Easy Pay Direct
Easy Pay Direct Overview
Easy Pay Direct (easypaydirect.com) is a merchant services provider headquartered in Ann Arbor, Michigan. The company primarily functions as an online payment gateway provider that matches merchants with merchant accounts to most closely fit their needs. A company representative has stated that Easy Pay Direct is partnered with Electronic Payments Inc. (EPI), PowerPay, and various offshore providers for its processing networks.
Founded in 2000, the company offers debit and credit card processing, email invoicing, recurring billing, check and ACH processing, mobile payments, and online shopping carts. Additionally, Easy Pay also offers high-risk merchant accounts, point-of-sale devices and terminals, an online payment gateway through Network Merchants Inc., developer resources, and more. Easy Pay Direct’s website does not list an acquiring bank, but Electronic Payments Inc. is a registered ISO/MSP of Wells Fargo Bank, N.A., Walnut Creek, CA.
Easy Pay Direct Sales & Marketing Tactics | A
Easy Pay Direct primarily utilizes a combination of strategic partnerships and in-house sales agents to market its services. The company does not employ independent sales staff, and there are no negative Easy Pay Direct reviews that mention the company’s sales team.
The Easy Pay Direct website quotes different low rates across several of its pages, labeled as “swiped” card rates and “online” card rates. According to a company representative, the “swiped” rates that are advertised can be regarded as the company’s “Qualified” rates, while the higher “online” rates are essentially its “Mid-Qualified” rates. The website does not list Easy Pay Direct’s “Non-Qualified” rates, but the same representative stated that this rate is disclosed in the company’s intake calls. While the company’s website does not fully disclose its pricing in its advertising materials, it does appear that Easy Pay Direct makes an effort to educate merchants on the full fee schedule before signup.
Easy Pay Direct Costs & Contract Terms | A
A company representative has stated that the Easy Pay Direct provides services through Electronic Payments Inc., PowerPay, and various offshore providers. The terms of its agreements (including PCI Compliance fees, monthly fees, and rate structures) will therefore vary greatly from merchant to merchant. Although the company usually offers a standard service length of three years, the same representative stated that Easy Pay Direct almost always charges no early termination fee, which minimizes the impact of a long-term agreement. The only cases in which the company might charge early termination fees are when it partners a merchant with an offshore provider. Given this information and the total lack of publicly available complaints about Easy Pay Direct, we are awarding the company an “A” in this category for the time being.
Easy Pay Direct Complaints & Service | A
We are currently unable to locate any Easy Pay Direct negative reviews that accuse the company of being a ripoff or a scam. Although it does resell the services of several payment processors, Easy Pay Direct models itself as an online gateway provider more so than an ISO. As a result, the company likely will not receive many of the complaints that arise from the services offered by its processors. Easy Pay Direct’s clients are likely to receive customer support through Electronic Payments, since the company’s monthly statements provide a contact number for Electronic Payments. This seems to be a functional system, as merchants are not posting Easy Pay Direct complaints in public forums. In the absense of any complaints, we are awarding the company an “A” rating in this category.
Easy Pay Direct BBB Report | N/A
As of this review, Easy Pay Direct is not listed with the Better Business Bureau (BBB). We therefore will not take the BBB into account when assigning Easy Pay Direct an overall score.
Easy Pay Direct rates as a reliable merchant account provider according to our criteria. The company resells the services of multiple processors, so its contract terms are likely to vary significantly from merchant to merchant. Easy Pay Direct is showing zero complaints across all consumer protection websites, and a company representative has stated that setting up a profile with the BBB is not a priority at this time.
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