Easy Pay Direct

Easy Pay Direct is a merchant services provider in Austin, Texas, founded in 2012 by Brad Weimert, who still runs it. Its about page counts more than 100,000 businesses served, $12 billion processed and over 30 acquiring bank partners, and the company made the Inc. 5000 in 2022. The pitch is the inverse of a payment facilitator: every account is a dedicated MID underwritten in your own business name and placed with a bank that already works in your vertical, rather than a sub-account under someone else's umbrella. Easy Pay Direct is not that bank. It underwrites, places and manages the account, while the acquirer behind it sets the reserve and the funding schedule.

The signature product is multi-account transaction routing, marketed as EPD Load Balancing and described by the company as patent pending. One merchant runs several MIDs behind a single gateway and splits volume across them by percentage or by dollar ceiling, so a hold on one bank does not take the checkout down. Easy Pay Direct suggests a second account once annual volume passes $250,000, or once payroll and ad spend depend on settlements arriving. Merchants can also be placed on Authorize.Net or NMI instead of the Easy Pay Direct gateway, and the cart list runs past 500 platforms including Shopify, WooCommerce, BigCommerce, Magento, Kajabi and ClickFunnels.

Pricing and how it works

Unusually for a high-risk placement shop, the rates are on the website. Online cards are 2.69% + $0.36, swiped cards 1.59% + $0.19, and ACH or eCheck 1% + $0.29. Setup is $99, waived if underwriting documents arrive within 24 hours. The monthly fee is described as typically $25, covering gateway access, reporting and PCI tools. Chargeback alerts, representment and decline recovery are included rather than billed on top, according to the company. Merchants above roughly $50,000 a month can ask for interchange-plus instead of the flat card rate. Approvals run one to four business days on clean low-risk files and three business days to a couple of weeks on high-risk ones. Easy Pay Direct states there are no long-term contracts and no early termination fee on standard accounts. That sits awkwardly beside Merchant Maverick, which reports agreements of one to three years with automatic renewal. Its own FAQ confirms that some high-risk accounts carry a rolling reserve, usually on a six-month cycle.

What Easy Pay Direct is not

It is neither an acquiring bank nor a payment facilitator. Underwriting happens in-house, but the merchant account sits with one of the partner banks, and that bank decides on reserves, funding delays and, if it comes to it, termination. Wallet coverage is thinner than a PayFac's too: SamCart's integration notes say Google Pay works through Easy Pay Direct only in Chrome, and Apple Pay is not supported.

Who it is for

Direct-response sellers, coaches and course businesses, supplement and CBD brands, continuity billers, and anyone already shut off by Stripe or Square who wants a dedicated MID with a named account manager. It is a poor fit for a low-volume retailer who would pay less on flat-rate hardware, and for merchants trading outside North America.