Ecommerce credit card processing

Our eCommerce expertise is unrivaled, and we have the clients to prove it. Get chargeback mitigation, improve decline rates, recurring billing, and more with Easy Pay Direct.

Our tailored solutions work for almost any product and we will get you approved. Worry less about payment processing, and focus more on scaling your business.

credit cards processing for ecommerce - us& canada merchant accounts

US & Canada Merchant Accounts

credit cards processing for ecommerce - chargeback mitigation

Chargeback Mitigation

credit cards processing for ecommerce - 24-48 hour funding title=

24-48 Hour Funding

credit cards processing for ecommerce - reduce decline rates

Reduce Decline Rates

  • US & Canada Merchant Accounts
  • Chargeback Mitigation
  • 24-48 Hour Funding
  • Reduce Decline Rates

Accept Payments Today


eCommerce payment processing and merchant accounts built to help you scale

As an eCommerce brand, you need a merchant account that is truly reliable.

With Easy Pay Direct you can stop worrying about account holds, reserves, frozen funds, or worse… Total account shutdowns.

We specialize in eCommerce merchant accounts and will get you set up with the best account for your needs.

Get high-tech tools like transaction routing, chargeback mitigation, decline recovery and much more, so you can scale your business faster without issue.


If your Ecommerce 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 eCommerce Payment Processing 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+ 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

eCommerce Credit Card Processing Information


Ecommerce credit card processing is the soul of an online business.

If your business accepts online payments from credit and debit cards, you are an eCommerce site. Without the ability to accept credit and debit cards, an online business has little chance to succeed.



An eCommerce transaction is virtually any online transaction made with a credit card.

These are called Card Not Present, or CNP transactions, since the card is not physically present.



An ECOM transaction is the same as an eCommerce transaction.

ECOM refers to Electronic Commerce Online Marketing or eCommerce Online Marketing. It applies to credit and debit cards.



The Payment Card Industry Data Security Standard applies to all payment processing entities and all businesses and services accepting credit cards.

The major credit card companies created PCI to mitigate fraud.

In e-commerce, credit card payments must stay compliant. That means merchants must take specific measures to keep all cardholder data safe by concentrating on network security.



Once the merchant has established a payment gateway or online version of a Point of Sale (POS) terminal, eCommerce payment processing can start. The payment gateway connects the online retailer to the payment processor and sends the transaction request.

The payment processor processes and executes the payment. Funds leave the customer’s account and get deposited into the merchant account.

An eCommerce merchant account is not absolutely necessary. However, eCommerce businesses benefit from the enhanced security of merchant account providers.

If your business has a brick-and-mortar component, your eCommerce merchant account provider can also provide you with POS capability.



Your merchant account provider should give your business access to eCommerce payment processing that includes more than just payment processing.

You should be able to accept echecks or ACH transactions, as well as Apple Pay and other common payment options.

Keep in mind that many common payment processors, such as PayPal, do not work with high-risk businesses. Your processing service should accept international payments.

Even if the bulk of your business is domestic, not having the ability to accept international payments can hamper your sales.



Credit card companies charge payment processing fees for each ecommerce transaction.

Banks issuing the cards receive these fees. They average 1.81% for a credit card and 0.3% for a debit card.

Fees also vary by card type. A high-end reward card will charge a higher fee than a standard, no-rewards card.

Expect to pay one-time fees to set up your eCommerce merchant account. Besides the setup fees, these involve address verification and compliance fees.



Incidental fees may include:

    • Annual fees
    • IRS report fee
    • Monthly minimum fee
    • Statement fee

Read the contract carefully. You may prove subject to an early termination fee.

Some fees are fixed and non-negotiable. These include interchange fees.

Others will vary depending on the volume of business and the type of payment processing. For instance, an in-store, POS transaction carries the least amount of risk. It also carries the lowest fee.

Merchant account providers categorize ecommerce transactions as risky, and fees reflect that.



Choosing the right merchant account provider and credit card processing service is among the most crucial decisions you’ll make for your business.

When searching for payment processing services, make sure the payment gateway provides:

    • Transparent fee structure – Fees will vary according to the payment processing company. Just make sure you understand the pricing structure. Some merchant account providers make the fee structure so complicated that even experienced business owners have difficulty understanding the basic pricing model.
    • Low risk vs. high risk – A high-risk merchant will pay more for an eCommerce merchant account than a low-risk merchant. Factors determining low vs. high risk include the number of chargebacks and the opportunity for fraud.
    • Strong customer support – If there’s an issue, you want a credit card processing company that responds quickly and resolves the problem.
    • Ease of use – You want to run your online credit card processing transactions as simply as possible. A simple, intuitive commerce credit card processor makes life easier all around.

Shop around to find the best merchant account provider and credit card processing company for your needs.

Compare not only commerce credit card processing prices and fees, but the type of merchant services provided.



Through our Easy Pay Direct payment gateway, online businesses can accept credit and debit cards.

Along with eCommerce credit card processing, we allow merchant accounts to offer other payment options, including echecks and online payments.

Our product is compatible with most online shopping carts and we work with dozens of banks worldwide.

Our name says it all.

There is no easier way for online high-risk merchants to thrive in the eCommerce universe than by using our simple, intuitive platform. We go above and beyond the already stringent compliance demands, so your information is secure.

Over 60,000 businesses trust us for their ecommerce credit card processing.

For more information, please contact us at 800.805.4949.

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 »

Ecommerce Credit Card Processing FAQs

How does ecommerce credit card processing work?

Ecommerce credit card processing works by allowing customers to make purchases on an ecommerce website using their credit or debit card. When a customer makes a purchase, their credit card information is transmitted to the merchant’s ecommerce platform, which then sends the information to the merchant’s payment gateway. The payment gateway then forwards the information to the customer’s credit card issuer for authorization. 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 ecommerce credit card processing?

There may be additional fees associated with ecommerce 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 eCommerce merchant account before signing up to ensure that you fully understand the costs involved.

What are the main benefits of ecommerce credit card processing?

The main benefits of ecommerce credit card processing include the ability to accept payments from customers 24/7, the ability to reach a wider customer base, and increased sales and revenue.

Is it difficult to set up ecommerce credit card processing for my website?

Setting up ecommerce credit card processing for a website can be more complex than setting it up for a brick-and-mortar business. But, there are many ecommerce platform providers (such as Shopify, Magento, and BigCommerce) that offer built-in solutions for accepting credit card payments on a website, so you can also integrate a third-party payment gateway like Stripe, PayPal and into your website.

What types of security measures are used in ecommerce credit card processing?

Ecommerce credit card processing typically uses several types of security measures to protect sensitive customer information, such as SSL encryption to protect data transmitted over the internet, PCI compliance to secure data stored on the merchant’s server, and fraud detection and prevention tools to reduce the risk of fraudulent transactions.








Merchant Account 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.