Credit Card Processing For Small Business

Easy Pay Direct offers secure and reliable credit card processing solutions for small businesses. Our tailored merchant account services feature advanced fraud prevention measures and easy-to-use payment processing tools.

Millions of merchant accounts were shut down last year by our competitors…

We have a solution so that you can worry less about payment issues, have stable merchant accounts, and make more money online.

Accept payments Today or read more below to find out why the top Entrepreneurs trust Easy Pay Direct in the USA.

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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.

Ask Our Clients, Partners, Or Anyone Selling Anything Online…

Grant Cardone

Grant Cardone 

Tony Robbins

Tony Robbins

Frank Kern

Frank Kern

Dean Grazioisi

Dean Graziosi

Amy Porterfield

Amy Porterfield

Perry Belcher

Perry Belcher

Roland Frasier

Roland Frasier

Ryan Deiss

Ryan Deiss

Wes Watson

Wes Watson

safe life defense

Safe Life Defense



Cole Godron


Merchant accounts for small businesses

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. To get a merchant account, one must submit an application with a merchant account provider.

These merchant account providers work with acquiring banks, such as Chase and Wells Fargo, to provide merchant accounts to businesses looking to process credit card payments.

There are multiple types of merchant accounts depending on how the bank categorizes the industry of the merchant. If the merchant account is used for card-not-present (CNP) or e-commerce transactions then it must be integrated with an online payment gateway. Otherwise, a physical terminal is required to capture payment information.


Easy Pay Direct works with all kinds of merchants, including, what the banks call, “high risk” merchants. These merchants happen to be in an industry that the banks label as high-risk, which means that they have a higher likelihood of chargebacksdisputes, and fraud. The most common reason for this is card, not present transactions, which presents a higher risk of fraud. These merchants can have a particularly hard time finding a high-risk merchant account because a lot of payment processors refuse to participate in high-risk processing. Even if these merchants find a “high-risk payment processor” they can still frequently deal with holds or freezes on their money and shut down merchant accounts. This is where Easy Pay Direct saves the day by finding them a high-risk merchant account provider that wants to work with their business and providing them with all the resources to meet their high-risk credit card processing needs.



Easy Pay Direct provides merchant accounts specifically tailored to a merchant’s industry. We do this by leveraging our banking relationships to apply for merchant accounts on your behalf. However, we do not just apply for any merchant account, we use providers who want to work with your business model and underwrite their merchants. This is important because it lays out all the cards on the table and ensures that a provider gets to know who you are and your business model before working with you. That way, they know what to expect moving forward. This strategy guarantees that we find a merchant account provider that wants to work with you, making the likelihood of holds, freezes and shut-downs, much less and providing a stable credit card processing.

Another benefit to this is you get to avoid the nightmare that applying for merchant accounts can cause. Not only do most merchant account providers do very little underwrite, but it can take many applications before you find a merchant account that is good for you. Each application that you send out hurts your chances of getting approved for the next because multiple applications make you look desperate to a provider that they perceive as high risk.



After we get you set up with your first merchant account, we recommend getting you an additional merchant account if you have over $250,000 in sales volume a year. This is to ensure stable payment processing. Even though Easy Pay Direct takes all the precautions to prevent you from experiencing a hold, freeze, or shutdown, we can never know how banks might act in the future. If they hire someone new or implement a new algorithm, your account could have action taken against it. In the event of this, if you have a second merchant account that is already up, and running and processing payments, you can pivot your revenue stream to this account and avoid holds, freezes, and shut-downs altogether.

Now, all of this may seem complicated and a lot of work, and it would be if you were doing this on your own. However, if you are working with Easy Pay Direct, we manage all of this for you, making your role in all of this very easyWe even assign you your very own Certified Payment Specialist (CPS), who will monitor your merchant accounts for you, giving you one point of contact for all of your merchant processing needs.



The first step on your path to a new 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 because we can fill out your application for you!

Choose the right Merchant Account for your business:


At Easy Pay Direct, your journey will begin with your application which we use to collect information about you and your business to match you with the right merchant account provider. From there you will be connected with your very own New Client Specialist (NCS) who will help you complete this application and will be your contact to answer all of your questions.

Once we have the necessary information and have assessed your business model, you will be classified as a Gold, Platinum, or Diamond merchant based on your unique payment processing needs. After this, you will be introduced to your Certified Payment Specialist (CPS) who will be your one point of contact for all of your payment processing needs. This ensures that when you call, you are talking to someone that you know and who knows you and your business. They will apply for merchant accounts on your behalf and help you set up your new merchant accounts and your online payment gateway.

After that, you will be ready to start accepting payments. Your CPS will monitor your accounts and keep in contact whenever you want to chat or if they need to alert you of something that requires your attention on top of annual merchant account reviews.

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 »

Credit Card Processing For Small Business FAQs

What is credit card processing for small businesses?

Credit card processing for small businesses is a service that allows small businesses to accept and process credit and debit card payments from customers. This allows customers to pay for goods or services using their preferred method of payment, which can improve the customer experience and increase the small business’s sales.

Why is credit card processing important for small businesses?

Credit card processing is important for small businesses because it allows them to easily and securely accept and process payments from customers. This can help to increase their sales and revenue, as customers are more likely to use their credit or debit card instead of cash. Additionally, credit card processing can also help to improve the customer experience by reducing wait times and making the payment process more convenient.

How do small businesses integrate credit card processing into their operations?

Small businesses typically integrate credit card processing into their operations by working with a payment processor that can provide them with the necessary technology and infrastructure to accept and process payments. This can include POS terminals, mobile payments, and online shopping carts. Additionally, some small businesses may choose to integrate payments into their existing business management software.

Are there any specific requirements for credit card processing for small businesses?

There are generally no specific requirements for credit card processing for small businesses. However, small businesses will typically need to have a merchant account and comply with the standard regulations and compliance requirements associated with accepting card payments. This can include having a privacy policy in place, and adhering to security standards such as PCI DSS.

How much do small businesses typically pay in fees for credit card processing?

The fees that small businesses pay for credit card processing can vary depending on the provider and the specific services offered. Typically, they will pay a percentage of the transaction amount, as well as a flat per transaction fee. Some providers may also charge additional fees, such as monthly or annual fees, or fees for additional services, such as recurring payments or chargebacks. It’s important for small businesses to compare the different rates and fees from different providers to find the best option for their budget and payment volume.








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 your 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 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.