If you are researching Easy Pay Direct, you are probably comparing processors for a business that banks call high-risk. Maybe you have been declined before, or your previous processor exited and you need a reliable answer, not another sales pitch.
A note on where this review comes from: we are PayKings, and high-risk payment processing is the only thing we do. Easy Pay Direct is a competitor. We will keep this review factual: what they say they offer, what any high-risk merchant should verify before signing with anyone, and how we compare on the terms we can actually speak to.
What Easy Pay Direct Offers
Based on Easy Pay Direct's own positioning, here is what they offer:
- A payment platform built to support businesses as they start, grow and scale
- A custom gateway and merchant accounts for nearly every type of industry
- A virtual terminal that processes credit cards, debit cards and ACH transactions
- Service in the USA and Canada
- Work with high-risk industries
- A single point of contact for merchants
That is a real offer, and for some businesses it may be the right one. What their public materials do not tell you, and what no processor's homepage tells you, is the part that decides whether an account survives: the underwriting terms.
What to Verify Before You Sign With Any High-Risk Processor
This applies to Easy Pay Direct, to us, and to anyone else you are considering. Before you sign, get clear answers in writing on five things.
- Full fee disclosure. Every fee should appear in the merchant service agreement before you sign it, not on your first statement.
- Reserve terms. If there is a rolling reserve or hold, the percentage and the release schedule belong in the contract, stated plainly.
- Approval timeline. A processor that knows its banks can give you a number, not a vague promise.
- Bank placement. Ask which acquiring banks will see your application and whether they already approve your industry. Blanket submissions waste weeks.
- What happens when underwriting flags something. You want a processor that tells you what is missing and why, so you can fix it.
A processor that answers all five without hedging is a processor you can plan a business around. One that cannot is a risk, whatever its reviews say.
How PayKings Compares
We will not speculate about Easy Pay Direct's pricing or reserve terms, because they are not published in the sources we reviewed. Here is what we disclose about our own.
- High-risk only. It is not a department for us. It is the whole business, which means we know what a bank will ask of your industry before it asks.
- Full fee disclosure. Every fee is disclosed in the merchant service agreement before you sign. You read the terms first, then decide.
- Clear underwriting. When you apply for a high-risk merchant account, we tell you what is missing from your file and why.
Beyond the account itself, high-risk merchants usually need the surrounding tools that keep an account healthy. We provide chargeback management to help you stay under card-brand thresholds, and ACH payment processing for merchants who want a second rail alongside cards.
Which Provider Fits Your Business
If you want a generalist platform positioned around businesses as they start, grow and scale, Easy Pay Direct's own site describes that offer, and their customer reviews are easy to find.
If you have been declined, or your previous processor exited, or you simply want a specialist whose underwriting is built for your category from the start, that is the business we are in. You will see every fee in the agreement before you sign.
When you are ready to compare terms side by side, apply with PayKings today.
Frequently Asked Questions
Easy Pay Direct's own positioning says they work with high-risk industries and offer a custom gateway, merchant accounts for nearly every type of industry, a virtual terminal for credit cards, debit cards and ACH transactions, and service in the USA and Canada. Whether their terms fit your business comes down to the underwriting details: fees, reserves and the approval timeline. Get those in writing before you sign.
Five things, in writing: full fee disclosure in the merchant service agreement, reserve and rolling-hold terms with the percentage and release schedule, a stated approval timeline, which acquiring banks will see your application, and what happens when underwriting flags something. A processor that answers all five without hedging is one you can plan a business around.
We do not speculate about Easy Pay Direct's pricing or reserve terms, because they are not published in the sources we reviewed. On our side, high-risk payment processing is the only thing we do, our pricing starts at interchange plus 0.80%, every fee is disclosed in the merchant service agreement before you sign, and most merchants are approved within 24 hours.
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Marielle Andiarena writes about high-risk merchant accounts and payment processing for PayKings.
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