Accept Payments Online Without Worrying About Your Account Getting Closed
Stripe, PayPal, and Square close merchant accounts without warning. Easy Pay Direct takes a different approach — proper underwriting upfront so your account stays stable long-term.
Why standard payment processors put your business at risk
Most payment processors — Stripe, PayPal, Square — are PayFacs. They set you up instantly without reviewing your business. The problem: they audit your account later. If they don't like what they find, they restrict your funds, hold payments, or close your account without notice.
This affects businesses you wouldn't expect: anyone processing over $50K per month, subscription businesses, high-ticket services, or any industry they consider "higher risk" by their own arbitrary rules.
Easy Pay Direct does the work upfront. Proper underwriting before setup means your account is matched to the right bank for your business — and stays open.
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Easy Pay Direct
STABLE MERCHANT ACCOUNTS WITH PROPER UNDERWRITING
Easy Pay Direct underwrites your account before setup. Their specialists review your business model, understand your industry, and match you with the back-end bank best suited for your vertical. This dramatically reduces the chance of restrictions, fund holds, or account closures — for the lifetime of your account.
- Full business underwriting before account setup
- Single dedicated point of contact for your account
- Transaction routing to maximize payment approval rates
- Decline recovery tools
- Chargeback mitigation
- Hosted checkout
- Recurring billing support
- Mobile payments
- 250+ integrations
- Serves nearly every vertical — including high-risk industries
- Ongoing account optimization: lower decline rates, chargeback monitoring
BEST FOR: Businesses processing $30K+/month · Subscription businesses · High-ticket products and services · Industries restricted by Stripe, PayPal, or Square
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Frequently Asked Questions
Why would Stripe or PayPal close my merchant account?
PayFacs like Stripe and PayPal don’t underwrite accounts upfront. They review businesses after the fact — and may restrict or close accounts for reasons including high volume, subscription billing, certain industries, or even unrelated activity from other businesses in the same category.
What industries does Easy Pay Direct work with?
Easy Pay Direct serves nearly every vertical, including industries that PayFacs routinely restrict — such as high-ticket coaching, supplements, subscription boxes, digital products, and more. Their underwriting process determines the right bank for your specific business.
What does the underwriting process involve?
Easy Pay Direct reviews your business model, website, and marketing to understand how you operate. This takes a short amount of time upfront but significantly reduces risk of account issues later.
Is there a minimum processing volume?
Easy Pay Direct is best suited for businesses processing $30,000 or more per month. If you’re below that volume, they can still advise on the right solution.
Stop worrying about payment processor shutdowns.
Create your BusinessAnywhere account and connect with Easy Pay Direct from your dashboard.