Easy

Easy is a business payment processing platform built as a direct alternative to incumbents such as Stripe, PayPal, Square, and Chase. Its core pitch is a combination of lower processing fees, self-custody of funds, and cashback rewards on idle balances — a model that inverts the way traditional processors profit from merchant float. The Solana Foundation, Marinade, and Helium are listed among Easy's partners, and the platform supports stablecoin-based payment methods alongside conventional card rails.

The Problem: Merchants Pay Too Much and Own Too Little

Traditional payment processors charge merchants both in fees and in float. A merchant on Stripe at 2.9% plus $0.30 per transaction not only pays a rate above what Easy charges, but also gives the processor temporary custody of funds during settlement windows — typically 24 to 72 hours — while the processor earns interest on those pooled balances. Easy targets both pain points simultaneously: it charges 2.7% plus $0.30 per transaction on a flat, no-surprise rate, and it routes funds directly to accounts the merchant owns rather than holding them centrally.

How It Works

Easy describes its operating model as "direct routing with self-custody." When a customer pays through Easy, funds flow through Easy's gateway but settle into accounts that the merchant controls — not into an Easy-held omnibus account. This means merchants have instant access to settled funds rather than waiting for scheduled payouts.

The idle balance feature extends this logic: any cash sitting in a merchant's connected account earns cashback rewards at 4.50% APY, a yield that conventional processors capture for themselves. Easy's savings calculator on its homepage lets merchants enter their annual processing volume, average transaction size, and current processor to model the effective rate difference.

On the developer side, Easy provides a REST API, a React SDK (@easylabs/react), a Node SDK, and a no-code hosted checkout. The company claims most integrations take "an afternoon, not a quarter." Account onboarding requires a business type, EIN, address, and bank account; Easy states it approves most accounts in under 90 seconds using automated KYC/AML checks.

Payment Methods

Easy supports five payment method categories:

• Credit and debit cards — Visa, Mastercard, American Express, Discover
• ACH — standard bank-to-bank transfers
• RTP (Real-Time Payments) — instant bank-to-bank settlement via the RTP network
• Wire transfers — high-value domestic and international transfers
• Stablecoin-based payments — on-chain settlement, consistent with the platform's Solana ecosystem positioning

The stablecoin category is the most direct connection to Solana's infrastructure. Given the roster of ecosystem partners — Solana Foundation, Marinade Finance, Helium, Near, BitGo, Dfns, Chakra Labs, Devolution Capital, and GD1 Crypto — Easy's stablecoin rails likely incorporate USDC on Solana, though the public-facing documentation did not specify the exact stablecoin or chain at the time of writing.

Solana Ecosystem Fit

Easy sits at the intersection of traditional payment infrastructure and crypto-native businesses. Web3 projects and DAOs routinely need to accept fiat payments from customers, sponsors, or grant recipients while also managing on-chain treasuries. Easy addresses this by offering both conventional card/ACH/RTP rails and stablecoin settlement in a single merchant dashboard, reducing the need for separate fiat and crypto payment stacks.

The Solana Foundation's presence in Easy's partner list signals adoption within the broader Solana ecosystem. Marinade Finance — a liquid staking protocol with significant on-chain treasury activity — is also listed. For teams that hold USDC or other stablecoins on Solana and need to accept or send fiat payments, Easy represents a lower-friction bridge than piecing together a traditional processor with a separate on-chain payment layer.

Pricing and Competitive Position

Easy's stated rate of 2.7% plus $0.30 per transaction compares favorably against Stripe's standard 2.9% plus $0.30. The company positions the difference as compounding: the lower base rate, combined with idle-balance cashback instead of float capture, shifts the effective cost meaningfully for businesses with moderate to high transaction volume or large cash balances.

Unlike Stripe, Easy advertises no additional fees for invoicing, subscriptions, analytics, or premium support. New features are described as always included; new fees are not.

Status and Availability

As of mid-2026, Easy's main web platform is live and accepting signups. The developer documentation deployment was temporarily paused at the time of research. The Twitter account @itseasyco had no recent public activity. Easy does not publish information about its founding team on the public-facing site. The platform is available to businesses that can provide an EIN (indicating a US-first offering), though international availability details are not disclosed in the public FAQ.

No security audits or third-party certifications are referenced on the public site. Given that Easy operates as a payment gateway rather than a custodian, the primary trust model relies on direct account connectivity rather than asset custody guarantees.