Payments your platform was built to handle

Q: Do I need to be an approved partner to start building?

No. The sandbox is open from the moment you create an account. You get a Demo Company with test keys (epd_test_sk_...) automatically. Partner approval is only needed when you are ready to accept real money.

Q: What is the difference between sandbox and live mode?

There is no separate sandbox host. Every request goes to https://api.epd.com/v1. The key prefix decides the mode: epd_test_sk_ runs in sandbox, epd_live_sk_ runs in live. This means the same code path works in both environments.

Q: What languages and SDKs are supported?

The REST API works with any language that can speak HTTPS and JSON. The MCP server works with any MCP-aware client (Claude, Cursor, Continue, custom LLM agents). Code samples in the docs cover Node, Python, PHP, Ruby, Go, and curl.

Q: Can I onboard merchants in high-risk verticals through your platform?

Yes. This is one of the main reasons platforms integrate with us. We underwrite nutraceuticals, CBD, kratom, firearms, continuity, coaching, adult, tobacco, gaming, credit repair, and 40+ other verticals other processors reject. Partner-tier merchants get prioritized underwriting.

Q: How do webhooks work?

For anything asynchronous (settlement, renewals, chargebacks, refund completions), Easy Pay Direct POSTs a signed JSON event to an endpoint you configure. Every payload includes an HMAC signature so you can verify it came from us.

Q: Do I need to handle PCI compliance?

No. Card data is vaulted by Easy Pay Direct. You can use our hosted fields or tokenization endpoints so card numbers never touch your servers, which keeps you in PCI-DSS SAQ A scope.

Q: How does the MCP server work?

The MCP (Model Context Protocol) server exposes commerce actions as typed tools that LLM agents can call directly. Connect Claude Desktop, Cursor, or your own agent with a single config block, and the agent can create charges, look up orders, issue refunds, and manage subscriptions, all with the same auth and audit trail as the REST API.

Q: How does the partner program work?

When you are ready to ship, we sign a partner agreement that defines revenue share on every merchant you onboard. Partners get a dedicated relationship manager, priority underwriting, co-marketing, and access to the same internal systems our team uses. There is no fee to become a partner.

Embed Easy Pay Direct into your SaaS, marketplace, or app with one REST API, an MCP server for AI agents, and 14 years of underwriting expertise for the verticals other processors reject.

Talk to a Specialist Read the Docs

request.http response.json 201 142ms

▍


  "id":          "ch_8Hf2qX9mRt",
  "object":      "charge",
  "amount":      4900,
  "currency":    "usd",
  "status":      "succeeded",
  "customer":    "cus_Hf2qXmR9",
  "description": "Pro plan — monthly",
  "created":     1714900823,
  "receipt_url": "https://pay.epd.com/r/…"

100,000+

Businesses

$12B+

Processed

Since 2012

Underwriting

Who this is for

SaaS and Vertical Software

Embed payments inside your product so your customers never leave. Subscriptions, one-time charges, refunds, payouts.

Marketplaces and Platforms

Onboard sellers, split payments, manage payouts. Designed for two-sided platforms that move real volume.

Agencies and Builders

Ship checkout flows for your clients on infrastructure you can trust. Sandbox in five minutes, no commitment.

Why builders pick Easy Pay Direct

MCP server, not just an API

We ship a Model Context Protocol server alongside the REST API. Claude, Cursor, and your own LLM agents can run real commerce tasks against Easy Pay Direct with typed tools and no glue code.

Sandbox in five minutes

Every new account is provisioned with a Demo Company and sandbox keys automatically. Build, test, and demo your integration before you talk to anyone about a partner agreement.

Approved where others reject

Nutraceuticals, CBD, kratom, firearms, subscription continuity, high-ticket coaching, adult, and 40+ more verticals other processors decline. Our underwriting team has been doing this since 2012.

One key, one base URL, one version header

No separate sandbox host. Mode is decided by your key prefix (epd_test_sk_ vs epd_live_sk_). Pin requests to a version date with the epd-version header. Upgrades never break in production.

How it works

Get a sandbox key

Provisioned automatically. No partner approval needed.

Build against the API or MCP server

One base URL. Any language. Real responses.

Go live and start earning

Live keys move real money. Partners earn revenue share.

From one charge to a full marketplace

One-time payments

Charge a card once, confirm via webhook. ~15 minutes to first transaction.

POST /v1/charges

$49.99

succeeded

webhook · charge.succeeded

Subscription billing

Plans, trials, automatic retries, dunning. ~30 minutes to a working recurring flow.

$29.00 / mo

Jun 1 · $29.00 paid
Jul 1 · $29.00 paid
Aug 1 · $29.00 paid

Refunds and disputes

Full or partial refunds against any paid order. ~5 minutes to wire up.

POST /v1/refunds

order $49.99 paid

- $49.99 refunded

AI-driven commerce

Typed MCP tools, reachable from Claude, Cursor, or any MCP-aware client. ~7 minutes to your first agent-driven charge.

▸ agent: charge $50 to card

charges.create()

ch_1Q3xK2 · succeeded

Verticals other processors reject. We approve them every day.

The reason most platforms cannot accept the merchants they want is underwriting, not the API. Easy Pay Direct has been underwriting complex, large-ticket, and high-risk verticals since 2012. When your customers come to you with a business that another processor turned down, we are the answer.

You don’t need a dev team. You just need a goal.

Build it yourself

Full REST API reference at docs.api.epd.com. Every endpoint, every field, every response code, open and interactive.

Build it with an agent

Point Claude, Cursor, or any MCP-aware agent at the Easy Pay Direct MCP server and describe what you want. The agent writes the integration, runs it against the sandbox, and hands you working code.

Signed webhooks, real reliability

Every asynchronous event (settlement, renewals, chargebacks) is signed and verifiable. Webhook reliability is in the SLA.

Read the Docs

Build first. Earn when you ship.

You do not need a partner agreement to start building. Sandbox keys are free, the docs are open, and the MCP server works from day one. The partner conversation happens when you are ready to put real money through the platform.

When you sign as an Easy Pay Direct partner, you earn revenue share on every merchant that processes through your integration. Partners get a dedicated relationship manager, co-marketing, priority underwriting on the verticals listed above, and access to the same systems our internal team uses.

Talk to a Specialist

Frequently Asked Questions

Do I need to be an approved partner to start building?

What is the difference between sandbox and live mode?

What languages and SDKs are supported?

Can I onboard merchants in high-risk verticals through your platform?

How do webhooks work?

Do I need to handle PCI compliance?

How does the MCP server work?

How does the partner program work?

Ready to ship?

Get a sandbox key in under five minutes. Talk to a specialist when you are ready to go live.