Easy Pay Direct Overview

High Risk Specialists

Easy Pay Direct (easypaydirect.com) 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 backend processing.

Location and Ownership

Easy Pay Direct was founded in 2000, and the company’s director of operations is Jason DeBruler. Easy Pay Direct is headquartered at 2028 E Ben White Blvd, Ste 240-2006, Austin, TX 78741, and the company’s website does not list an acquiring bank at this time.

Easy Pay Direct Review Table of Contents

  • Sales & Marketing: Easy Pay Direct does not hire independent sales agents and has not received any complaints about its sales practices.
  • 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 zero complaints in the past three years.
  • 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

Easy Pay Direct Rates, Fees, and Costs

Standard Fees

Swiped Rate 1.59% + $0.17
Keyed-in Rate 2.39% + $0.29
Early Termination Fee Variable
PCI Compliance Fee Variable
Equipment Lease Terms None

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.

Response from Easy Pay Direct

Are you a representative of Easy Pay Direct? Add your voice to this section for free!

Easy Pay Direct Complaints & Customer Reviews

Key Points

Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A

Clean Complaint Record

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 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 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.

Response from Easy Pay Direct

Are you a representative of Easy Pay Direct? Add your voice to this section for free!

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

No Complaints or Reviews

Easy Pay Direct currently has an overall rating of “A+” with the Better Business Bureau and has been accredited since January of 2015. Easy Pay Direct has not accumulated any complaints on its BBB profile. It also has received zero informal reviews, although it should be noted that these reviews are not subject to verification by the BBB. In general, merchants should be aware that there is reason to be skeptical of the BBB’s reviews.

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.

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.

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.

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.

Phillip Parker is a former merchant services sales agent who believes the industry has been overrun by people who engage in fraud and deception in order to steal from hard working business owners. He created this website to help you avoid the bad players, save money on fees, and to get peace of mind with your merchant account. If you would like to help support his work, learn more about our cost reduction service. We can evaluate your statement, tell you exactly how much you're overpaying, and then help you dramatically reduce your fees with your current credit card processor. Looking to switch instead? See our list of the best merchant account providers.

Schedule a Consultation with Phillip

1 Review Leave Your Review for Easy Pay Direct Below

    Eliminate hidden fees and mistakes without switching merchant accounts. Get a free statement audit today to see how much you are overpaying.

  1. BackWoodz says:

    They do NOT process CBD accounts at all.

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