Stable, Scalable Credit Card Processing for Small Business
Get approved in 24–48 hours with transparent pricing, smart routing, and real human support, backed by 30+ banking partners.
Underwriting-grade stability
Chargeback support
Single point of contact
- Worry less about freezes with underwriting-grade stability
- Built-in chargeback support and decline recovery tools
- Smarter transaction routing to reduce declines and downtime
- Backed by 20+ years of industry experience
No obligation, fast approval, real support
Trusted by Businesses Nationwide
Featured by leading publications and trusted by thousands of small business owners
Simple, Transparent Pricing You Can Trust
Clear pricing and honest terms, so you always know what to expect.
Underwriting-Grade Stability
Every account is set up the right way from the start, reducing the chance of freezes or disruptions.
30+ Banking Partners
We match your business with the right bank, giving you more approvals and room to scale faster.
Chargeback & Decline Recovery
Built-in tools help you fight chargebacks, recover declined transactions, and protect your margins.
Merchant-First Support
Real people, real answers. Our U.S. team helps you solve problems fast and plan for growth.
A Clear, Risk-Aligned Approval Process
We structure approvals around your business model to ensure long-term payment stability.
Step 1
Apply
Submit your business details.
Step 2
Verify
Submit your business details.
Step 3
Underwriting
Submit your business details.
Step 4
Go Live
Submit your business details.
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
2.69% + $0.36
per transaction
Monthly Fee
2.69% + $0.36
per transaction
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
What Our Clients Say
Join 30K+ small businesses that trust Easy Pay Direct for stable, scalable payment processing.
Rated 4.8 / 5 on Trustpilot
30K+ Businesses
$12B+ Processed
“We switched to Easy Pay Direct after multiple freezes with Stripe. They handled everything quickly and got us approved within two days. Haven’t looked back since.”
Sarah L.
Founder, BoldFit Apparel
“The team actually understands high-risk industries. They walked us through underwriting and helped reduce chargebacks by nearly 30%.”
Jason M.
CEO, Growth Edge Media
“Customer support is top-notch. When we needed help integrating multiple accounts, they handled it same-day.”
Maya R.
Operations Manager, Core Coaching
Small Business FAQ
Plain answers to the questions we get most from small businesses.
Which gateways and shopping carts do you support?
We connect with major platforms like Shopify, WooCommerce, ClickFunnels, Kajabi, and most leading CRMs and billing tools. If you have a specific integration, we can check compatibility during setup.
Can I switch from Stripe or PayPal without downtime?
Yes. We help you migrate with minimal disruption. You can run accounts in parallel while DNS, webhooks, or subscriptions are moved over.
What is your pricing structure?
Easy Pricing for online cards is 2.69% + $0.36 per transaction. Setup fee is $99 and can be waived if documents are submitted within 24 hours. Monthly fees typically start around $25. Custom interchange plus pricing is available for higher volume merchants.
How fast can I get approved?
Most businesses are approved in 24 to 48 hours once documents are submitted.
Will I have a reserve or rolling hold?
It depends on your industry, chargeback history, and volume. If a reserve is needed, we work to keep it as small and short as possible and review it for reduction as you process cleanly.
How do you help with chargebacks?
We include tools and guidance to prevent and fight chargebacks.
- Early alerts so you can refund or respond quickly
- Dispute templates and best practices
- Reporting to spot friendly fraud and fix root causes
Open Your Small Business Merchant Account
Start processing payments the right way, with fewer freezes, faster approvals, and support from real people who know your business.
Secure • PCI Compliant • No Hidden Fees
