Accept credit cards online with a payment gateway backed by real underwriting, a dedicated merchant account, and 500+ integrations. Get approved fast, process with confidence, and stop losing revenue to surprise holds and PayFac shutdowns.
13+ years, 100,000+ businesses, $12B+ processed, 500+ integrations
Approved in 1-4 business days on clean files
About 7 minutes · No obligation · Real underwriter quote
Trusted by operators you know
A selection of the 100,000+ businesses we support with dedicated merchant accounts, including ecommerce.
100K+ Businesses
$12B+ Processed
13+ Years
500+ Integrations
Secure online payments
PCI-compliant credit and debit card processing through a tokenized payment gateway with end-to-end encryption.
Recurring billing
Build subscriptions and payment plans with automated retries, dunning, and decline recovery to protect MRR.
500+ integrations
One-click connections to your shopping cart, CRM, and billing tools. WooCommerce, Shopify, Infusionsoft, and more.
Chargeback tools
Built-in chargeback alerts, evidence builder, and dispute response workflow to protect your processing volume.
Virtual terminal
Key in card-not-present transactions from any browser. Email invoicing with pay-now links included.
Dedicated merchant account
Your own MID with real underwriting. No pooled accounts, no auto-shutdowns when something flags.
| Feature | Easy Pay Direct | Stripe, Square, Adyen, and other PayFacs     |
|---|---|---|
| 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 |
| Recurring billing | Built-in rebills, dunning, and decline recovery | Bolted on, and it dies with the account |
| Effective rate | Published rates. What you see is what you pay | Flat headline rate, effective rate often north of 4% |
| 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
Transparent online gateway pricing
Published rates. Custom pricing available for high-volume businesses.
Online Card Rate
2.69% + $0.36
per transaction
Swiped Card Rate
1.59% + $0.19
per transaction
ACH / eCheck Rate
1% + $0.29
per transaction
Online card payments are 2.69% + $0.36 per transaction. Swiped card payments are 1.59% + $0.19. ACH and eCheck are 1% + $0.29. Setup is $99 (waived if documents are submitted within 24 hours). Typical monthly fee is $25. See the full rates page for details.
Custom pricing available for $50K/mo+
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.
Rated 4.8 / 5 on Trustpilot
30K+ Businesses
$12B+ Processed
"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."
TK
Timothy Krulia
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!!!"
JM
Jim Morales
3 reviews
"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!"
J
Jesse
Trustpilot review
What is an online payment gateway?
How is Easy Pay Direct different from Stripe or Square?
How long does it take to get approved?
What does the gateway cost?
Does the gateway support recurring billing and subscriptions?
Which shopping carts and CRMs does the gateway integrate with?
Is the gateway PCI compliant?
Can high-risk businesses use the Easy Pay Direct gateway?
Do I need a separate merchant account, or is the gateway all I need?
How do I get started?
Tell us about your business and a specialist will follow up within one business day.
No obligation. A real Certified Payment Specialist will follow up — no auto-responder, no boilerplate quote.
