There's no banking reason your money should sit in a processor balance for three business days. The card networks settle T+1; ACH clears overnight. The delay exists because processors earn interest on the float, and they've trained the industry to treat T+2 as 'fast.' For a small business running on tight margins, that gap turns a profitable month into a payroll problem. Self-custody fixes the structural issue — your money is yours from the moment a transaction clears.
Funds settle directly to bank accounts you own, not to an Easy balance. There's no 'processor account' for us to freeze, reserve, or delay — and no reserve negotiations when volume spikes.
Every account gets next-business-day payouts as the default — not as an upgrade, not after 90 days of processing history. Most competitors call this 'instant' and charge for it.
Need cash today for inventory, rent, or payroll? Pull funds instantly to any connected bank with a per-transfer fee. No upgrade, no application, no minimum balance.
Route a percentage of each transaction to your operating account, your tax-savings account, and your owner-draw account. Set the rules once; Easy handles the math.
Customer's card is authorized at checkout. The transaction shows in your dashboard immediately with the net amount you'll receive — no waiting for the batch to settle to see the number.
Overnight, the card network settles funds and Easy routes them — based on your split rules — directly to the bank accounts you own. No processor balance, no holding period.
Need money before the T+1 settlement? Trigger an instant payout from the dashboard. Funds arrive in your connected bank or debit card within minutes, including evenings and weekends.
It means Easy never holds your money. When a customer pays you, the funds settle directly to a bank account that you own and control. We're the gateway between the card networks and your bank — never the holder. Practically: there's no Easy balance to freeze, no reserve we can withhold, and no 'why is my payout paused' support ticket.
Instant payouts are a flat per-transfer fee, not a percentage. It's lower than what most processors charge for the same service, and there's no plan upgrade or monthly fee gating access to it.
Yes. Unlike most processors, we don't require a 30/60/90-day 'trust period' before unlocking faster payouts. Every account gets T+1 by default starting with the first transaction.
Yes. You can connect as many bank accounts as you want and set up routing rules — by percentage, by fixed amount, by product, or by channel. Each rule applies automatically as transactions settle.
Refunds debit from your connected bank, same as the original credit. Chargebacks are charged back to your bank when they happen and credited back when you win the dispute. There's no rolling reserve, so the cash position is always transparent in your accounting.
Get paid the day after a sale, not three days later. Move money on your schedule, not on someone else's payout calendar.
