Recurring billing built for businesses that get paid on a schedule
Subscriptions, payment plans, memberships, continuity programs, monthly retainers. If your revenue depends on customers paying you on a schedule, you need a recurring billing engine that does more than fire a charge once a month. The Easy Pay Direct gateway runs your recurring billing with smart retries, automatic card updates, and the same dedicated merchant account that backs the rest of your processing.
Recurring revenue, without the babysitting
Most processors treat recurring billing as an afterthought. We treat it as a core feature. Easy Pay Direct merchants who run recurring schedules get paid an average of 14 days sooner than merchants who manually invoice, because the charges fire on time, retries catch the cards that would have otherwise failed, and account updater keeps stored card data current.
The recurring billing engine
A real recurring billing engine, not a glorified scheduled charge button.
Set it and forget it
Build any schedule in under a minute — daily, weekly, monthly, quarterly, annual, or any custom interval.
Charge a fixed amount, a variable amount, or a multi-step plan ($500 today, $250/month for 6 months).
Once it is set, the gateway runs it without you.
Smart retry on failed payments
When a card declines, the gateway retries automatically with configurable logic — next business day, +3 days, +7 days, and so on.
Most recurring declines are temporary (insufficient funds, transient bank decline).
Smart retry quietly recovers them, so you often never know the charge failed in the first place.
Account updater for stored cards
Cards expire, get reissued, or get replaced after fraud.
The EPD gateway plugs directly into Visa and Mastercard account updater services to refresh stored card data automatically.
Your recurring charges keep running when a customer's card changes — no chasing customers for new numbers.
Real-time controls
Pause, resume, edit, or cancel any schedule with one click.
Adjust the amount, change the interval, push the next charge date out, or refund a charge directly from the customer record.
Everything lives inside the same gateway interface as the rest of your processing.
Built for the way you actually bill
From simple subscriptions to multi-step plans — one gateway handles all of it.
Subscription products
SaaS, content sites, software tools, boxes, and digital memberships.
Monthly or annual billing, free trials, upgrades, downgrades, and prorated changes — all handled by the gateway.
No separate subscription platform required.
Payment plans and installments
Coaches, consultants, agencies, course creators, and high-ticket sellers.
Split a $3,000 program into 3 payments of $1,000, or $500 down plus 6 monthly payments — whatever the offer requires.
The gateway tracks the plan and stops when it is complete.
Continuity and membership programs
Gyms, dojos, clubs, and recurring service offers where customers stay enrolled until they cancel.
The gateway runs the renewal on the same day each cycle and flags failed payments before you lose the customer.
Retainers and recurring services
Marketing agencies, law firms, accounting, IT services, and ongoing pro services.
Fixed monthly retainer, variable monthly invoice, or a mix — billed automatically on the day the engagement renews.
The math on recurring billing
Every recurring charge that fails and doesn't get recovered is lost revenue. Most processors lose 4 to 7% of their recurring charges to involuntary churn, the technical failures where a card expired, got reissued, or had a temporary decline that nobody followed up on. Smart retry plus account updater typically recover 60 to 80% of that, which means a recurring business doing $1M a year gets back $25,000 to $40,000 in revenue that would have otherwise just disappeared.
That is the part that separates a real recurring billing engine from a glorified scheduled charge button.
Works with your existing stack
The Easy Pay Direct gateway integrates with 500+ platforms (carts, CRMs, subscription managers, membership platforms, accounting software). If you already run your subscriptions through Recurly, Chargebee, Stripe Billing, Memberium, MemberPress, Kajabi, or a custom app, the gateway plugs in through our API, MCP server, and SDK. If you don't have a billing platform yet, the gateway can run the schedule itself.
Get recurring billing working the right way
Get a dedicated Easy Pay Direct merchant account with recurring billing, smart retry, and account updater built in. Approval usually takes 1 to 4 business days from the time a complete application and supporting documents are submitted.
Prefer to skip the form? Call (800) 805-4949 to talk to a Certified Payment Specialist live.
Recurring billing FAQ
What's the difference between recurring billing and a subscription?
Will the gateway automatically retry failed charges?
What happens when a customer's card expires?
Can I run variable or multi-step billing schedules?
Does Easy Pay Direct work with my subscription management platform?
How long does approval take?