compliance and risk requirements as other card transactions.
Easy Pay Direct also offers iProcess, an app for Apple and Android that can turn a phone or tablet into a secure checkout experience. Availability and supported features depend on your configuration and what is approved through Underwriting.
We help you understand which mobile payment options are supported for your setup and what is required to enable them.
How Does Buy Now Pay Later Affect Payment Processing?
Buy Now Pay Later (BNPL) lets customers split a purchase into installments through a third-party BNPL provider. From your perspective as the merchant, BNPL often settles as a single payment for the full purchase amount, while the BNPL provider manages the customer’s installment plan. Settlement timing, fees, and dispute handling can vary by BNPL program and the transaction flow.
BNPL is typically offered as an additional payment method at checkout, and it must be supported by your Gateway and aligned with your Merchant Account setup. BNPL eligibility, supported programs, and settlement terms are governed by the BNPL provider’s requirements and by the acquiring bank and processor’s policies, including what is approved during Underwriting.
Easy Pay Direct can support BNPL as a payment method when it is configured through The Easy Pay Direct Gateway and your Merchant Account structure supports the required transaction flow. We help you understand how BNPL fits into your overall payment setup, what configuration is required, and what approval considerations may apply. Final approval and program terms are determined by the BNPL provider, acquiring banks, processors, and applicable network rules.