Easy Pay Direct helps online businesses, ecommerce websites, large enterprise merchants, and small businesses accept credit and debit card payments. A dedicated online merchant account, real underwriting, and patent-pending Transaction Routing across multiple merchant accounts.
20+ years
500+ integrations
About 7 minutes · No obligation · Real underwriter review
9:30
E
Emma Gardner
11:16 PM
$567.00
E
Emma Gardner
09:16 PM
$567.00
T
Tracy Fernandez
07:16 PM
$219.00
C
Carol Vaughn
12:16 PM
$100.00
J
Jason Bradley
10:34 PM
$1,434.90
V
Velma Guerra
12:38 PM
$342.10
Dashboard
Orders
Easy Charge
Customers
Other
Multi-Bank Routing
Chargeback Alerts
Approval Time: 24-48h
Trusted by 100,000+ online businesses
A selection of the 100,000+ businesses we support with dedicated online merchant accounts, from first-time sellers to nine-figure operators.
100K+ Businesses
$12B+ Processed
20+ Years
500+ Integrations
Easy Pay Direct helps online businesses, ecommerce websites, large enterprise merchants, and small businesses accept credit and debit card payments.
To accept credit and debit cards for your business you need a merchant account to properly manage the money transfer from the cardholder's bank to yours. An online merchant account is the specific type of merchant account that handles card-not-present transactions from your website, funnel, checkout page, or subscription platform.
Easy Pay Direct has relationships with a wide network of merchant banks, and for that reason we can help you select the online merchant account solution that is the best fit for your organization. Every online merchant account we place is a dedicated account issued in your business's name with its own risk profile, not a shared aggregator sub-account.
We specialize in building complete transaction processing solutions for physical and online stores that include gateways for online merchants, point-of-sale equipment for retailers, a wide range of software integrations, and value-added services. Whether you are opening your first online merchant account or adding capacity to an existing one, we match you to the right merchant bank.
Easy Pay Direct offers top-tier merchant account services with outstanding customer support. We help business owners like you keep their focus on making money.
Our clients enjoy feature-packed merchant services with their online merchant account, including:
Partnering with Easy Pay Direct for your online merchant account gives you access to the best merchant account setup for your business and the advantage of working with a dedicated customer support team. You will be assigned an account manager to provide guidance through anything you need, including PCI compliance, best practices, and fraud prevention tactics.
Apply for your merchant account online with Easy Pay Direct.
If you have been shopping around for payment processors or merchant service providers you have likely seen companies that hide behind confusing pricing models. Some claim exclusive interchange-plus rates. Others advertise free online merchant accounts and then apply hidden processing fees, monthly fees, or per-transaction exceptions.
Easy Pay Direct believes in a transparent, fair pricing model for your online merchant account:
See the rates page for a full breakdown of processing costs.
Simple, Transparent Pricing You Can Trust
Clear pricing and honest terms, so you always know what to expect.
Online Card Rate
2.69% + $0.36
per transaction
Setup Fee
$99
waived if documents are submitted within 24 hours
Monthly Fee
Typically $25
varies by business type and volume
Custom interchange-plus pricing is available for higher-volume merchants. Every account includes chargeback tools, decline recovery, and access to 30+ banking partners.
No obligation, fast approval, real support
Get More Transactions Approved
Payments Success Rate
0
%
+24%
Success
2,981
Failure
171
Top 5 Failure Reasons
Insufficient funds
Issuer declined
3D secure failed
Timeout
Card expired
Easy Pay Direct has a simple and easy-to-integrate API. We offer automated submissions, three-step authentication, and level one PCI compliance for our clients. Every online merchant account we place connects to the NMI gateway with support for tokenization, recurring billing, customer vaults, and native fraud scrubbing at the gateway layer.
The Easy Pay Direct gateway integrates with 500+ shopping carts, and we are proactively adding new shopping carts as they come to market. Easy Pay Direct is also an Authorize.Net emulator for shopping carts that require that integration.
Another perk: we provide comprehensive reporting beyond your cart analytics, so you can reconcile transactions, chargebacks, refunds, and settlement across every online merchant account in your Transaction Routing setup from one dashboard.
Easy Pay Direct is compatible with the major mobile wallets, including Apple Pay and Google Pay. Since we are always looking to streamline processes for our businesses, we offer online and mobile reporting options in one convenient location. We also offer USB and mobile swipe options.
Modern entrepreneurs want to stay ahead of the tech curve. At Easy Pay Direct we want to help our merchants meet the demands of owning a business and running an online merchant account by using helpful technology. We work diligently to offer best-in-class solutions while innovating new tools based on customer pain points.
Our tech-forward features that help you manage your business include:
The problem is clear. We have witnessed far too many hard-working business owners struggle with their online merchant accounts, experiencing sudden account closure, high reserves, or the inability to access money they had earned. These things happened because their payment processor or payment aggregator decided to halt the operations of their account.
We developed the solution with Transaction Routing, our patent-pending technology that divides your transactions across multiple merchant accounts automatically. We built this to give high-risk and special-needs merchants something invaluable, real peace of mind.
If you happen to run into issues with one of your merchant accounts it will not mean catastrophe for your business. With Transaction Routing you will still be able to accept payments on your other merchant accounts. Transaction Routing lets you access all of your online merchant accounts with one Easy Pay Direct payment gateway login.
We set each of your merchant accounts with dollar-volume limits. Once a limit is met, the payment gateway automatically starts using the next merchant account in the rotation. Transaction Routing works for payments coming through your website, your virtual terminal, and some swiped transactions.
An aggregator sub-account is a single point of failure. A set of dedicated online merchant accounts with Transaction Routing is not. If one MID pauses, revenue keeps flowing through the others while your dedicated account rep resolves the issue. Transaction Routing is especially valued in high-risk verticals.
Operators like Frank Kern, Dean Graziosi, Amy Porterfield, Perry Belcher, Ryan Deiss, Hal Elrod, and Roland Frasier have processed with Easy Pay Direct, among 100,000+ businesses.
TK
Timothy Krulia
3 reviews
"We've worked with Easy Pay Direct for years. They have helped secure merchant accounts that pair well with our client's needs, and have excellent customer service supporting these accounts. I highly recommend Easy Pay Direct as a trusted merchant provider."
JM
Jim Morales
3 reviews
"EPD are rockstars at E-Commerce merchant processing service. We've been very happy since switching to them and they're always reliable, fast to respond and act with an ownership mindset. Valued partners we hope to grow with in the future!!!"
J
Jesse
Trustpilot review
"All the right stuff. Great company. Flawless communication. They integrated with my shopping cart and did all the work for me. I can text or call them anytime and get a response almost immediately. Ease, competence, and the results I sought. I highly recommend!"
Answers to the most common questions about online merchant accounts, approval, underwriting, cost, and how a dedicated account differs from an aggregator sub-account.
What is an online merchant account?
How do I get an online merchant account?
How much does an online merchant account cost?
How long does it take to get an online merchant account?
What is the difference between an online merchant account and a payment gateway?
Do I need an online merchant account to sell online?
What is the easiest online merchant account to get approved for?
Can I get an online merchant account with no processing history?
What documents do I need to apply for an online merchant account?
What is Transaction Routing on an online merchant account?
When you are ready to start accepting payments, Easy Pay Direct offers industry-low rates for point-of-sale, brick-and-mortar businesses, and online gateway solutions. Get started today with a dedicated online merchant account built to stay open.
Looking for rates, gateway details, and transaction flow instead? See online credit card processing.
Tell us about your business and a specialist will follow up within one business day.
Secure · PCI Compliant · No Hidden Fees
