Large Digital Goods Merchant

"Large Digital Goods Merchant" is a billing descriptor used by Apple, Google, Microsoft, Amazon, and other platforms when you purchase apps, subscriptions, cloud storage, or digital content. If you saw that charge on your credit card statement, it's almost always a legitimate purchase from one of those platforms.

Apple, Google, Microsoft, and Amazon use this descriptor for digital purchases

Trusted by 100,000+ businesses · $12B+ processed · 13+ years

About 7 minutes · Or scroll to the FAQ for "what is large digital goods merchant"

9:30

EPD Commerce

Orders

Date
Today

L

Lewis Adkins

Sale at 06:16 PM

$1,345.00

Paid
2025-09-18

K

Kelly Sims

Refund at 08:23 PM

$12.00

Paid
2025-09-17

L

Lucy Horton

Sale at 11:10 PM

$5,737.00

Paid

L

Lewis Adkins

Sale at 03:34 PM

$1,345.00

Paid
Dashboard
Orders
Easy Charge
Customers
Other

Trusted by entrepreneurs who sell digital goods at scale

A selection of 100,000+ businesses we support all with dedicated merchant accounts, including digital goods, software, and subscriptions.

100K+ Businesses

$12B+ Processed

13+ Years

500+ Integrations

Forbes
Inc. 5000
Merchant Maverick
Trustpilot
Microsoft Start

Built for digital-goods businesses

Merchant accounts for software, SaaS, subscriptions, streaming, downloads, and every other form of digital delivery.

Get Started

Software & SaaS

Recurring billing, trial conversions, tiered plans, and seat-based subscriptions, all supported.

Digital downloads

eBooks, courses, templates, music, stock media. A digital goods payment processor built for CNP.

Streaming & content

Video, audio, and membership platforms with chargeback tools built for digital-delivery risk.

Apps & in-app purchases

Process for mobile apps, browser apps, and gaming platforms with high transaction volumes.

Digital-goods categories we support

If your business delivers the product electronically, we likely have a bank for it.

  • Software
  • SaaS
  • Mobile apps
  • Browser apps
  • Digital downloads
  • eBooks
  • Online courses
  • Membership sites
  • Streaming video
  • Streaming audio
  • Podcasts
  • Cloud storage
  • Hosting
  • Infrastructure
  • Stock media
  • Licensed content
  • Templates
  • Plugins
  • Extensions
  • Coaching programs
  • Info products
  • Virtual goods
  • In-game currency
  • In-app purchases
  • Subscription boxes
  • Recurring billing
  • Usage-based billing
  • Metered billing
  • Tiered plans

Digital-goods payment processing across every model above. Merchant account for digital products with real underwriting and CNP-tuned tools.

Payment facilitator vs. dedicated digital goods payment processing

Two ways to accept card payments. A payment facilitator puts you on a shared umbrella account. A dedicated merchant account is underwritten for your business specifically.

FeatureEasy Pay Direct dedicated accountPayment facilitator StripeShopifyFanBasisWhop
Account typeDedicated, underwritten for youShared umbrella
Digital-goods underwritingBuilt for digital-delivery businessesOften flagged as high-risk
Recurring billing & subscriptionsFully supported at scaleVaries by product
Chargeback toolsCNP-optimized, digital-goods tunedGeneric
Volume capsNone on underwritten accountsCommon
Integrations500+ integrationsPlatform-specific
ApprovalFast approval with real underwriting, typically 1-4 business days on clean filesInstant, limited review

For a digital-goods business with real volume, a dedicated merchant account gives you stability and pricing that a shared umbrella cannot match.

A Clear, Risk-Aligned Approval Process

We structure approvals around your business model to ensure long-term payment stability.

1

Apply

Submit your business details.

2

Verify

Upload supporting documents

3

Underwriting

Our bank relationships, your advantage

4

Go Live

Start processing with confidence Plus continued optimization and support

Open your merchant account

Simple, Transparent Pricing You Can Trust

Clear pricing and honest terms, so you always know what to expect.

Online Card Rate

2.69% + $0.36

per transaction

Setup Fee

$99

waived if documents are submitted within 24 hours

Monthly Fee

Typically $25

varies by business type and volume

Custom interchange-plus pricing is available for higher-volume merchants. Every account includes chargeback tools, decline recovery, and access to 30+ banking partners.

Open your merchant account

No obligation, fast approval, real support

Get More Transactions Approved

Payments Success Rate

0

%

+24%

Success

2,981

Failure

171

Top 5 Failure Reasons

Insufficient funds

82 (44%)

Issuer declined

40 (21%)

3D secure failed

36 (18%)

Timeout

23 (10%)

Card expired

12 (5%)

Entrepreneurs who built digital empires, and the processor they trust

Our roster includes Grant Cardone, Tony Robbins, Frank Kern, Dean Graziosi, Amy Porterfield, Perry Belcher, Ryan Deiss, Hal Elrod, Roland Frasier, and Wes Watson, among 100,000+ others.

TK

Timothy Krulia

3 reviews

"We've worked with Easy Pay Direct for years. They have helped secure merchant accounts that pair well with our client's needs, and have excellent customer service supporting these accounts. I highly recommend Easy Pay Direct as a trusted merchant provider."

JM

Jim Morales

3 reviews

"EPD are rockstars at E-Commerce merchant processing service. We've been very happy since switching to them and they're always reliable, fast to respond and act with an ownership mindset. Valued partners we hope to grow with in the future!!!"

J

Jesse

Trustpilot review

★ Trustpilot

"All the right stuff. Great company. Flawless communication. They integrated with my shopping cart and did all the work for me. I can text or call them anytime and get a response almost immediately. Ease, competence, and the results I sought. I highly recommend!"

Large Digital Goods Merchant · Frequently Asked Questions

Answers to the most common informational and commercial questions about Large Digital Goods Merchant.

What is a Large Digital Goods Merchant? (que es large digital goods merchant)

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Why did "Large Digital Goods Merchant" appear on my credit card statement?

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What does "Large Digital Goods Merchant" mean on an Apple bill?

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¿Qué significa "Large Digital Goods Merchant" en español?

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Large Digital Goods Merchant nedir?

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I run a digital-goods business. Can I get a merchant account as a Large Digital Goods Merchant?

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What's the difference between a digital goods payment processor and a general processor?

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How fast can I get approved for a digital-goods merchant account?

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Do you support recurring billing and subscriptions?

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How do I apply for a digital-goods merchant account?

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Apply for a digital-goods merchant account