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Easy Pay Direct

Accept online payments securely with a reliable payment gateway and merchant account. Specializes in high-risk industries, offering fraud protection and load balancing.

Screenshot of Easy Pay Direct website

What is EasyPayDirect

EasyPayDirect is a financial technology company that provides online payment processing solutions for businesses. It functions as both a payment gateway and a merchant account provider. The core purpose of EasyPayDirect is to enable businesses to accept credit card and electronic check payments online. The company has a special focus on serving businesses that are considered 'high-risk' by traditional banks and payment processors. These can include industries like supplements, coaching, digital marketing, and others with high chargeback rates or subscription models. Founded by Brad Weimert, the company aims to provide stable and secure payment solutions to help businesses grow without the fear of having their accounts suddenly shut down.

EasyPayDirect Features

EasyPayDirect offers a suite of features designed for secure and efficient payment processing.

  • High-Risk Merchant Accounts: The company specializes in providing merchant accounts to businesses that are often rejected by other processors. This gives these businesses a reliable way to accept payments.
  • Payment Gateway: Their secure payment gateway connects your website's shopping cart to the payment processing network, ensuring that customer data is handled safely during transactions.
  • Gateway Load Balancing: For businesses with high transaction volumes, EasyPayDirect can distribute payments across multiple merchant accounts. This technique, called load balancing, reduces the risk of any single account being flagged for high volume, which improves stability.
  • Fraud Protection Suite: It includes tools to help detect and prevent fraudulent transactions. This helps businesses reduce chargebacks and protect their revenue.
  • Subscription and Recurring Billing: The platform supports automated billing for subscription-based services, making it easy to manage recurring revenue streams.
  • Multi-Currency Processing: Businesses can accept payments from customers in various currencies, which is essential for international sales.
  • eCheck / ACH Processing: In addition to credit cards, EasyPayDirect allows businesses to accept electronic check payments directly from a customer's bank account.

EasyPayDirect Pricing Plans

EasyPayDirect does not offer standard, fixed pricing plans listed on their website. Instead, they provide custom pricing based on the specific needs and risk profile of each business. The pricing structure is tailored after an evaluation of your business model, industry, transaction volume, and processing history.

Typically, the costs include:

  • A setup fee for establishing the merchant account.
  • A monthly fee for account maintenance and gateway access.
  • Per-transaction fees, which are a percentage of the transaction amount plus a small fixed fee.

Businesses need to apply and speak with a representative to receive a custom quote designed for their situation.

EasyPayDirect Free Plan

EasyPayDirect does not offer a free plan or a free trial. The nature of merchant account services requires an underwriting and approval process for each business. Interested businesses must complete an application to be considered for an account and receive a pricing proposal. There is no way to test the service without first being approved as a merchant.

How to use EasyPayDirect

Getting started with EasyPayDirect involves a few key steps:

  1. Application: The first step is to fill out an online application on their website. You will need to provide detailed information about your business, including your industry, products or services, and estimated monthly sales volume.
  2. Underwriting: The EasyPayDirect team will review your application. This underwriting process assesses the risk associated with your business. You may need to provide documents like business licenses, financial statements, or supplier agreements.
  3. Approval and Setup: Once your business is approved, you will be provided with your merchant account details and payment gateway credentials.
  4. Integration: You will then integrate the EasyPayDirect payment gateway into your website. This can be done through plugins for popular e-commerce platforms like Shopify or WooCommerce, or through a custom API integration for other systems.
  5. Start Processing: After the integration is complete and tested, you can begin accepting payments from your customers securely.

Pros and Cons of EasyPayDirect

Pros

  • Specializes in High-Risk: They are a reliable option for businesses in industries that struggle to get approved elsewhere.
  • Increased Stability: The gateway load balancing feature helps protect businesses from account holds or closures due to high volume.
  • Dedicated Support: They often provide more personalized support compared to larger, more automated processors.
  • Robust Security: The platform is PCI compliant and includes fraud prevention tools to protect merchants.

Cons

  • Higher Costs: Pricing is generally higher than standard, low-risk processors like Stripe or PayPal.
  • Lengthy Application Process: The underwriting process can be slow and requires significant documentation.
  • Not Ideal for Low-Risk Businesses: Standard, low-risk businesses can often find cheaper and simpler solutions elsewhere.
  • No Transparent Pricing: You must go through the application process to understand the costs involved.

EasyPayDirect integrations

EasyPayDirect is designed to integrate with a wide range of e-commerce platforms, shopping carts, and CRM systems. This is typically done through pre-built plugins or a flexible API.

  • Shopify Integration: Allows Shopify store owners to use EasyPayDirect as their payment processor.
  • WooCommerce Integration: A plugin is available to connect EasyPayDirect with WordPress e-commerce sites.
  • BigCommerce Integration: Can be connected to BigCommerce stores to process payments.
  • Infusionsoft (Keap) Integration: Works with the popular CRM and marketing automation platform.
  • ClickFunnels Integration: Integrates with sales funnel software to process payments for offers and upsells.

For platforms without a direct plugin, the company's API allows for custom integrations.

EasyPayDirect Alternatives

Here are some alternatives to EasyPayDirect, particularly for businesses in high-risk categories:

  1. PaymentCloud: Another merchant services provider that specializes in high-risk and hard-to-place businesses. They are known for their strong customer service and wide range of integrations.
  2. Authorize.Net: A very popular and long-standing payment gateway. While not a direct merchant account provider, it partners with many high-risk friendly banks and processors, offering a reliable gateway solution.
  3. Durango Merchant Services: Focuses on high-risk, offshore, and international merchant accounts. They have been in the industry for a long time and have experience with complex business models.
  4. Stripe: A good alternative for low-risk businesses. Stripe offers transparent pricing, a powerful API, and is very easy to set up. However, it has strict policies against many high-risk industries.

EasyPayDirect API

Yes, EasyPayDirect provides a developer API that allows businesses to create custom payment integrations with their websites, applications, and software systems. The API enables developers to process transactions, manage subscriptions, and handle other payment-related tasks programmatically.

To get an API key, you must first be an approved merchant with an active account. The API credentials (such as an API Key and Secret) are then made available within your merchant account dashboard or by contacting their support team. There is no cost to obtain the API key itself, but its use is restricted to active customers.

An example API call to process a transaction might look like this (this is a generic example in cURL):

curl https://api.easypaydirect.com/v1/charges \
   -u YOUR_API_KEY: \
   -d amount=2000 \
   -d currency="usd" \
   -d source="tok_visa" \
   -d description="Charge for new order"

For detailed documentation, developers should refer to the official API reference provided by EasyPayDirect upon account activation.

EasyPayDirect Affiliate program

EasyPayDirect offers a Partner Program or referral program rather than a traditional, self-signup affiliate program. This program is designed for businesses, developers, and marketing agencies who can refer clients in need of payment processing services.

Partners can earn commissions for every merchant they refer who gets approved and starts processing payments with EasyPayDirect. Commission rates and payment terms are typically negotiated on a case-by-case basis and depend on the volume and quality of the referrals.

To join, you cannot simply sign up on a public page. You need to contact their partnerships or business development team directly through their website. They will discuss the program details with you and determine if it is a good fit. If you are interested in becoming a partner, the best approach is to email their support or sales team and ask to be connected with the person in charge of partnerships.

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Easy Pay Direct: Payment processing for high-growth businesses. – SAASprofile