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
Frequently Asked Questions
Why would Stripe or PayPal close my merchant account?
Payment facilitators onboard you instantly without underwriting your business first, then review it after money starts moving. If your volume, chargeback rate or industry does not fit their risk profile, the account is shut down and funds can be held.
What is the difference between a PayFac and a merchant account?
A payment facilitator places you under its own master merchant account alongside thousands of other businesses. A dedicated merchant account is underwritten and issued in your own business name, so your standing is judged on your own activity.
What industries does Easy Pay Direct work with?
They place accounts for businesses that standard processors treat as higher risk, including subscription billing, coaching and consulting, ecommerce with high ticket sizes, and other categories PayFacs decline.
What does the underwriting process involve?
You provide business details, processing history if you have it, and supporting documents. Easy Pay Direct reviews them and matches your business to a bank whose risk appetite fits, before the account goes live.
Is there a minimum processing volume?
Requirements vary by the bank an account is placed with. Ask during the consultation, since the answer depends on your business type and expected volume.
Can a non-US resident get a US merchant account?
A US merchant account is issued to a US business entity, so you need the company formed and its EIN in place first. See business registration to form the company and EIN application to get the tax ID.
What happens to my money if an account is frozen?
A processor holding funds can withhold settlements for months while it reviews the account. The point of proper underwriting upfront is to keep the account from reaching that state.
Does BusinessAnywhere process payments?
No. We refer you to Easy Pay Direct and earn a commission when you sign up. You contract with them directly, and they set the rates and terms for your account.
Stop worrying about payment processor shutdowns.
Create your BusinessAnywhere account and connect with Easy Pay Direct from your dashboard.