A Stable Merchant Account for Businesses Ready to Leave
Stripe

How does Easy Pay Direct compare to Stripe?

Stripe is an aggregator. You get a sub-account inside their master MID 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 aggregator account was paused or my funds are being held. Can Easy Pay Direct help?

Yes. Easy Pay Direct regularly underwrites businesses that were paused or held by aggregators. 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 at Easy Pay Direct?

Most businesses are approved in 1 to 4 business days on clean files. Approval timing depends mostly on how quickly you return requested documents. Aggregators offer instant signup but do retroactive risk review, which is where surprise holds come from.

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.

Do you approve high-ticket ($2K+) offers?

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

What integrations do you support?

Direct integrations with ClickFunnels, GoHighLevel, WooCommerce, Shopify, Kajabi, and most major shopping carts, plus a full API for custom builds. See the full list of supported integrations.

What are your rates?

Interchange-plus pricing, sized to your volume and average ticket. No setup fees and no early termination fees. See our full rate breakdown.

What is multi-MID routing and why does it matter?

Multi-MID routing, our Transaction Routing technology, 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.

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.

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.