Easy Pay Direct helps businesses handle payments. They offer a service called the EPD Gateway, which is their main product. They team up with big banks and processors in the US and abroad to provide merchant accounts. You know, if you already have a merchant account, you can still use the EasyPayDirect Gateway. Additionally, they have a customer base of over 60,000 merchants, including well-known names like Frank Kern, DigitalMarketer.com, InfusionSoft, and others.
What Is Easy Pay Direct?
Easy Pay Direct is for online businesses and those without a physical card presence. They focus on software, online selling, information products, and more. Instead of calling these industries ‘High-Risk,’ they use the term ‘Special Needs.’ Information online indicates that Easy Pay Direct effectively serves various other types of businesses too Their EDP payment gateway is awaiting patent approval and appears to integrate with major shopping carts. While they offer tools for mobile payments and POS systems, their marketing primarily targets eCommerce.
Easy Pay Direct Supported Countries
While Easy Pay Direct doesn’t explicitly mention every supported country. But on their website, they have mentioned that
Easy Pay Direct is linked with 38 offshore banks in various locations, with connections throughout the Caribbean, Canada, and the European Union.
They also provide US-based accounts.
Easy Pay Direct Products & Services
Whether your business is solely in-store, online, or a combination of both, EDP offers a wide range of services designed to meet all of your requirements. Such as:
Merchant Accounts
EDP is not a straight processor. Like other specialists in high-risk industries, they offer merchant accounts through partnerships with different processors and banks. They also team up with offshore banks to provide accounts for merchants outside the US who mainly operate in the US market.
Payment Gateway
Easy Pay Direct helps merchants accept debit and credit cards, along with ACH payments. One cool thing is its ‘transaction routing. It lets companies use more than one merchant account and spread their sales across them.
Furthermore, the gateway has useful features, like a ‘customer vault’ that keeps sensitive data safe. It also lets us send email invoices and ensures Level 1 security for PCI compliance.
Plus, the gateway works smoothly with major shopping carts such as Shopify, WooCommerce, Magento, and nearly 200 others.
High-Risk Focus
Easy Pay Direct focuses on serving high-risk merchants, such as those in the firearms, nutraceuticals, and cannabis industries. An interesting feature they provide is load balancing, that allows a single merchant to have multiple accounts. So you can designate the percentage of sales for each account. This setup ensures that if one account faces a hold, payments can automatically shift to another account.
Credit Card Terminals
Easy Pay Direct doesn’t give a lot of details about the credit card terminals it offers, but they have ones that follow EMV standards. Some of these machines even work with Apple Pay and Android Pay. The company lets you buy these machines at wholesale prices, which is likely cheaper than getting stuck in a costly, long-term lease.
Point Of Sale Systems
They offer Clover Station and Clover Mini (POS) systems through a collaboration with First Data/Fiserv. These systems are equipped with EMV and NFC features for secure transactions. Therefore, using the Clover App Market, you can effortlessly customize your setup. From there, you can add loyalty programs and gift cards. And then connect with other systems like QuickBooks.
Mobile Payments
Easy Pay Direct enables merchants to take payments on the move by using a smartphone app that links to the EPD Gateway. So merchants can quickly save and organize payment details, and even send receipts to customers via email.
Shopping Cart Integration
EPD provides its exclusive Quick-Click shopping cart, integrated directly into the EPD Gateway. While it’s straightforward, setting it up may require some technical know-how. The good news is, the gateway works with 134 shopping carts, including popular ones like Shopify. Additionally, there’s an emulator mode for Authorize.Net if you wish to use it with a shopping cart that’s not officially certified as compatible.
Developer Resources
If you want to personalize the connection between your website and the EPD Gateway, Easy Pay Direct provides APIs and SDKs to assist you. You can also find detailed instructions directly on their website.
Business Loans & Merchant Cash Advances
Easy Pay Direct collaborates with 20 external lenders to provide merchants with cash advances and regular business loans. The extended limit for loan limit is $500,000. For cash advances, repayment spans from 6 to 18 months, while traditional business loans offer a range of 6 to 36 months for repayment.
Fees & Rates
So, easypaydirect fees put up these flat-rate prices, but it’s probably more for the folks who aren’t diving into high-risk stuff. As per their website and various online reviews, here’s what you can expect:
| Fees & Rates | |
|---|---|
| Monthly fee | $24.95 |
| Set-up fee | $99.00 |
| Swiped Rate | 1.59% + $0.17 |
| Keyed-in Rate | 2.39% + $0.29 |
| ACH Rate | 1.6% + $0.29 |
Sales & Advertising Transparency
Easy Pay Direct’s website has some useful information. But it might take a bit of digging to find what you need due to its less-than-straightforward layout. So keep an eye on their blog, though—it’s worth it! The interesting thing is they also offer a free report titled “4 Easy Steps to Avoid Merchant Account Collapse” in exchange for your email. It’s handy, but be ready for a follow-up from their sales team after you download it. Overall EDP ads transparency is good.
Contract Length & Early Termination Fee
According to online reviews, the company provides contract options ranging from 1 year to 3 years, and the good news is there’s no early termination fee. But this makes the contract length less significant.
Given the diverse banking relationships, it’s important to note that terms and conditions may differ for each merchant account. In simple words, When it comes to contract length, you’ve got options: 1 year or 3 years. The best part? There is no early termination fee for domestic accounts.
Customer Service & Technical Support
| Customer Service & Technical Support | |
|---|---|
| Phone Support | Available |
| Email Support | Available |
| Support Tickets | Available |
| Live Chat | Available |
| Dedicated Support Representative | No |
| Knowledge Base or Help Center | No |
| Videos & Tutorials | Available |
| Company Blog | Available |
| Social Media | Available |
Customer support can be a headache in the processing industry, but it’s refreshing to note that Easy Pay Direct has minimal complaints in this department. Considering their size and the multitude of merchants they serve, it’s a positive sign that they deliver top-notch customer support.
Easy Pay Direct Reviews, Complaints & Testimonials
You can find Easypaydirect review complaints and testimonials on their website. Because they have showed the feedback from real clients. If you want a deeper dive, then check out some customer interviews on their YouTube channel.
On the whole, customers express satisfaction with the service provided by the company.
Positive Easy Pay Direct Reviews & Testimonials
Excellent Customer Service:
Despite occasional complaints, many customers acknowledge the exceptional care they’ve received.
Effortless Application Process:
Applying for merchant accounts can be a hassle, but Easy Pay Direct appears to go the extra mile in simplifying the process.
Negative Easy Pay Direct Reviews & Complaints
Customer Communication:
Someone had a hard time getting the right answer because they got shuffled around by different people.
Hard To Cancel:
Canceling isn’t charged, but some folks found it tricky to actually get out of their contract.
Opaque Rates:
Some customers found it confusing to figure out tiered pricing.
Final Verdict
Easy Pay Direct partners with various processors. So This increases your chances of getting an account. The best thing we love about EDP is that they don’t charge for early termination fees. While Easy Pay also offers wireless terminals as another option, it’s worth noting that these terminals don’t connect to their gateway. That can result in less unified details.
FAQs
Is Easy Pay Direct a legitimate company?
Yes, Easy Pay Direct is a legitimate company. Since they were established in 2009. Therefore they have gained huge popularity in the years.
How does Easy pay direct interest rate per transaction?
Easy Pay Direct uses a tiered pricing model. The interest rate can vary according to some factors like business type, processing volume, and risk level. The rates normally include a mix of a percentage of the transaction adds up and a per-transaction fee.
What does EasyPay Direct do?
They helps businesses handle payments. They offer a service called the EPD Gateway, which is their main product. They team up with big banks and processors in the US and abroad to provide merchant accounts.
Who owns Easy Pay Direct?
The owner of EDP is Brad Weimert.
Does EasyPay affect credit?
No, it doesn’t affect your credit.
What are some alternatives to EasyPay Direct?
EasyPay Direct alternatives
- priority payment systems
- payment cloud
- jetpay
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