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In this review of Easy Pay Direct, we take a closer look at the company’s credit card processing services. Their offerings include high risk merchant accounts, point-of-sale systems, mobile payment options, and e-commerce features. We’ll highlight which types of businesses may benefit most from these services. We’ll also review client and customer feedback to identify common trends and concerns. In addition, we’ll cover pricing, contract terms, and included services. By the end, you’ll know whether Easy Pay Direct is the right fit for your payment processing needs.
About Easy Pay Direct
Easy Pay Direct Homepage
Easy Pay Direct is a merchant account provider headquartered in Austin, Texas.
Easy Pay Direct Products and Services
Payment Gateway
The company primarily functions as an online payment gateway provider that matches standard and high-risk merchants with credit card processors that 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 back-end processing. They also offer other services including POS systems, mobile payments, EMV compliance, e-commerce solutions including shopping carts, and cash advances and loans.
Customer Reviews & Sentiment
Clean Complaint Record
Currently, there are no Easy Pay Direct reviews found that label the company as a scam or ripoff. Easy Pay Direct primarily functions as an online gateway provider, rather than a traditional Independent Sales Organization (ISO). This distinction may result in fewer direct complaints about the services provided by its associated processors. Therefore, it may not yet meet the criteria for a top-rated processor for customer service. We encourage you to share your experiences in an Easy Pay Direct review in the comments below.
Easy Pay Direct Lawsuits
No significant class-action lawsuits or FTC complaints have been found against Easy Pay Direct. Merchants seeking non-litigious solutions can explore reporting to appropriate supervisory organizations.
Industry Scores & User Ratings
Online Ratings Summary
PaymentPop
3
BBB Rating
N/A
Trustpilot
4.3
Google Maps
4.8
Average Rating
4.03
PaymentPop Rating for Easy Pay Direct
Negative Feedback
BE AWARE: I experienced the most rude and worst customer service ever. A representative named Bobby called me to set up my account, and he was the most ignorant and arrogant customer service agent I’ve ever encountered.
Positive Feedback
They were very easy to work with and the team is incredibly knowledgeable. After being kicked off stripe for being too high risk I went on the hunt for someone reliable. I learned many things through the process of signing up, such as companies like Stripe don’t actually give you a merchant account; you are using theirs. Which is part of why they can just shut you down randomly. If you are trying to scale a business quickly I highly recommend easy pay direct.
Easy Pay Direct BBB Rating
Easy Pay Direct currently has no rating with the Better Business Bureau but is no longer an accredited business. Previously it had an “A+” rating, and it had been since January of 2015 at the time of our last review. Easy Pay Direct has not accumulated any complaints on its BBB profile. In general, merchants should be aware that there is reason to be skeptical of the BBB’s reviews.
What Merchants Say
Easy Pay Direct has previously received 2 reviews through the BBB. 1 review was positive while the other was negative. The most recent review was left by a merchant accusing the company of continuing to bill them after their account had been canceled:
Customer communication practices are deceptive and abusive. Refused to stop billing on cancelled accounts. No one answers the 1-800 number and you get different people on email who give you the run around. Their processing service paired us up with poor vendors and Easy Pay is simply a broker in the middle. They continue to bill us post cancellation and will not stop. Run for the hills.
Merchants in this situation should understand how to cancel their account without paying a fee.
An “A” Performance Overall
In light of the company’s clean complaint record and time in business, we agree with the BBB’s former rating at this time.
Trustpilot Rating for Easy Pay Direct
Easy Pay Direct has a 4.3 out of 5 star rating based on 40 user reviews on Trustpilot.
Positive Feedback
I’ve worked with other processors that were all about hidden fees. Easy Pay Direct is transparent and always has my back.
Negative Feedback
Extremely dissatisfied. After two weeks I still don’t have anything set up. I emailed them all of my personal bank documents and don’t hear back from them for days.
Google Maps Rating for Easy Pay Direct
Easy Pay Direct has a 4.8 out of 5 star rating based on 56 user reviews on Google Maps.
Positive Feedback
These guys are amazing! Super helpful and understanding. They went the extra mile to understand our business and make sure we were taken care of. You really get personal service with them and they support all types of businesses. I cant recommend them enough, and the rates are good too.
Negative Feedback
Terrible company! Wasted months of my time and then continued to take fees after the bank they signed me up with to process our payments through said we had only 30 days to process. Completely frustrated and now we are done doing business. Dont waste your time with these guys like I did. Because of these tiny fees you just lost potential customers.
Processing Rates & Fees
Variable Contract Terms
A company representative has stated that 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 case in which the company might charge an early termination fee is when it places a merchant with an offshore provider. This is similar to the providers of the best merchant accounts.
Tiered Pricing
Easy Pay Direct lists a setup fee of $99, a monthly fee of $24.95, a swiped rate of 1.59% plus $0.17, a keyed-in rate of 2.39% plus $0.29, and an ACH rate of 1.6% plus $0.29 per transaction. Although we believe that interchange-plus pricing is more favorable to merchants than tiered pricing, there are no Easy Pay Direct complaints in which customers state that they feel deceived by its tiered pricing plan. In light of this information, we are awarding the company an “A” in this category for the time being, but Easy Pay Direct is not considered to be a provider of the cheapest merchant accounts.
Virtual Terminal and Payment Gateway Pricing
In addition to its storefront payment processing services, Easy Pay Direct also dedicates a portion of its website to advertising its virtual terminal and payment gateway services. However, pricing is not disclosed on either of those services. Additional rates and Easy Pay Direct fees, including gateway fees, technical support fees, batch fees, and additional transaction rates typically apply to these e-commerce services.
CBD Merchant Account Pricing
Easy Pay Direct also serves CBD, hemp, and other cannabis merchants with credit card processing services. However, rates for these accounts are different than those set for other merchant accounts. CBD merchants in the US are charged a monthly fee of $29.99 and a flat rate of 4.99% plus $0.29 per transaction. Canadian merchants are also charged a monthly fee of $29.99 but a lower rate of 3.95% plus $0.29 per transaction. Easy Pay Direct offers lower pricing to merchants based on transaction volume. The company also provides gateway services for these accounts.
Easy Pay Direct offers e-commerce solutions including access to its payment gateway
Employee Reviews & Sales Practices
Mixed Approach
Easy Pay Direct primarily utilizes a combination of anaffiliate program, 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. This compares favorably to our list ofbest credit card processors.
Services for CBD and Hemp Merchants
According to the company’s website, Easy Pay Direct also specializes in proving merchant accounts to CBD and hemp companies doing business in the US and Canada. The company prides itself on serving these types of merchants since 2010. Businesses in the US are required to fulfill a monthly minimum of $100,000 in transactions, though no minimum is set for Canadian companies. The company advertises approvals for these types of accounts within 48 hours with processing of deposits within 24-48 hours.
No Deceptive Advertising
At the time of this review, some Easy Pay Direct rates are listed on their website along with a satisfaction guarantee that suggests both transparency and flexibility. However, If you suspect that Easy Pay Direct is charging you undisclosed fees, we recommend seeking a third-party statement audit to find and eliminate hidden fees. For now, we have awarded the company an “A” in this category.
Easy Pay Direct Competitors
Compare Easy Pay Direct to competitors that earned top marks.
Easy Pay Direct rates highly as a dependable merchant services provider based on our evaluation. The company partners with multiple processors, resulting in varying contract terms tailored to the specific needs of each merchant. This flexibility allows for a customized approach but also necessitates a thorough review of the terms offered. Remarkably, Easy Pay Direct has maintained a spotless record with zero complaints across consumer protection websites, an impressive achievement that has persisted since our initial review.
Despite this strong reputation, merchants should remain diligent in comparing Easy Pay Direct’s terms with those of other top-rated providers to ensure they receive the best value and service. While the company’s offerings are comprehensive and adaptable, it’s crucial for businesses to consider their unique needs and objectives when choosing a payment processor. The evolving landscape of merchant services demands a careful analysis, and merchants are encouraged to stay informed to make the best choice for their business operations.
