Easy Pay Direct Overview

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High Risk Specialists

Easy Pay Direct is a merchant account provider headquartered in Austin, Texas. 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.

Location and Ownership

Easy Pay Direct was founded in 2000, and the company’s founder and CEO is Brad Weimert. Easy Pay Direct is headquartered at 2028 E Ben White Blvd, Ste 240-2006, Austin, Texas, and the company’s website does not list an acquiring bank at this time.

Easy Pay Direct Review Table of Contents

  • Costs & Contract: Easy Pay Direct offers variable contract terms that depend on each merchant’s size and business type.
  • Complaints & Service: Easy Pay Direct has received fewer than 10 public complaints.
  • BBB Rating: Easy Pay Direct has an “A+” rating with the Better Business Bureau and has received 0 complaints and 2 reviews in the past 3 years.
  • Sales & Marketing: Easy Pay Direct does not hire independent sales agents and has not received any complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With Easy Pay Direct
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Products & Services Offered

Types of Businesses Served

  • Retail
  • Mobile
  • E-commerce
  • High risk
  • Offshore

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Easy Pay Direct Rates, Fees, and Costs

Key Points

Swiped Rate 1.59% + $0.17
Keyed-in Rate 2.39% + $0.29
Virtual Terminal Rate 1.00% - 4.99%
Payment Gateway Fee Undisclosed
CBD Account Rate (US) 4.99% + $0.29
CBD Account Rate (Canada) 3.95% + $0.29
ACH Rate 1.60% + $0.29
Setup Fee $99
Monthly Fee $24.95
Monthly Fee (CBD Accounts) $29.99
Early Termination Fee $0 (domestic accounts)

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.

Tiered Pricing

At the time this update, the Easy Pay Direct website 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 that advertises its virtual terminal and payment gateway services. However, pricing on either of those services is not disclosed. Additional rates and 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.


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Response from Easy Pay Direct

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Easy Pay Direct Complaints & Customer Reviews

Key Points

Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint Unauthorized Fees

Clean Complaint Record

We are only able to locate 2 negatives reviews about Easy Pay Direct. The most concerning complaint accused the company of withdrawing fees after the termination of their merchant services. Although it does resell the services of several payment processors, Easy Pay Direct models itself as more of an online gateway provider 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 and cannot qualify as a top-rated processor for customer service.

Easy Pay Direct Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against Easy Pay Direct. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

Easy Pay Direct Support Options

Easy Pay Direct offers in-house support for all accounts, and the company’s monthly statements also provide contact information for the merchant’s actual payment processor. This seems to be a functional support system, as merchants are not posting Easy Pay Direct complaints in public forums. In the absence of any complaints, we are awarding the company an “A” rating in this category.

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Response from Easy Pay Direct

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Easy Pay Direct BBB Rating Summary

Key Points - BBB

Product & Service Complaints 0
Billing & Collection Complaints 0
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery Complaints 0

Note: We have adjusted this company’s BBB rating according to our own standards. To better understand why we adjust BBB ratings, please see our Rating Criteria.

0 Complaints

Easy Pay Direct currently has an “A+” rating with the Better Business Bureau but is no longer an accredited business as 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 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 rating at this time.

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Response from Easy Pay Direct

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Truth In Marketing & Advertising

Key Points

Employs Independent Resellers No
Advertises Deceptive Rates No
Discloses All Important Terms No

Mixed Approach

Easy Pay Direct primarily utilizes a combination of an affiliate 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.

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 withing 24-48 hours.

No Deceptive Advertising

At the time this review, the Easy Pay Direct website lists some rate quotes and a satisfaction guarantee that suggest 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.

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Response from Easy Pay Direct

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Easy Pay Direct Marketing Example

Easy Pay Direct Logo

Our Opinion of Easy Pay Direct

A Solid Choice for Most Businesses

Easy Pay Direct rates as a reliable merchant services 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, a sterling record that has been in place since we first reviewed the company. Merchants are still advised to compare Easy Pay Direct’s terms to those of top-rated providers.

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Why I'm Qualified to Write About Credit Card Processing and Merchant Account Services

I'm a former credit card processing sales director who left the industry because I didn't like how it takes advantage of small business owners. It feeds like a leech on businesses and thrives by imposing fees that are nearly impossible to comprehend. Seeing a need for change, I left and built this website help business owners better understand the industry, research merchant services providers, and get refunds of excessive merchant account fees. My experience of working "behind the curtain" in the industry, and using that knowledge for good, has resulted in millions of dollars returned to hard-working small business owners as well as enterprise-level companies.

From the time that I starting working in the merchant services industry to when I left to create this website, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this "insider" knowledge to myself. To lift the fog, I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers on this website.

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4 Reviews Leave Your Review for Easy Pay Direct Below

  1. JAMES AUSTIN says:

    If you can DO NOT get involved with easypay! My score was low at the time and needed transmission repair. The company doing the work said they use easypay so I was in a bind and did it. A $2,500 loan so for 6 mo. paying the 9 payments all went to interest! i used my tax money and paid $750 and they still took interest off that. They made from me during that time period $1445.40 so when I went to pay it off they added a $83.96 to the payoff again for interest. They are a ripoff this should be illegal to take advantage of someone like that! When all said and done they pocketed $1,902.34 by the time I used another loan to pay them off! Get a loan somewhere else not from easypay they are thieves!!!!

    1. Brian Clark says:


      This list of merchant cash advance providers may help you find a better resource.

  2. jonathon says:

    Where do I begin. They set me up and charges me fees to process, I never had a single charge back in the whole 3 months I processed, then I received a letter stating i only had 30 more days to process. They wasted my time and took fees galore then after my processor was closed they still still took gateway fees. So I asked for a refund and was told management declined to refund a whole 10.00 !!!! Its not about the money its about the time you have wasted of mine so in return I will waste some more time and in return your gonna lose potential customers. Charging a one time for 3 months of service is also a scam!!!

    This post will help: Best High Risk Merchant Account Providers


  3. BackWoodz says:

    They do NOT process CBD accounts at all.

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