Best for
Subscription and SaaS businesses, ecommerce merchants processing $50,000+/month, and businesses in categories with elevated refund or chargeback exposure
Specializes in
Easy Pay Direct has unique gateway software and banking solutions to optimize payments for eCommerce, SaaS, information products, supplements, and CBD amongst other verticals.
Pricing Summary
Setup Fee: $99
Monthly Fee: $24.95
Swipe Rate: 1.59% + $0.17
Keyed-in Rate: 2.64% + $0.34
Early Termination Fee : $0 (domestic accounts)
Contract Terms:
Located in Austin, Texas, Easy Pay Direct was founded in 2012. Brad Weimert is the founder and CEO. EPD's core differentiator is its patent-pending gateway with transaction routing across multiple merchant accounts, backed by a large network of acquiring bank partners and a dedicated point of contact for every account. The newer EPD Commerce platform (in private beta at epd.com) extends this with subscription billing, decline salvage, and processor-level failover for SaaS and continuity businesses.
Easy Pay Direct focuses on ecommerce and card-not-present businesses, with core verticals in SaaS, information products, subscription commerce, supplements, and CBD. The firm refers to these categories as "special needs" rather than "high-risk," reflecting the reality that most modern online businesses carry some elevated refund or chargeback profile regardless of what the industry labels them.
The EPD gateway is patent-pending and integrates with the major shopping carts. Its central feature is transaction routing, which spreads volume across multiple merchant accounts so a single MID hitting a cap or threshold does not stall the business. Mobile payment tools and POS integrations are also available.
Easy Pay Direct has worked with more than 100,000 merchants across the platform, with over $12 billion in processed volume. Historic customers include Frank Kern, DigitalMarketer.com, and Samcart.
Rates are generally lower than aggregator-style processors, with a current published starting rate of 2.64% + $0.34 for standard online transactions. Both interchange-plus and tiered pricing are available depending on the account.
EPD Commerce, in private beta at epd.com, adds advanced recurring billing, decline salvage, revenue recapture, and processor-level failover for SaaS and subscription businesses, functioning as a direct alternative to running Stripe Billing plus a third-party dunning stack.
Head Quarters
Austin, TX
Year Founded
2012
CEO
Brad Weimert
Employees
100+
Merchant Provider Risk Tolerance
Domestic accounts have zero early termination fees.
Variable contract terms.
High risk tolerance.
Single point of contact for multiple merchant accounts.
Public pricing is available.
Transaction routing across multiple merchant accounts and processors reduces single-point-of-failure risk.
EPD Commerce platform bundles advanced subscription billing, decline salvage, and analytics for SaaS.
Setup fee.
Monthly fee.
Longer setup times.
All important terms are not disclosed.
Gateway payment fee assessed.
Easy Pay Direct offers the following products on its website:
Payment Gateway: The firm's main in-house product is the EPD Gateway. It allows merchants to accept debit and credit cards and ACH payments.
A core feature is it's ability to do 'transaction routing' which allows companies to have more than one merchant account and distribute their sales volume across them.
Several features are also included, such as a 'customer vault' that securely protects sensitive data.
The gateway has an email invoicing feature and has Level 1 security for PCI compliance.
The gateway has integrations to all major shopping carts including Shopify, WooCommerce, Magento and a list of almost 200 others.
Mobile Payments: The firm allows merchants to accept payments on-the-go using an app on their smartphones that connects to the EPD Gateway. Merchants can instantly record and batch all payment information along with emailing receipts to customers. Easy Pay also provides wireless terminals as an alternative, but those do not connect to their gateway, which offers less integrated reporting.
POS Systems: Easy Pay Direct offers Clover Station and Clover Mini POS systems through a First Data /Fiserv partnership. These products have EMV and NFC capability along with access to the Clover App Market, which allows you to add loyalty programs, gift cards, and integration with third-party systems, QuickBooks, to your system.
EPD Commerce: A newer platform from Easy Pay Direct, currently in private beta at epd.com, built for subscription businesses, SaaS operators, and agentic commerce. It bundles advanced recurring billing (dunning automation, retry schedules, metered billing, usage-based pricing, hybrid plans, prepaid credits), decline salvage and revenue recapture, transaction routing with processor-level failover, chat-with-your-data analytics for MRR and churn, and AI-discoverable product data (schema.org, llms.txt) into one platform. It is a direct alternative to running Stripe plus Stripe Billing plus a third-party dunning tool.
Discloses All Important Terms
No
Public Pricing Available
Yes
Easy Pay Direct's pricing is transparent, with published starting rates and account-specific quotes for higher-risk categories following underwriting.
Both interchange-plus and tiered pricing are available. Which model an account uses matters less than the effective rate after all fees, which is generally lower than aggregator-style processors once cross-border, currency conversion, and layered platform fees are counted.
Pricing Model
Interchange PlusTiered Pricing
Swiped Rate
1.59% + $0.17
Keyed-in Rate
2.64% + $0.34
Mobile Payment Rate
Undisclosed
Virtual Terminal Rate
1.00% - 2.99%
Monthly Fee
$24.95
Payment Gateway Fee
.15
Batch Fee
Undisclosed
Early Termination Fee
$0 (domestic accounts)
PCI Compliance Fee
Undisclosed
Equipment Lease Terms
None
Address Verification Service (AVS)
Application Fee
Account Setup Fee
$99
Gateway Setup Fee
$99 - one time setup fee (online only)
Annual Fee
Monthly Minimum
$24.95 online ($12.95 In-Store)
Statement Fee
Online reviews state that the company offers 1 year contracts and up to 3-year contracts, but with no early termination fee (ETF). This makes the contract length largely irrelevant.
Because of the varying banking relationships, the terms and conditions of each agreement will likely vary from merchant account to merchant account.
Contract Length
1 Year3 Years
Early Termination Fee
$0 (domestic accounts)
Easy Pay Direct has an online application that allows merchants to submit their application online. They state their setup time is 2 days to 2 weeks, "depending on your industry and how quickly you submit supporting documentation".
This indicates that Easy Pay Direct does thorough underwriting on the front end, which is a good practice for eCommerce companies and 'high risk' businesses. They state a very high approval rate.
Easy Pay Direct provides customer service via live chat, email, telephone, and text.
The support service is available from 8 am to 5 pm CDT, Monday through Friday.
The firm provides training for newly registered merchants on how to use its Easy Pay Direct gateway.
The FAQ section on its website is also fairly thorough.
There are several positive reviews online regarding Easy Pay Direct's customer service.
The firm opened a profile with Better Business Bureau in 2015, and it currently has an A+ rating.
There are no complaints to report against Easy Pay Direct.
BBB
A+ (0 complaints)
2.3 Stars / Based on the opinion of 3 people
Yelp
N/A
Total Online Reviews
10+
Total Online Complaints
<10
Lawsuits
None
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