Backup Merchant Account

Protect your business from unexpected payment processing disruptions with a backup merchant account from Easy Pay Direct. Sign up now to ensure smooth transactions for your customers, even during emergencies.


US & Canada Merchant Accounts


2-5 Day Approval


24-48 Hour Funding


Guaranteed Lowest Rates*

  • US & Canada Merchant Accounts
  • 2-5 Day Approval
  • 24-48 Hour Funding
  • Guaranteed Lowest Rates*

Accept Backup Payments TODAY!


If your merchant account was shut down today and you could no longer accept credit cards,

how long could you keep the doors open?

If your merchant account was shut down today and you could. no longer accept credit cards, how long could you keep the doors open?

Everyday basic payment facilitators and companies like Stripe, PayPal, Square, Shopify, etc. Shut down thousands of accounts.

It’s not a matter of IF you’ll get shut down, but WHEN…

If your provider held your money for 90 days would you survive?

If they placed a 10% hold on your account, could you make payroll?

It’s time to upgrade to Easy Pay Direct.

EPD understands the challenges of businesses like ours, it’s 100% worth working with them. They will tell you how to save and make more money plus prevent shutdowns so everything runs smoothly.

Hal Elrod

Hal Elrod

Before Easy Pay Direct we had a $750k launch and $156k of that money was held. EPD has been super helpful in a bunch of different areas that none of our other processors provided. Highly recommend them.

Roland Frasier

Roland Frasier

I am a very happy client of Easy Pay Direct, working with them was very professional. Everybody was in touch with my team every step of the way and I am very happy to recommend them to everyone.

Frank Kern

Frank Kern

What Other Features Does Easy Pay Direct Offer?

  • PTransaction Routing

    Automatically route transactions across multiple merchant accounts. If one ever goes down, your others are still processing.

  • PWhite Glove Service

    You’ll have 1 point of contact that is available when you need them. No more chat-bots, no more phone trees. 

  • PDecline Recovery

    Most businesses don’t realize how much their decline % lowers revenue. We will help you keep approval rates high.

  • PChargeback Mitigation

    Stop chargebacks before they begin with our anti-chargeback tech.

  • PHosted Checkout

    Add payment buttons and invoicing to any of your website pages.

  • PRecurring Billing

    Built in recurring billing for subscriptions and multiple payment options.

  • PMobile Payments

    Accept and send payments with our easy to use mobile dashboard.

  • P250+ Shopping Cart Integrations

    Integrate to almost any shopping cart in the world, we can set this up for you!

  • PBanking For Every Vertical

    We have personal relationships with banks across the USA & Canada to get your accounts approved.

  • PUnlimited High Ticket

    Process high ticket transactions regularly without issue



A merchant account is a specific type of bank account that allows merchants to accept payments. Typically, a merchant account is used for credit card processing and eCheck processing but can be used for a variety of payment processing needs. A “backup merchant account” provides a plan B for merchants who want to ensure the stability of their payment processing. The idea behind a “backup merchant account” is that if you experience an issue with your primary merchant account (such as a hold, freeze, or closing) then you already have another one up and ready to take its place. However, it is not as simple as it sounds. Having a “backup merchant account” does not make sense because it serves no purpose if it is not active except providing a false sense of security. This is why a “backup merchant account” alone is not enough. What you need is an additional merchant account that processes half of your sales volume.



There are multiple reasons why a “backup merchant account” is not enough to protect your payment processing. Perhaps the most important reason is that it serves no purpose if you are not using it. Lot’s of merchants are lulled into a false sense of security once they have a second merchant account. They think that they are covered until they have an issue with their merchant account and decide to shift all of their sales volume to an empty, non-active, “backup merchant account”. This sounds good in discussion but in practice is a terrible idea. When a merchant account provider sees an inactive merchant account become active and go from 0 dollars in sales to $100k in an instant, this appears as fraud to them. When this happens it is VERY likely that the merchant account provider will hold money, freeze the account or shut it down all together. Just like that, the purpose of a “backup merchant account” is defeated. This is why it is crucial to use an additional, active merchant account and distribute your payments across multiple merchant accounts.



The second reason why a “backup merchant account” is not enough is that if you’re not using the right merchant account provider then it can all be for nothing. If your merchant account provider does not take the time to underwrite you so they understand who you are and your business model then everything you do comes as a surprise to them. Many merchant account providers don’t underwrite and instead take an “approve now, ask questions later” approach. This forces them to be very reactive to anything they perceive as risky so if you have a high risk business, have an increase in chargebacks/disputes or have a spike in volume for a merchant account then their only course of action is to hold money, freeze accounts, or shut them down. As you can see having an additional merchant account with the wrong provider serves no purpose. The right merchant account provider would take everything from underwriting into account before reacting in such a way. The good news is that there are strategies to help ensure that you are working with the right merchant account provider and to keep your additional merchant account active.




In the event that a merchant’s account runs into a problem forcing the merchant to pivot to their additional merchant account, that account must be active to avoid raising flags. In order to do this a merchant needs a service like the East Pay Direct gateway which uses a process we call “transaction routing”. The EPD gateway allows multiple merchant accounts to be loaded into it and automatically distributes your sales volume evenly across them. This way, if one goes down then you already have active merchant accounts running and ready to take its place.


Working with only one merchant account provider results in one single point of failure for your payment processing. If all of your merchant accounts are with one provider and they change their policy then all of your merchant accounts are affected. This is why it is crucial to get merchant accounts from different merchant account providers that also underwrite. At Easy Pay Direct we do this for our clients by leveraging our relationships with merchant account providers and supplying clients with multiple underwritten merchant accounts from different providers.



If you are in a high risk industry or are processing over $250k in volume a year, an additional merchant account is necessary for you as the stakes are much greater. The more time spent without one is more time your payment processing is at risk. However, an additional merchant account is good practice for any business as the risk of having one point of failure for your payment processing is still prevalent.



The first step on your path to an additional merchant account is starting the Easy Pay Direct application or if you would rather chat with someone to find out more, call us at (800) 805-4949*. We can get you set up in as little as 2 DAYS!

*Hint: This is easier cause we can fill out your application for you!

Why Easy Pay Direct?

We pride ourselves on making your life easier and facilitating the growth of business across the globe. We have been doing this successfully for years and have helped countless businesses achieve their full potential, just check out some of our testimonials. More importantly, Easy Pay Direct would love to play it’s part in helping you achieve your goals and service your consumers smoothly. if you’re interested in working with us, you can start your EMAP  application below or call us at: (800) 805-4949 | Get Set-up with a Merchant Account »

Backup Merchant Account FAQs

What is a backup merchant account?

A backup merchant account is a secondary merchant account that a business can use as a backup in case their primary merchant account becomes unavailable or is terminated.

Why would a business need a backup merchant account?

There are several reasons why a business may need a backup merchant account:

  • If a business experiences a high volume of chargebacks or disputes, their primary merchant account may be suspended or terminated. In this case, having a backup merchant account can help the business continue to accept credit card payments until the issue is resolved.
  • If a business’s primary merchant account provider experiences technical issues or an outage, a backup merchant account can provide a backup payment processing solution.
  • If a business is expanding into a new market or country, a backup merchant account can provide a backup payment processing solution while the business is in the process of setting up a local merchant account

How do I set up a backup merchant account?

To set up a backup merchant account, you will need to apply with a merchant account provider and provide documentation about your business, such as your business license and credit history. The provider will review your application and determine whether to approve you for an account.

Are there any additional fees associated with a backup merchant account?

There may be additional fees associated with a backup merchant account, such as higher processing fees or a higher monthly account fee. It’s important to carefully review the terms and fees of any merchant account before signing up.

Can I use a regular merchant account as a backup account?

Technically, you can use a regular merchant account as a backup account. However, it’s a good idea to have a dedicated backup merchant account specifically for this purpose, as it will be easier to activate and deactivate as needed.








Merchant Accounts FAQ

If you want to know more about payments, pricing, or solutions to problems you are experiencing, we are always ready to help you.

What industries does Easy Pay Direct work with?

Easy Pay Direct specializes in high risk payment processing but we also work with mid risk and low risk companies.

Here is a short list of some business verticals we service:

  • Antiques & Collectibles
  • Apparel & Clothing
  • Bad Credit
  • Bus Lines
  • Cannabis Support Businesses
  • Caterers
  • CBD Oil & CBD Products
  • Continuity Products and Subscription Boxes
  • Credit Repair
  • Credit Monitoring
  • Debt Collection
  • Digital Streaming
  • Document Preparation
  • Fantasy Sports
  • Firearms & Ammunition
  • Furniture & Home Furnishings
  • Health & Beauty
  • Hotels & Lodging
  • Insurance / Warranty
  • Legal Services
  • Magazine Subscriptions
  • Medical Billing & Coding
  • Medical Supplies
  • Membership & Recurring Billing
  • MLM Companies
  • Transportation & Moving
  • Non-Profit
  • Nutraceuticals
  • Pawnbrokers & Pawn Shops
  • Pet Products
  • Precious Metals
  • Property Management
  • SaaS Companies
  • Seminars & Coaching
  • SEO / SEM / Ad Agency
  • Smoking Accessories
  • Sports Betting
  • Survivalist & Tactical Gear
  • Telemedicine
  • Tobacco & Cigar
  • Travel & Timeshare
  • Vape / e-Cig / eJuice
  • Veterinarians
  • Web Design & Development

Why is my business considered high risk?

“High Risk” is a banking industry term. It’s important to note that there are many business models that are seemingly low risk, but fall into the high risk category.

There is nothing wrong with being considered high risk and there are many factors that contribute to risk.

When a consumer buys an item with a credit card, they are given 6 months from the date of receiving the item to dispute the charge.

If your business is no longer operating, who do you think has to refund that money? The processor. This is where risk is created.

Certain businesses, marketing models, and industries have a higher rate of chargebacks, where they get labeled as high risk.

Even if your business is perfect, has never had a chargeback, and operates 100% “by the books”, you could be labeled high risk if you’re business or industry falls into a high risk category.

There are 3 main reasons a business can be considered high risk.

  1. The business has a greater chance of chargebacks occurring
  2. The business model may be new or legally regulated
  3. The business accepts a high number of card not present transactions (over the phone, email, eCommerce)

Do you provide merchant account services outside of the USA?

At this time Easy Pay Direct offers merchant account services for the USA and Canada. We are always working to expand our areas of processing and hope to serve a greater area in the near future.

Can my startup or new business be approved?

We have worked with many new brands and start-ups to get them approved and running. However, banks like to see a long history of transactions and an established history with a merchant before approving them.

But, that does not mean we can’t get you approved. Reach out to us today and we will walk you through your options.

How long does it take to get approved for a merchant account?

Once all of the necessary documents have been received, it typically takes 1-4 days to get approved.

Occasionally accounts can be approved in less than 24 hours, our team will work as quickly as possible to get your account up and running.