Dedicated online credit card processing for card-not-present businesses. Real underwriting, stable merchant accounts, 500+ integrations, and fast approval with real underwriting, 1-4 business days on clean files. 100,000+ businesses, $12B+ processed, 13+ years.
13+ years underwriting online operators
Dedicated account manager on every account
About 7 minutes · No obligation · Real underwriter quote
9:30
L
Lewis Adkins
Sale at 06:16 PM
$1,345.00
K
Kelly Sims
Refund at 08:23 PM
$12.00
L
Lucy Horton
Sale at 11:10 PM
$5,737.00
L
Lewis Adkins
Sale at 03:34 PM
$1,345.00
Dashboard
Orders
Easy Charge
Customers
Other
Online CCP · On
Recurring billing · Active
Account manager · Live
Trusted by online operators and 100,000+ businesses
A selection of 100,000+ businesses we support all with dedicated merchant accounts, including high-risk categories like CBD and hemp.
100K+ Businesses
$12B+ Processed
13+ Years
500+ Integrations
Built for online credit card processing, done right
Online credit card processing on a dedicated merchant account, with real underwriting, recurring-billing tooling, and 500+ integrations.
Get StartedBuilt for card-not-present
Online credit card processing underwritten for e-commerce, subscriptions, and digital sales.
Stable, dedicated merchant accounts
Your own MID, not a shared pool that freezes when a peer in the aggregator mis-steps.
500+ integrations
Connect your cart, checkout, CRM, and subscription tools. Hosted checkout available.
Recurring billing done right
Auto-rebills, failed-card retries, secure vaulting, and dunning for subscription revenue.
Card-not-present and ecommerce merchants:
Card-not-present setup tuned for your cart, your AOV, and your risk profile.
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.
| Feature | Easy Pay Direct dedicated account | Payment Facilitator / PayFac     |
|---|---|---|
| Underwriting | Real underwriting for your business model | Boilerplate TOS that shuts accounts off later |
| Account stability | Dedicated MID, stable long-term | Shared pool, frozen after one flag |
| Card-not-present fit | E-commerce, subscriptions, digital sales | Generic checkout only |
| Recurring billing | Auto-rebills, retries, vaulting | Basic charge, limited retry logic |
| Integrations | 500+ including popular carts and CRMs | Generic checkout only |
| Support | Dedicated account manager | Support ticket queue |
For most online operators, the cheapest processor is not the one with the lowest headline rate. It is the one that will actually approve the business, keep the account open through normal volume, and support recurring billing without dropping the MID.
We structure approvals around your business model to ensure long-term payment stability.
Apply
Submit your business details.
Verify
Upload supporting documents
Underwriting
Our bank relationships, your advantage
Go Live
Start processing with confidence Plus continued optimization and support
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.
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
Issuer declined
3D secure failed
Timeout
Card expired
Operators like Frank Kern, Dean Graziosi, Amy Porterfield, Perry Belcher, Ryan Deiss, Hal Elrod, and Roland Frasier have processed with Easy Pay Direct, among 100,000+ businesses.
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
"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!"
Answers to the most common questions about online credit card processing, card-not-present accounts, and recurring billing.
What is online credit card processing?
How does credit card processing online work on Easy Pay Direct?
Can I accept credit cards online with a subscription or recurring billing model?
What do I need to process credit cards online with Easy Pay Direct?
How do I choose credit card processors online for my business?
What are internet credit card payment processing fees?
Can I accept credit card payments online instantly after approval?
Does Easy Pay Direct work with credit card processing for online business in high-risk verticals?
Do you support credit card processing on website and custom checkouts?
Is there a cheap online credit card processing option that is still stable?
