Credit Card Processing
EasyPayDirect offers credit card processing services for businesses, allowing them to accept payments through various channels. Learn about the benefits of using EasyPayDirect’s services and how to get started with their credit card processing solutions.
- US & Canada Merchant Accounts
- 2-5 Day Approval
- 24-48 Hour Funding
- Guaranteed Lowest Rates*
Accept Credit Card Payments TODAY!
The Fastest Safe Way To Accept Payments
Easy Pay Direct is the number 1 source for credit card processing and merchant accounts that work with your business vertical.
Worry less about frozen funds, reserves, and complete account shutdowns.
Get better payment processing so you can focus more on what matters… Your business.
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.
Easy Pay Direct has been amazing! Incredibly helpful and super simple to get set up and running. Highly recommended!
I have used easy pay direct for years. They are great. You need someone you can trust to navigate payment processing and they know the space well.
Easy Pay Direct is without a doubt one of the best payment processing solutions for those with higher risk businesses. Can’t recommend them enough.
What Other Features Does Easy Pay Direct Offer?
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.
Most businesses don’t realize how much their decline % lowers revenue. We will help you keep approval rates high.
Stop chargebacks before they begin with our anti-chargeback tech.
Add payment buttons and invoicing to any of your website pages.
Built in recurring billing for subscriptions and multiple payment options.
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
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Credit Card Processing: A Quick Overview
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 ecommerce transactions then it must be integrated with an online payment gateway. Otherwise, a physical terminal is required to capture payment information.
Who Easy Pay Direct Works With
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 chargebacks, disputes 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.
What Easy Pay Direct Provides: Merchant Accounts
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 be. Not only do most merchant account providers do very little underwriting, 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 which they perceive as high risk.
AFTER YOUR MERCHANT ACCOUNT IS SET UP
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, running and processing payments, you can pivot your revenue stream to this account and avoid holds, freezes, and shut downs all together.
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 easy. We 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.
How To Get A Merchant Account
HOW TO GET A MERCHANT ACCOUNT
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 cause we can fill out your application for you!
Choose the right Merchant Account for your business:
THE EASY PAY DIRECT CLIENT EXPERIENCE
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 FAQs
How does credit card processing work?
When a customer makes a purchase using a credit card, the merchant’s credit card terminal or point-of-sale (POS) system communicates with the credit card network (such as Visa or Mastercard) to verify the customer’s information and authorize the transaction. Once the transaction is authorized, the funds are transferred from the customer’s credit card account to the merchant’s bank account.
Are there any additional fees associated with credit card processing?
There may be additional fees associated with credit card processing, such as a percentage of each transaction, a flat fee per transaction, or a monthly account fee. It’s important to carefully review the terms and fees of any merchant account before signing up to ensure that you fully understand the costs involved.
Can small businesses accept credit card payments?
Yes, small businesses can accept credit card payments by setting up a merchant account with a credit card processor. Many merchant account providers offer credit card processing services specifically for small businesses.
Are there any risks to accepting credit card payments?
There are a few risks associated with accepting credit card payments, such as the risk of chargebacks and fraud. However, most merchant account providers offer fraud protection and dispute resolution services to help mitigate these risks.
Can I use a mobile device to process credit card payments?
Yes, it’s possible to use a mobile device, such as a smartphone or tablet, to process credit card payments. There are several mobile credit card processing solutions available, such as Square and PayPal Here, which allow merchants to process credit card payments using a mobile device and a card reader.
EASY PAY DIRECT STATS
YEARS OF EXPERIENCE
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
- 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
- Pawnbrokers & Pawn Shops
- Pet Products
- Precious Metals
- Property Management
- SaaS Companies
- Seminars & Coaching
- SEO / SEM / Ad Agency
- Smoking Accessories
- Sports Betting
- Survivalist & Tactical Gear
- Tobacco & Cigar
- Travel & Timeshare
- Vape / e-Cig / eJuice
- 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.
- The business has a greater chance of chargebacks occurring
- The business model may be new or legally regulated
- 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.
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