Easy Pay DirectB67
Merchant Services · Established online businesses in verticals banks decline — coaching and info-products, supplements, CBD, fi…
Overview
Easy Pay Direct sells stability rather than price. It underwrites each application by hand, places the account with one of a stated 30-plus banking partners that works with your vertical, and encourages high-volume merchants to run more than one merchant account so a single shutdown does not take the business offline. Unusually for a high-risk provider, it publishes rates: 2.69% + $0.36 online, 1.59% + $0.19 swiped, 1% + $0.29 for ACH, a $99 setup fee waived on fast document submission and a monthly fee it describes as typically $25. There is no long-term contract and no early termination fee on a standard account. Two things temper that. Its pricing page advertises 'Rated 4.8 / 5 on Trustpilot' when the actual Trustpilot profile shows 3.8 from 48 reviews. And its BBB rating is D-, assigned specifically for failing to respond to two complaints.
Best for: Established online businesses in verticals banks decline — coaching and info-products, supplements, CBD, firearms, travel, subscription and continuity billing, high-ticket sales — that have been shut down by an aggregator and want a dedicated merchant account with a named underwriter and a fallback bank.
Strengths
- + Publishes standard rates at all — 2.69% + $0.36 online, 1.59% + $0.19 swiped, 1% + $0.29 ACH — which almost no high-risk provider does
- + Human underwriting against a stated 30-plus banking partners, with the company telling applicants upfront which banks fit their file and which do not
- + Multi-bank routing gives high-volume merchants a genuine fallback if one acquirer freezes or caps the account
- + No long-term contract and no early termination fee on a standard account; the $99 setup fee is waived if documents arrive within 24 hours
- + A dedicated merchant account in your own business name rather than a slot inside an aggregator's shared MID, which is the structural reason payfac shutdowns happen so abruptly
- + Long track record — BBB records give an incorporation date of January 2007, and the company is still led by founder Brad Weimert
Trade-offs
- – The pricing page advertises 'Rated 4.8 / 5 on Trustpilot' when the company's actual Trustpilot profile shows 3.8 out of 5 from 48 reviews
- – BBB rating is D-, assigned specifically for failure to respond to two complaints filed against the business; the company is not BBB accredited
- – The company's own scale figures contradict each other — the high-risk page claims '13+ Years' alongside '100K+ Businesses', while the About page says 'two decades' and the pricing page says '30K+ Businesses'
- – Expensive for a low-risk business: 2.69% + $0.36 plus $25 a month is well above what a mainstream interchange-plus processor charges
- – Reserves are real. The company describes six-month rolling reserves holding funds at least 180 days as a normal structure for some high-risk accounts
- – Payout timing and the per-chargeback fee are not published, because both are set by whichever bank underwrites you
Fees in detail
- Online rate: 2.69% + $0.36 per transaction on a published standard account; interchange-plus quoted individually for high-volume merchants
- Disputes: Easy Pay Direct states chargeback fees, PCI compliance support and decline-recovery tools are included with every account and that it does n
- Contract: No long-term contract on a standard account
Standard published rate for a domestic online card payment. Confirm current pricing on Easy Pay Direct's pricing page.
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