High-risk merchant services
Easy Pay Direct is an Austin-based merchant account provider and payment gateway for high-risk, subscription and high-ticket businesses, with multi-MID routing, a published starting rate and 500+ cart and funnel integrations.
Strengths
Watch out for
Best for
US or Canadian high-risk, subscription or funnel-based merchants who want multiple MIDs on one gateway.
| Type | High-risk merchant services |
|---|---|
| Pricing model | published starting rate, custom quote for higher volume |
| Card rate | 2.69% + $0.36 |
| International | Not published |
| Monthly fee | Typically $25, varies by business type and volume |
| Setup fee | $99, waived if documents are submitted within 24 hours |
| Chargeback fee | Not published |
| High-risk businesses | Yes |
|---|---|
| Dropshipping | Not published |
| Reserves | Case by case. Some high-risk accounts carry a reserve, typically a six-month rolling reserve (funds held at least 180 days); others carry a capped reserve. |
| Payout speed | Often 2 to 3 business days |
|---|---|
| Merchant countries | United States and Canada. The UK page says UK-based businesses are not yet accepted. |
| Currencies | USD; CAD settlement for Canadian accounts |
| Shopify | Third-party gateway |
|---|---|
| WooCommerce | Yes |
| Subscriptions | Yes |
| One-click upsells | Yes |
| Apple Pay | Yes |
| Multiple MIDs | Yes |
| Token portability | Not published |
The rate card appears on the Shopify, high-risk and Canada pages. The high-risk page FAQ also says Easy Pay Direct uses interchange-plus pricing and that effective rates vary by vertical, volume, card mix and chargeback history, so confirm which model applies. Every account includes chargeback tools and decline recovery.
Publishes pages for CBD, nutraceuticals, kratom, adult, firearms, continuity/subscription and other high-risk verticals. No dropshipping page was found; the homepage mentions businesses with future delivery or delayed fulfillment. The FAQ recommends a second merchant account above $250,000 in annual volume.
The help center says some accounts may qualify for next-business-day funding with a daily settlement cutoff, and that the acquiring bank sets the final schedule. ACH settles more slowly than cards.
The shopping cart page says merchants connect Easy Pay Direct to Shopify as an external gateway, as an alternative to Shopify Payments. It lists 500+ integrations supported via the NMI framework, including WooCommerce, ClickFunnels, SamCart, Sticky.io, Kajabi and GoHighLevel. One-click upsells are listed through SamCart. Also offers a REST API and a hosted MCP server.
Easy Pay Direct sources · checked 2026-10-21