Dedicated restaurant credit card processing for in-person dining, online ordering, and delivery. Real underwriting, stable merchant accounts, tip adjustment, pay-at-table, and fast approval with real underwriting, 1-4 business days on clean files.
13+ years, 100,000+ businesses, $12B+ processed, 500+ integrations
Dedicated account manager who picks up the phone
About 7 minutes · No obligation · Real underwriter quote
9:30
L
Lewis Adkins
Sale at 06:16 PM
$1,345.00
K
Kelly Sims
Refund at 08:23 PM
$12.00
L
Lucy Horton
Sale at 11:10 PM
$5,737.00
L
Lewis Adkins
Sale at 03:34 PM
$1,345.00
Dashboard
Orders
Easy Charge
Customers
Other
Multi-Bank Routing
Chargeback Alerts
Approval Time: 24-48h
Trusted by restaurant operators and 100,000+ businesses
A selection of 100,000+ businesses we support all with dedicated merchant accounts, including high-risk categories like hospitality and retail.
100K+ Businesses
$12B+ Processed
13+ Years
500+ Integrations
Built for restaurant credit card processing, done right
Tip adjustment, split checks, pay-at-table, and online ordering on a dedicated MID with next-day funding.
Get StartedBuilt for restaurant environments
Restaurant credit card processing underwritten for dine-in, takeout, and delivery sales.
Stable, dedicated merchant accounts
Your own MID, not a shared pool that disrupts operations when others in the aggregator mis-step.
Tip adjustment and split checks
Tip adjust after the fact and split checks across cards without re-running transactions.
Pay-at-table and next-day funding
Tableside card acceptance with next-day funding so your cash flow stays predictable.
Every type of food and beverage operator:
Restaurant-grade processing with tableside EMV, tip handling, and clean POS integrations.
Generic aggregators offer boilerplate approval that may cut off later. A dedicated MID with tip adjust, split checks, and pay-at-table is the stable structure.
| Feature | Easy Pay Direct dedicated account | Payment Facilitator / PayFac     |
|---|---|---|
| Account type | Dedicated MID, your business's name on file | Shared account with thousands of others |
| Getting shut down | Rare. Real underwriting means fewer surprises | Frozen funds and account terminations are common |
| Volume caps | Process what your business needs | Hit a ceiling, get flagged, get held |
| Chargeback support | Human team fights disputes with you | You're on your own |
| Integrations | 500+ integrations, we work with your stack | Locked into their platform |
| Tips and split checks | Tip adjust and split checks work out of the box | Limited, or not supported at all |
| Next-day funding | Available with qualifying volume | Delayed and unpredictable payouts |
| Approval | Real underwriting in 1-4 business days | Approved, then account reviewed later. Causing holds or shutdowns |
| Account manager | Dedicated human who knows your business | Support ticket queue |
| When things break | Text your account manager | Wait for chat, hope for a response |
The cheapest processor is the one that doesn't shut you down. If your account froze tomorrow, could you make payroll? That's the real cost of picking on rate alone.
And that "low rate" a PayFac advertises? It's never what you actually pay.
We structure approvals around your business model to ensure long-term payment stability.
Apply
Submit your business details.
Verify
Upload supporting documents
Underwriting
Our bank relationships, your advantage
Go Live
Start processing with confidence Plus continued optimization and support
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 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
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 restaurant credit card processing, tip adjustment, pay-at-table, and online ordering integrations.
What is restaurant credit card processing?
How does credit card processing for restaurants work with Easy Pay Direct?
Does Easy Pay Direct support tip adjustment for restaurant credit card processing?
What is next-day funding for restaurant credit card processing?
Can I connect online ordering and third-party delivery with my restaurant merchant account?
What are the fees for credit card processing for restaurants?
Do I need a special merchant account for restaurant credit card processing?
Is restaurant credit card processing considered high-risk?
What hardware is supported for restaurant POS credit card processing?
How do I get started with restaurant credit card processing through Easy Pay Direct?
Tell us about your business and a specialist will follow up within one business day. Fast approval with real underwriting, typically 1-4 business days on clean files.
Secure · PCI Compliant · No Hidden Fees
