In today’s rapidly evolving digital economy, the ability to accept payments online is critical for businesses of all sizes. However, not all businesses are treated equally by traditional payment processors—especially those labeled as “high-risk. ” That’s where Easy Pay Direct (EPD) comes in. Known for its specialized best high-risk payment processor solutions for high-risk merchants, Easy Pay Direct has carved out a niche as a reliable and secure payment gateway that enables businesses to operate with confidence, even in industries considered riskier than average.
This article explores what Easy Pay Direct is, the industries it serves, its core features, benefits, and how it compares to traditional payment processors.
What is Easy Pay Direct?
Easy Pay Direct is a payment processing platform designed specifically to serve businesses that have difficulty getting approved by traditional merchant account providers. Founded in 2009, the company provides payment gateway services and merchant accounts tailored for industries with high chargeback rates, regulatory scrutiny, or reputational concerns.
Unlike one-size-fits-all processors, EPD offers customized solutions with advanced features for businesses that need more robust tools to ensure reliability and compliance.
Who Needs Easy Pay Direct?
Businesses categorized as high-risk often face difficulty obtaining or maintaining a merchant account with traditional providers like Stripe, PayPal, or Square. Easy Pay Direct focuses on serving such industries, including:
ecommerce and Dropshipping
Nutraceuticals and Supplements
Adult Entertainment
Online Coaching and Info Products
CBD and Cannabis-Related Products
MLMs and Subscription Boxes
Debt collection and Credit Repair Services
Travel Services and Timeshares
What makes these industries high-risk? Factors such as high chargeback ratios, complex regulatory environments, and the possibility of fraud or non-compliance. Easy Pay Direct’s infrastructure is built to support these kinds of businesses with more flexibility and control.
Key Features of Easy Pay Direct
Load Balancing with EPD Gateway™
One of the standout features of Easy Pay Direct is its proprietary gateway system. This allows you to split transactions between multiple merchant accounts, which spreads risk and reduces the chances of a full shutdown due to high volume or sudden chargebacks.
High-Risk Merchant Account Support
Easy Pay Direct connects merchants to acquiring banks that specialize in high-risk industries. They also assist in the underwriting process to improve the chances of approval.
Chargeback Management
With tools to monitor, dispute, and prevent chargebacks, EPD helps businesses maintain compliance with chargeback thresholds and protect their processing capabilities.
Integrated Payment Gateway
EPD provides a secure and easy-to-use payment gateway that supports major credit card processors, recurring billing, invoicing, and real-time transaction tracking.
24/7 Customer support
Unlike many processors that offer minimal support, Easy Pay Direct provides round-the-clock assistance, which is essential for high-risk merchants who cannot afford downtime.
Scalability
Businesses can grow without fear of losing their processing capabilities. Whether you're scaling ad spend or launching new product lines, EPD accommodates growth while managing processing risk.
Benefits of Using Easy Pay Direct
1. Increased Approval Rates
Traditional payment processors often decline high-risk businesses outright. EPD’s network of banking partners gives high-risk merchants a better chance at approval and continued operation.
2. Reduced Risk of Account Freezes
Load balancing and advanced fraud detection help businesses avoid sudden shutdowns or frozen funds—a common issue with platforms like PayPal.
3. Improved Chargeback Protection
Easy Pay Direct provides tools and analytics to help merchants keep their chargeback ratio under control, reducing the risk of penalties or account termination.
4. Dedicated Account Management
EPD assigns dedicated representatives to each client, ensuring personalized support and expert advice tailored to the industry.
5. Flexible Payment Options
The gateway supports recurring billing, one-time payments, and invoicing, enabling flexibility for businesses that rely on subscription or membership models.
How Easy Pay Direct Works
Getting started with EPD involves a few key steps:
Application and Onboarding
Merchants apply online, providing business information, processing history, and relevant documentation.
Merchant Account Setup
EPD works with acquiring banks to get you approved for a high-risk merchant account.
Integration
The easy Pay Direct Gateway can be integrated with your website, shopping cart, or CRM platform via API or plug-ins.
Transaction Management
Once live, merchants can manage transactions, generate reports, and monitor chargebacks from a single dashboard.
Pricing and Fees
Easy Pay Direct does not advertise flat rates because its pricing depends on several factors, including industry type, volume, and risk level. However, typical fees may include:
Setup Fee: One-time charge (can vary)
Monthly Gateway Fee: Typically around $25–$50
Transaction Fees: Ranges from 2. 5%–5. 5% depending on risk
Chargeback Fees: $25–$35 per chargeback
Additional Merchant Account Fees: If you use load balancing with multiple accounts
While these fees may seem higher than low-risk processors, they reflect the added infrastructure and risk management services that EPD provides.
Easy Pay Direct vs Traditional Payment Processors
Feature Easy Pay Direct Stripe / PayPal / Square
High-Risk Support Yes No
Load Balancing Yes No
Chargeback Management Advanced Basic
Customer Support 24/7 Limited
Merchant Account Variety Multiple / Global Banks One-size-fits-all
Risk of Freezing Funds Low High
Real-World Use Case
Imagine an entrepreneur selling fitness supplements online. Due to the supplement industry's high chargeback rate and regulatory oversight, a Stripe or PayPal account may be shut down after only a few complaints. With Easy Pay Direct, the same entrepreneur could access a network of trusted high-risk banks, reduce risk through load balancing, and proactively manage chargebacks—ensuring business continuity and growth.
Final thoughts
Easy Pay Direct fills a critical gap in the online payment processing landscape by serving businesses that traditional processors often avoid. While the costs can be higher, the value provided—particularly for high-risk merchants—is substantial.
From flexible payment processing to superior risk management and scalable infrastructure, Easy Pay Direct is not just a payment solution; it’s a business enabler. Whether you're launching a new high-risk venture or looking for a stable alternative to an unreliable processor, Easy Pay Direct is a proven partner in navigating the complexities of digital commerce.