We help online businesses process payments smoothly and securely — even in complex or high-risk industries. From merchant account setup to chargeback mitigation, reserve negotiation, and compliance, we create payment strategies that reduce risk, resolve issues like frozen accounts or shutdowns, and support long-term growth with trusted banking relationships and expert guidance.
Stay ahead of disputes before they turn into chargebacks. Our real-time alerts, monitoring tools, and proactive strategies give you the time and insight to resolve issues quickly — reducing chargeback ratios, protecting your revenue, and safeguarding your merchant accounts from costly interruptions.
We analyze your traffic, billing, and processor setup to improve approval rates without compromising PCI compliance. By fine-tuning transaction routing and configurations, we help you recover lost revenue and boost daily transaction success — increasing your bottom line without additional marketing or ad spend.
Keep your customer data secure, compliant, and independent from any single processor. Our third-party vault lets you switch between merchant accounts or gateways without losing data or disrupting recurring billing — protecting your business from shutdowns and ensuring uninterrupted payments.
We leverage our global payment-processing network to negotiate better rates, lower reserves, and more favorable terms for your business. The result: transparency, flexibility, and cost savings that directly impact your bottom line.
We implement layered fraud-prevention tools and transaction monitoring systems to detect suspicious activity early and minimize friendly fraud. The outcome? Fewer disputes and chargebacks, reduced risk exposure, and stronger long-term processor relationships.
Most merchants only think about payments when something goes wrong — a freeze, a reserve, or a batch of declined transactions. At DirectPayNet, we design systems that prevent those issues before they happen, giving you stability, higher approval rates, and peace of mind as you scale.
Most merchants only think about payments when something goes wrong — a freeze, a reserve, or a batch of declined transactions.
At DirectPayNet, we design systems that prevent those issues before they happen, giving you stability, higher approval rates, and peace of mind as you scale.
DirectPayNet is led by Maria Sparagis, a payment industry expert with over 20 years of experience helping online businesses in nearly every vertical overcome complex processing challenges. From startups to established enterprises processing millions monthly, Maria has seen it all — and knows how to create solutions that last.
If you’re facing payment challenges or want to optimize your setup, explore Maria’s YouTube Channel for practical advice on payment processing, chargebacks, and scaling strategies.
For merchants processing seven figures or more per month who need specialized consulting, reach out to our team to see if working directly with Maria can help strengthen your payment infrastructure and unlock new growth opportunities.
Ready to Build a More Stable Payment Setup? Contact Us
Whether you’re in a high-risk or regulated industry, we make getting approved simple and keeping your business running even simpler. Our team works directly with trusted banking partners who understand complex business models, ensuring your payments stay stable, secure, and uninterrupted — protecting revenue while keeping you compliant.
We equip you with the tools and knowledge to minimize chargebacks before they happen—and fight them effectively when they do. From fraud filter setups to proven dispute response strategies, we help you stay below thresholds and protect your merchant account. We also connect you with trusted third-party solutions to strengthen your defenses without slowing down sales.
We go beyond approvals to optimize your gateways, routing, and processing setup for higher approval rates, fewer declines, and smoother transactions. Our experts analyze every step of your payment flow to reduce friction, unlock new revenue, and position your business for sustainable growth — all without needing to close accounts or switch processors.
Banking Partners – Access trusted domestic and offshore banking relationships that deliver reliable, compliant payment processing, no matter your risk level or business model.
Fast Approvals – Get your accounts approved and live in days, not months, with our hands-on guidance and direct bank connections.
Lower Reserves – We negotiate rolling reserve terms that protect acquirers without crippling your cash flow, keeping your business stable and scalable.
Chargeback Protection – Tools to keep your chargebacks under control and avoid termination.
Dedicated Account Manager – Get support from real payment experts who understand your business and are invested in your success, not a ticketing queue.
We serve businesses based in the USA, the UK, across Europe and the European Economic Area (EEA) as well as Canada. Whether you’re processing locally or looking to expand internationally, we can help set up the right payment infrastructure for your region and industry.
If you’re outside our areas of service, drop us a line and we can help you find the right payment processing partner for your business.
Yes! We will work with you and your current provider to transfer your customer data and subscriptions to our gateway. The process is simple and hassle free for you. We work with PCI compliant providers to ensure the transfer is done safely and securely without compromising any of your customer data.
You will not lose any customer data or subscriptions. Best of all, this is always YOUR data so we will never hold it ransom. You can move it to any provider at any time.
Yes, DirectPayNet can help. Many popular payment service providers like Stripe, Shopify Payments, and Square have very low risk thresholds and may shut down accounts quickly. If you’ve been shut down by your payment processor, it doesn’t necessarily mean you’re out of options.
However, if your business has been placed on the TMF (Terminated Merchant File) or MATCH list—a payment industry blacklist—it can complicate the approval process and require additional steps and documentation. We have experience navigating TMF and MATCH list businesses and will work with you to find the best solutions to get you processing again.
Yes, you can. We support international payment processing, allowing you to accept debit and credit card transactions from customers around the world. We’ll help set up the right merchant accounts and gateway configurations to support multi-currency payments, cross-border transactions, and region-specific compliance.
If you’re expanding globally or already serving international customers, we’ll ensure your setup is optimized for smooth, secure, and scalable payments.
We support a wide range of payment types tailored to your sales channels and customer preferences:
Need a specific payment option? Just ask our team. If we don’t already offer it, we’ll connect you with a trusted partner who does.
Yes. We offer gateway integrations with popular platforms like NMI, Authorize.Net, and many others. If you already have a payment gateway in place, we can integrate your new merchant account with it— no need to start from scratch. If you keep your current tech stack, we’ll ensure to do an audit so you have all the up-to-date features that will maximize your approval rate while keeping fraud in check.
We’ll help you configure or migrate your setup to ensure everything runs smoothly, whether you’re using an existing gateway or looking to explore better options.
US & International
Toll Free: US & Canada
United Kingdom
+1 (737) 317-4244
US & International
1-800-657-8272
Toll Free: US & Canada
+44 7447 194371
United Kingdom
