Setting Your Internet Merchant Account Easily | Easy Pay Direct
Setting Your Internet Merchant Account Easily
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Setting up the best payment gateway

How To Choose The Best Payment Gateway

A merchant account is simply a bank account that gives businesses the capacity to accept credit cards & debit cards.

There’s always an approval process when setting up a real merchant account.  The first step is to qualify with merchant account providers. During the application process, you should be asked for an overview of your business as well as a variety of documents.  Any reputable processors will ask you for the following:
The type of business,
The products/services you offer,
A typical month / year’s sales information.
Your last three months of processing statements,
Your articles of incorporation
A void check.

In addition, you the business owner are always subject to a credit check upon approval.

These are all incredibly important components of setting up any merchant account but specifically an internet merchant account.  Reviewing these things allows the merchant account provider to understand you and your business model and the potential risks associated.

Don’t Lose The Best Payment Gateway

If these things are not done and the provider suspects fraud, the only recourse they will have to protect themselves is to suspend your account, hold your funds or close your account.   A much less common approach but possible is to reduce your credit limit so you can process less sales each month. These all protect the merchant account provider from taking on the risk of potential returns and chargebacks.

Thorough underwriting is a key element to having a stable internet merchant account.  In addition, you want to be sure that the monthly credit limit allowed for by your merchant accounts is enough for the charges you predict you’ll have each month; however, you should also be mindful of the fact that asking for a high limit will be scrutinized much more heavily. This is why it’s more beneficial for most business owners to set up two smaller accounts. This is best done under the guidance of an expert who is well versed in the process.

In addition to thinking through the above-mentioned, you’ll also want to consider your payment gateway options.  Doing a solid payment gateway comparison is a key component — or simply knowing exactly what features the best payment gateway provides is an important step to being setup correctly.

A payment gateway serves to mediate the transaction between your online shopping cart application and your payment processors. Shopping cart apps are not allowed to send and receive transaction information directly to/from payment processors due to potential security threats. A payment gateway company solves this problem by going the length of getting approved to fulfill those security requirements, so that a real-time, online transaction can happen.

What’s nice about Easy Pay Direct is that we have already integrated a payment gateway option into our services — and what’s even nicer is that when making a payment gateway comparison, you’ll find our features and pricing are a big leap above the competition.

Easy Pay Direct’s approach is to think through the would-be complicated logistics of a credit/debit card transaction, and to provide you with an easy, straightforward package customized to meet all of your business’ credit card processing needs.

If you want direct payment gateway comparisons, you can find them on

  • Wardee Harmon Wardee Harmon

    I’m so glad I found Easy Pay Direct! Customer service and merchant support are absolutely amazing and you’ve made it so easy for me to do automatic load balancing with multiple merchant accounts. I couldn’t be happier about switching to Easy Pay Direct!”

    Traditional Cooking School
    Wardee Harmon
  • Steven Poulos Steven Poulos

    The Easy Pay Direct team is great and easy to work with!”

    North Scottsdale Family Dentistry
    Steven Poulos
  • Mike Wreggit Mike Wreggit

    I’m very happy with the service I’ve received with Easy Pay Direct. They’ve been great. I presented them with the challenge of getting my merchant account set up in about a week before my first home show. They pulled it off with flying colors. They even overnighted my card slider to my hotel so I had it at the show. I sold a commission from the show and I was able to run the charge without a hitch. Ted was a great help throughout. I highly recommend Easy Pay Direct.”
    Mike Wreggit
  • Isabelle Mercier-Turcotte Isabelle Mercier-Turcotte

    THANK YOU, THANK YOU, Easy Pay Direct! I didn’t know how difficult it was to set up a merchant account, and you guys have made that process so easy for us. I call you the lightning bolt in Customer Service because you are so fast! You have been a pleasure to work with.”

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    Isabelle Mercier-Turcotte
  • Lucy Whittington Lucy Whittington

    I tried Easy Pay Direct and have received such a high level of attention. I needed a ‘real person’, so I called and spoke to Gordon who has been amazing. I now have a merchant account and payment gateway. Easy! I’ll be recommending you to all my clients too.”
    Lucy Whittington
  • Peter Conti Peter Conti

    Easy Pay Direct simplified the application process and was able to get us connected with three or four different merchant accounts all within a matter of just a few short weeks. I would highly recommend Easy Pay Direct for anyone who’s looking for a merchant account provider!”

    Mentor Financial Group
    Peter Conti
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