Kratom credit card Processing

Struggling with Kratom merchant account issues like freezes, holds, or shutdowns? Get the fastest safe way to process payments with Easy Pay Direct.


Chargeback Mitigation


Stable Merchant Accounts


Reduce Decline Rates


Fraud Prevention

  • Chargeback Mitigation
  • Stable Merchant Accounts
  • Reduce Decline Rates
  • Fraud Prevention

Accept Kratom Payments TODAY!


Kratom payment processing and merchant accounts built to help you scale

As a Kratom merchant, you need payment processing that is truly reliable account.

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

We specialize in Kratom 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 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 Quick Overview On Kratom Credit Card Processing

Kratom is a natural supplement derived from the leaves of the Mitragyna Speciosa, an evergreen tree in Southeast Asia. The herb has been in use for centuries as an alternative to opium.

As a result, people are using it in the United States as an herbal alternative to pharmaceutical opioid addiction drugs and to counter panic attacks.

Additionally, Kratom is marketed as a mood-enhancing supplement. In small doses, it increases energy and provides an improved mood. In larger doses, it can have the opposite effect and can be used as a painkiller and sedative.

The FDA has not cleared Kratom, however, Kratom is not illegal.

This leaves distributors in the tough middle ground of high risk merchants. This allows merchants to market Kratom but makes it challenging to accept credit card payments for their products.

Despite these obstacles, Kratom sales have continued to increase each year, and sales are projected to top $22 billion by 2025.



At the moment, most Kratom businesses are still online vendors. However, Kratom is an herbal supplement that can be sold by any supplement business.

Until recently most merchants that sold Kratom were considered untouchable by credit card processors. As a result, businesses that did sell either hid their sales under false sales reports or conducted their business through offshore accounts.

This necessity has since passed and nutraceutical merchants can legally sell their products in the United States, albeit as high risk merchants.

With a growing number of merchants now selling Kratom, there is likewise a rise in the number of legitimate distributors. This legitimate growth will most likely lead to an increase in the quality of the product as large-scale production and distribution companies put their weight behind the product.



Kratom merchants are considered high risk because the supplement is not FDA-approved. This is considered a black mark and makes the future of the supplement uncertain.

Credit card processors try to avoid any product which leads to high levels of chargebacks and has the potential to see a shift in legality without warning.

The high chargeback rate is a result of the historic necessity for Kratom merchants to operate in an online setting. This resulted in the majority of transactions being of the card not present (CNP) variety.



In the past couple of years, nutraceutical businesses have stepped into a more reputable position. No longer are Kratom merchants relegated to the confines of online retail. As production and distribution have increased in quality and capacity, brick-and-mortar stores are finally able to sell the product.

To keep up with this, merchants are no longer required to conduct their transactions through offshore accounts.

The shift from offshore accounts to high risk accounts is a step in the right direction.

Having a reliable merchant account can ensure your business is not interrupted. A traditional merchant account helps make business more convenient for the merchant and the consumer.

In this business shift, it is important to make sure you choose a reputable merchant account provider to help protect you and your business.

The right merchant service can not only protect you but also allows you to focus your energies on the important matter of growing your business.



Easy Pay Direct offers peace of mind when choosing the right merchant account provider. We have made a name for ourselves working with high risk businesses and providing top-end services.

Having that experience allows us to cater what we offer to specific industries and help provide real solutions to the problems that often arise.

For high risk merchants, our first order of business is to connect you with the right merchant account provider. We have years of industry connections and experience to place each business with the provider to best suit their needs.

By utilizing the correct providers we can guarantee a lowered chance of holds, freezes, and shutdowns. This ensures a stable business and allows for merchant growth.

Easy Pay Direct also offers a single point of attack for your search. Instead of each business sending out multiple applications in the hopes of finding the right provider, we take your application and pair you with the right provider the first time.

What is a merchant account?

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 does Easy Pay Direct Work 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 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.

What does Easy Pay Direct provide?

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 stable credit card processing.

Another benefit to this are 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, and running and processing payments, you can pivot your revenue stream to this account and avoid holds, freezes, and shutdowns 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 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:

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 »

Kratom Credit Card Processing FAQs

What is Kratom credit card processing?

Kratom credit card processing refers to the ability for businesses that sell Kratom products to accept credit card payments from customers.

Why would a Kratom business need a specific credit card processor?

Due to the nature of the Kratom industry, businesses in this sector may be considered high-risk by traditional merchant service providers. Kratom credit card processors specifically work with businesses in this industry and may be more willing to provide merchant services.

Are there any restrictions on what types of Kratom products can be sold using a Kratom credit card processor?

Yes, there may be restrictions on what types of Kratom products can be sold using a Kratom credit card processor. These restrictions may vary depending on the merchant services provider, as well as the laws and regulations of the jurisdiction in which the business operates. It’s important to check with the credit card processor on their specific policies and restrictions.

Are there any additional fees associated with Kratom credit card processing?

There may be additional fees associated with a Kratom credit card processing, such as higher processing fees or a higher monthly account fee, to cover the additional risk associated with the industry. 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 a Kratom business use a regular merchant account for credit card processing?

Yes, a Kratom business can use a regular merchant account for credit card processing, but it may be considered high-risk by traditional merchant account providers and may be terminated if they find out. It’s a good idea to find a specialized provider that offers merchant services specifically for Kratom businesses as they understand the nature of the business and might have more flexible terms.








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.