Merchant Account Industries For Nearly Every Vertical

What industries does Easy Pay Direct support?

Easy Pay Direct underwrites dedicated merchant accounts across 47+ industries, organized into five categories: mainstream and SMB (small business, retail, ecommerce, restaurants, wholesale), high-risk (cannabis, CBD, nutraceutical, gaming, firearms, adult, continuity/subscription, tobacco, kratom, MLM, high-volume/high-ticket), vertical SaaS and digital (SaaS, large digital goods, business coaching, Go High Level, credit repair, bad credit, instant approval, property management, Shopify integrations), healthcare and care (healthcare, telemedicine, dental, churches), and geographic/specialty (Canadian, UK, EU, travel, tech support, collection agencies, nonprofits, enterprise, MOTO). Over 13+ years we've placed 100,000+ businesses across these categories with $12B+ processed and 500+ integrations.

What is a high-risk merchant account and how is it different from a standard one?

A high-risk merchant account is a dedicated MID underwritten by banking partners that have made a deliberate decision to support verticals where chargebacks, regulatory complexity, or product category create elevated underwriting risk. Standard merchant accounts (and most payment facilitators) decline or freeze these verticals. A high-risk merchant account at Easy Pay Direct is a dedicated MID, not a shared PayFac pool, with real human underwriting, chargeback monitoring, and a banking partner that has already approved your category, cannabis, CBD, nutraceutical, gaming, firearms, adult, subscription/continuity, MLM, kratom, tobacco, and similar.

Does Easy Pay Direct work with cannabis, CBD, nutraceutical, or peptide businesses?

Yes. We maintain dedicated banking relationships for state-legal cannabis (dispensaries, MSOs, cannabis brands), CBD (full-spectrum and hemp-derived), nutraceutical (supplements, functional health products), and adjacent verticals. Each is placed on a separate banking partner that has compliance-first underwriting for that specific category, they are not interchangeable. Application turnaround on a complete file is typically 1-4 business days.

How fast can I get approved?

Most clean files are underwritten and approved in 1-4 business days. Higher-risk verticals (cannabis, CBD, gaming, firearms, adult, continuity/subscription) take longer because banking partners require additional documentation. Submitting a complete application, clear business description, processing volume, average ticket, prior processing statements if applicable, and any required licensing, is the single biggest factor in speed.

Do you offer instant approval merchant accounts?

For low-risk SMB profiles with clean processing history, instant or same-day approval is possible, see our instant approval merchant account page. For mid-risk and high-risk verticals, approval is typically 1-4 business days because real human underwriting is required. Easy Pay Direct does not auto-approve and then terminate weeks later, every approval comes from a banking partner that has reviewed and accepted the file.

Can I get a merchant account with bad credit?

Yes. Easy Pay Direct works with banking partners who underwrite businesses where the principal has personal credit challenges. Approval depends on the overall picture, business type, processing history, monthly volume, average ticket, time in business, not just a credit score. See our bad credit merchant account page for the full breakdown of what underwriters actually look for.

Do you work with Canadian, UK, or EU businesses?

Yes. We have dedicated pages and dedicated banking partners for Canadian merchant accounts, UK merchant accounts, and EU merchant accounts. Cross-border processing requires the right banking domicile for your business, placing a UK business on a US-only banking partner does not work. Our underwriters route your file to the right region from day one.

What's the difference between a payment facilitator and a dedicated merchant account?

A payment facilitator pools many merchants under one master MID, quick to set up, but the PayFac can freeze or terminate your account at any time without warning, and your funds are not yours until they release them. A dedicated merchant account at Easy Pay Direct is a MID issued specifically to your business by a banking partner that has reviewed and approved your file. You own the relationship. Funds are yours. Termination requires real cause, not a risk-score algorithm. For any business processing meaningful volume, dedicated MIDs are the stable structure.

Do you integrate with the platform I use (Shopify, Go High Level, WooCommerce, etc.)?

Yes, Easy Pay Direct supports 500+ integrations including all major shopping carts, CRMs, subscription billing platforms, and dispensary point-of-sale systems. We have dedicated pages for the most common platforms (Shopify, Go High Level). For everything else, our team confirms the integration before underwriting so there are no surprises at go-live.

What if my industry isn't listed here?

If you don't see your vertical above, it doesn't mean we can't underwrite it, these 47+ are the categories with their own dedicated pages, but our underwriters work across the full spectrum of card-present and card-not-present businesses. Submit your business details and we'll route it to the right banking partner. The shorter answer: ask us.