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Payment Options
Two separate choices. Pick the processing rail that fits your business, then offer the checkout methods your buyers already use.
Two layers
Merchant processing rails
Rail 01
Auto-boarded. Built for getting started.
A fast path for low-risk businesses that are new or processing lower volume.
Not suited to high-volume, high-risk, regulated, or restricted businesses.
Rail 02
Fully underwritten. White-glove.
A stable, fully underwritten merchant account for nearly every vertical, with white-glove service.
Open to any business. The sooner your documents arrive, the sooner approval can happen.
All applications subject to review. Approval is not guaranteed. Volume figures are fit recommendations, not cutoffs.
Side by side
| Attribute | Process Now | Easy Pay Direct |
|---|---|---|
| How you board | Auto-boarding | Full underwriting |
| Typical approval | Same day, often within an hour | 1 to 3 days |
| Monthly revenue | Under $25,000 or just starting | $25,000+ recommended |
| Risk profile | Low risk only | Nearly every vertical |
| High risk, regulated, restricted | Not suited | Reviewed in underwriting |
| Service level | Streamlined | White-glove |
| Buyer payment methods | All listed methods | All listed methods |
Choose Process Now if
Choose Easy Pay Direct if
Buyer payment methods
Available on both Process Now and Easy Pay Direct.
Cards
The baseline every checkout needs.
Wallets
Pay using cards saved in Apple Pay.
Wallets
Pay using cards saved in Google Pay.
Wallets
For buyers who prefer their PayPal account.
Wallets
Pay from a Venmo balance or linked account.
Bank
Direct bank payments.
Financing
Four providers, at the cart.
Buy now, pay later
BNPL is integrated at the cart, on both rails. Financing terms and buyer eligibility are set by each provider.
Splitit
Klarna
Afterpay
Sezzle
Getting started
Volume, vertical, and how you sell.
Process Now or Easy Pay Direct, based on fit.
Prompt documents keep underwriting moving.
Offer the buyer payment methods you want at checkout.
FAQ
A processing rail is the merchant account that moves money to your business. EPD Commerce offers two: Process Now and Easy Pay Direct. A payment method is how your buyer pays at checkout, such as a credit card, Apple Pay, PayPal, ACH, or buy now, pay later.
Process Now is the auto-boarded option for low-risk businesses that are just starting or typically process under $25,000 per month. It is not suited to high-volume, high-risk, regulated, or restricted businesses.
Approvals are typically same day, often within an hour. Every application is still subject to review, and approval is not guaranteed.
Easy Pay Direct is the fully underwritten, white-glove option and a stable merchant account for nearly every vertical. Any business can apply. We recommend it for businesses processing $25,000 or more per month, but that is a recommendation, not a requirement.
Typical approvals take 1 to 3 days, depending on how quickly we receive your documents. The sooner documents arrive, the sooner approval can happen. Approval is not guaranteed.
Credit and debit cards, Apple Pay, Google Pay, PayPal, Venmo, ACH, and buy now, pay later through Splitit, Klarna, Afterpay, and Sezzle.
Yes. Every listed payment method is available on both Process Now and Easy Pay Direct.
Splitit, Klarna, Afterpay, and Sezzle. Financing terms and eligibility are set by each provider.
No. It is a fit recommendation. Process Now suits businesses typically under that volume, and Easy Pay Direct is recommended above it, but any business can apply for Easy Pay Direct.
EPD Commerce is in beta. Join the early access list and we will help match your business to a rail.
◆ Now in private beta
We respond within one business day.
◆ Now in private beta
EPD Commerce brings your operations, payments, and AI-discoverable products into one connected system.
EPD Commerce is a DBA of Easy Pay Direct LLC.
