A Merchant Account With Real Underwriting, Fair Rates,
and a Human on Your File

How is Easy Pay Direct different from aggregator payments?

Aggregators put you inside a shared master account with automated risk systems and no upfront underwriting. Easy Pay Direct places you on a dedicated merchant account issued in your business name, underwritten by a real human, with a dedicated account rep on the phone. You keep your own risk profile, so one flagged competitor in your vertical does not put your account at risk.

My current processor put a hold on my funds. Can Easy Pay Direct help?

Yes. We regularly underwrite businesses that were paused or held by aggregator payments. Because we underwrite up front and know your business model before you go live, we can set you up on a dedicated merchant account without the surprises that come from post-signup review.

How long does approval take?

Most businesses are approved in 1 to 4 business days on clean files. Approval timing depends mostly on how quickly you return requested documents.

What documents do I need to apply?

For most merchant accounts you need a voided check or bank letter, a government-issued ID for the signer, articles of incorporation if applicable, your website URL, your refund and cancellation policy, and if you have prior processing, 3 months of processing statements.

What are your rates?

Interchange-plus pricing, sized to your volume and average ticket. No setup fees, no early termination fees. Your rate is transparent on your statement and does not silently increase without a conversation with your account rep. See /online-gateway/rates/ for the full breakdown.

What integrations do you support?

Direct integrations with ClickFunnels, GoHighLevel, WooCommerce, Shopify, Kajabi, and most major shopping carts. A full API for custom builds. 500+ integrations total. See /online-gateway/shopping-carts/.

What if I have chargebacks from my previous processor?

Easy Pay Direct underwrites businesses with prior chargebacks case by case. Bring your last 3 months of processing statements to the application so the underwriter can size your account correctly. We also include built-in chargeback alerts and mitigation workflows so you can respond to disputes before they hit your ratio.

Do you handle high-ticket ($2K+) transactions?

Yes. High-ticket coaching, courses, subscriptions, services, and physical goods are core verticals. We size your merchant account to your average ticket and expected monthly volume, so big sales do not trigger automated risk freezes.

What is Transaction Routing?

Transaction Routing is our patent-pending technology that distributes your transactions across multiple dedicated merchant accounts automatically. Each account has a dollar-volume limit. When one limit is reached, the gateway routes the next transaction to the next account in your rotation. If one account is paused, revenue keeps flowing through the others. See /merchant-accounts/online-merchant-account/#transaction-routing-explained.

Do you handle recurring billing and payment plans?

Yes. Native support for monthly memberships, multi-pay plans (3-pay, 6-pay, 12-pay), and tokenized recurring billing. Built-in decline salvage retries failed charges automatically.