Easy Pay DirectReviews of easypaydirect.com

I tried to setup a merchant account with Easy Pay Direct. I look for payment processing options, based on published rates and online reviews It looked like Easy Pay Direct would be a good option for our needs. The online application process was ok until you get emails from their AI agent. That AI agent keeps providing conflicting information. You ask questions and it completely fails to answer them. You just keep going in circles. When you try to get an actual person involved you just get another AI agent response. I get calls sales calls from payment processors every day. I can't believe it is so hard to get accurate and consistent information from Easy Pay Direct considering the competitive payment processor market.

Easy Pay Direct and their acquiring bank Maverick Payments closed our merchant account and are holding our funds based on a false claim of “lack of response to requested documents.” This statement is factually incorrect. All requested documents were submitted promptly, completely, and with proof. Despite full cooperation, our account was closed and funds were placed on hold without transparent justification. ⸻ Detailed Complaint Our merchant account was conditionally approved and subsequently placed under review by Maverick Payments. During this review, we were requested to provide additional documentation. We complied immediately, submitting all requested materials on the same day (or next business day at the latest). The documents provided included, but were not limited to: • Signed invoices / contracts • Signed credit card authorization forms • Full cardholder details • Detailed service descriptions and fulfillment status • Supporting compliance documentation We possess email confirmations, timestamps, and screenshots clearly demonstrating timely submission and full cooperation. Despite this, Easy Pay Direct / Maverick Payments later stated that the account was closed due to: “Lack of response on requested additional documents.” This justification is demonstrably false and directly contradicts the documented communication trail. ⸻ Primary Issues 1. False Closure Reason The stated reason for closure (“lack of response”) misrepresents the factual history of the account and our documented cooperation. 2. Funds Held Without Transparency Our funds remain held in reserve by Maverick Payments, with no clear or documented release timeline, only vague references to “30+ days” without contractual clarity. 3. Lack of Communication After document submission: • No confirmation of review completion was provided • No deficiency notice or escalation warning was issued • Emails and support tickets went unanswered for extended periods 4. Operational Harm The sudden closure and fund hold caused immediate disruption to our business operations, cash flow, and ability to operate. ⸻ Pattern of Conduct Following this experience, we reviewed public complaints on BBB and other platforms. The pattern is consistent across many cases: • Accounts closed shortly after approval • Claims of missing documents despite merchant cooperation • Extended fund holds • Poor or nonexistent communication This suggests a systemic issue, not an isolated incident. ⸻ Desired Resolution We respectfully request: 1. Written correction or retraction of the claim that the account was closed due to “lack of response” 2. Clear, written explanation of the actual reason for account closure 3. Written confirmation of the reserve amount held and a defined release timeline 4. Confirmation that our cooperation record is accurately reflected in Maverick Payments’ internal notes We are not refusing standard reserve procedures; however, we object to: • Inaccurate justifications • Lack of transparency • Prolonged silence after full compliance ⸻ Conclusion We acted in good faith, complied fully, and provided all requested documentation promptly. The closure reasoning provided by Easy Pay Direct / Maverick Payments is inaccurate and unsupported by the facts. We are submitting this complaint to BBB to seek transparency, factual correction, and resolution.

Waste of time

I could give zero stars, I would. After waiting over a month and a half for a merchant account approval, Easypay Direct managed to deliver nothing but frustration. They declined my application for two absurd reasons: 1. “No online presence” – I do have one, and they never once asked me for proof. 2. Signing a legal document in another country – which happened only because I’m on vacation, something they could have clarified with a simple question. To make matters worse, I got hit with two hard credit inquiries for this nonsense. That’s a direct hit to my credit score for absolutely no reason. The whole process was a ping-pong game from one agent to another, each seemingly clueless about the last conversation. And when it all fell apart, they shifted the blame onto their “bank partner” instead of taking any responsibility. Easypay Direct wasted my time, damaged my credit, and showed zero professionalism. Avoid them if you value your time, credit score, and sanity. Edit: again the response is unrelated to my actual complaint about Easypay Direct. Is this how complaints and issues are handled! It is not simply about whether my application was approved or declined — the real issue is the lack of transparency and honesty in the process. At no point was I given the opportunity to provide additional information, clarification, or explanation to address any concerns. Instead, the decision appears to have been made without any dialogue or attempt to understand my specific circumstances. This approach does not reflect the kind of fair and open process that applicants should expect, and it leaves me with the impression that my case was dismissed without due consideration. I believe that even if an application is ultimately declined, the process should be handled in a way that is transparent and respectful, allowing for meaningful communication before reaching a final decision. Truly impressive!

Terrible payment platform. Hidden monthly fees and “early termination fees” that were never mentioned but hidden in contracts. Didn’t have a payment come through the processor for months and was getting charged hundreds per month without any notice. Stay away or make sure to vet properly and ask lots of questions. Scrutinize the fine print or suffer the consequences

Easy Pay does not report to the three major credit reporting agencies. I was told this after months of writing, emailing and calling that they stopped doing this. So, getting a loan through them, making payments and paying a loan off will be of no benefit to you. This is on top of the egregious interest rates. They have nothing to offer.

SCAM - words cant explain how much i hate this company. Horrible sales reps just try to sign up anyone.

Horrible company. I started using them in June 2023 and in the beginning it was great. I got a lot of support and response times were very quick. After awhile I had issues and would reach out and it would be days before getting a response. In April 2024 they informed me that my account was going to be suspended and that there was nothing they could do. I was told it was an issue with a group of merchants and the processing company was shutting them down. However they told me I could still run transactions while they find a new provider. On May 15th, I was locked out and was unable to process payments and was unable to retrieve my statement reports to submit with a new processor. And they are holding about $30k worth of funds until Oct. But even worse 3 months after my account is shut down my account gets hacked and someone tries to run hundreds of fraudulent transactions. Overall it was a horrible experience