Easy Labs, Inc

What Easy Labs, Inc does

Easy Labs, Inc. is a Delaware-incorporated financial technology company operating a self-custodial payment processing platform under the brand "Easy." The platform delivers multi-rail payment acceptance — credit and debit cards, ACH, RTP, wire transfers, and stablecoin — through a unified dashboard at app.itseasy.co, a REST API, and SDKs in JavaScript/TypeScript, React, React Native, Node.js, Ruby, and Python. The architecture is self-custodial by design: merchant funds route directly to accounts the merchant owns rather than to Easy, with claimed direct-routing settlement in 0.4 seconds, 98.9% transaction success, and 0.002% chargebacks. Underlying rails are provided by partners including Finix (processing), Basis Theory (PCI-compliant tokenization), DFNS (self-custodial wallet infrastructure), Brale (stablecoin infrastructure and cashback), and Plaid (bank linking).

The business model is transaction-based with no monthly fees or minimum volume. Card processing is priced at 2.7% + $0.30 (AMEX at 3.0% + $0.30), ACH at 0.5% + $1.00 capped at $4, and stablecoin acceptance at zero percentage fee plus network gas. Automation Cashback rewards on idle balances — quoted up to 4.50% APY — and an optional subscription-tier analytics module provide secondary revenue streams. Pricing is positioned publicly as cheaper than Stripe, PayPal, Chase, Square, Adyen, and Shift4.

Go-to-market is product-led growth and API-first, targeting two primary segments: US/Canada rate-sensitive mainstream businesses and crypto/Web3-native companies. Distribution runs through self-serve onboarding (most accounts approved in under 90 seconds), no-code checkout and payment links for non-developers, direct enterprise sales for volume pricing, and an SEO-and-comparison-page content strategy against Stripe and Square. All publicly named customer logos (Solana, Helium, NEAR Protocol, BitGo, Dfns, Marinade Finance, Chakra Labs, Devolution Capital, GD1 Crypto) are crypto/Web3-native, and the company is founder-led under Co-Founder & CEO Andrew Fisher with no disclosed institutional funding.

Name

Easy Labs, Inc

Legal name

Easy Labs, Inc.

Website

https://itseasy.co

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

1–10 employees

Short description

Easy Labs, Inc. operates "Easy," a self-custodial, multi-rail payment processing platform (card, ACH, RTP, wire, stablecoin) that targets US/Canada rate-sensitive businesses and crypto/Web3 companies via an API-first, product-led growth model with flat transaction-based pricing.

Ownership category

akta.pro rank

Product category

Payment Processing

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Payment Orchestration Platforms (FSAGABAA)

akta.pro secondary industries

Integrated Payment Processors (PSP/Acquirer) (FSAMABAA), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), Bill Pay, Invoicing & Payables Platforms (BPAMAFAF)

Keywords

• Payment processing platform
• Self-custodial payments
• Stablecoin payment rails
• Developer payment APIs
• Fintech payment infrastructure

Headquarters

HQ city

Saint Paul

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales

Revenue model

1. Card Transaction Processing: 2.7% + $0.30 per card transaction. Flat rate applies to both online and in-person payments with no monthly fees or subscription requirements. Earns cashback on idle balances from automation programs.
2. ACH Transfer Processing: 0.5% + $1.00 per ACH transaction with a $4 cap. Lower cost on large transfers compared to percentage-only pricing.
3. AMEX Card Processing: 3.0% + $0.30 per AMEX transaction. Higher rate for American Express cards due to network pricing.
4. Stablecoin Payments: No percentage fee on stablecoin transactions. Merchants only pay underlying network gas fees. Stablecoins treated as first-class payment method.
5. Automation Cashback Rewards: Variable cashback on processing volume, treasury management, and payment orchestration. Rate may change based on market conditions and processing patterns.
6. Business Intelligence & Analytics: Optional analytics services that leverage transaction data for insights and process optimization. Optional opt-in feature for advanced analytics.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

Easy Labs operates a self-custodial payment processing platform that enables US and Canada businesses to accept credit/debit cards, ACH, RTP, wire transfers, and stablecoin payments through a single API and dashboard. The platform combines a flat-rate transaction pricing model (2.7% + $0.30 for cards) with direct routing of funds to merchant-owned accounts, next-day standard payouts, and an automation cashback program that pays rewards on idle balances. Supporting modules include subscriptions, invoicing, treasury management, dispute handling, and business intelligence analytics, all delivered via REST API and SDKs without monthly fees or minimum volume requirements.

Product overview

Easy Labs, Inc offers a self-custodial payment platform that combines a unified payment processing core with modular billing, treasury, and analytics capabilities. The platform's primary offering is the Easy Dashboard, which serves as the central interface for managing payments alongside supporting modules for Subscriptions & Recurring Billing, Invoicing, Treasury & Payouts, and Business Intelligence & Analytics. The platform is delivered through REST APIs and SDKs (JavaScript/Node.js, React, React Native, Ruby, Python). Key differentiators include self-custodial wallet infrastructure, Automation Cashback rewards on idle balances, and flat-rate pricing (2.7% + $0.30). Additional features include Dispute Management, Embedded Checkout, Payment Links, and Customer Portal. The platform supports credit cards, ACH, RTP, wire transfers, and stablecoin payments.

Differentiator

Problem solved

Functional benefit

Products and services

• Easy Payment Processing Platform Self-custodial payment processing platform accepting credit/debit cards, ACH, RTP, wire transfers, and stablecoin payments from a single dashboard, with flat-rate pricing (2.7% + $0.30), next-day payouts, and direct routing of funds to merchant-owned accounts. Includes invoicing, subscriptions, analytics, and premium support in the base rate for businesses in the US and Canada.
• Easy API REST API providing programmatic access to all Easy platform capabilities including payments, subscriptions, invoicing, treasury, disputes, authorizations, compliance forms, webhooks, and analytics. Documented at docs.itseasy.co with clean endpoints and predictable responses for technical teams.
• Easy Platform SDKs Official SDKs for developers integrating the Easy platform, available in JavaScript/Node.js (@easylabs/node with dual ESM + CJS bundles), React, React Native (iOS and Android), Ruby (easy-sdk gem), and Python (easy-sdk via pip with pydantic v2 models). The SDKs wrap the full Easy Labs API for language-native integration.
• Easy Subscriptions & Recurring Billing Subscription and billing engine providing full lifecycle management including create, pause, resume, cancel, proration preview, metered usage reporting, and dunning configuration. Includes coupon and promotion code management.
• Easy Invoicing Invoice creation and management for one-off and recurring invoices, including PDF rendering, sending, and payment collection through the Easy payment rails.
• Easy Treasury & Payouts Money movement layer including linked bank accounts, ACH/wire deposits and withdrawals, recipient management, payout links, recurring payments, security rules, and approval workflows. Bank account linking is powered by Plaid.
• Self-Custodial Wallet Infrastructure Non-custodial digital asset wallet infrastructure allowing merchants to maintain control of their digital assets and private keys, with funds routed directly to user-owned accounts. Powered through the DFNS partnership and 100% backed by digital asset reserves held in segregated accounts, with stablecoin infrastructure via Brale.
• Easy Dispute Management Chargeback handling system enabling merchants to list and retrieve disputes, upload evidence, submit responses, and accept or contest disputes through the Easy platform.

Quantifiable outcome

• ~200/month savings on $100K monthly card volume vs Stripe
• +5 more outcomes

Named customers9 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature8 records

Partnerships

Five partnerships are on record, tiered core.

• SolanacoreTechnology or IntegrationSolana blockchain ecosystem partner. Trusted brand using Easy's self-custodial payment infrastructure for blockchain-native payment flows.
• DfnscoreTechnology or IntegrationEnterprise-grade wallet infrastructure provider. Easy partners with Dfns SAS for self-custodial digital asset wallet infrastructure. Merchants maintain control of private keys while using Easy's platform.
• FinixcoreTechnology or IntegrationPayment processing infrastructure provider. Easy partners with Finix, Inc. for payment processing infrastructure. Finix handles the underlying payment rails.
• Basis TheorycoreTechnology or IntegrationTokenization and data security provider. Easy uses Basis Theory, Inc. for PCI-compliant tokenization of payment card data. Basis Theory handles sensitive data with certified security protocols.
• BralecoreTechnology or IntegrationStablecoin and cashback solutions provider. Easy partners with Brale, Inc. for bank-grade financial instrument management and stablecoin infrastructure provisioning to enable Automation Cashback programs.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Block (Square): Square/Block offers a flat-rate card processor (3.3% + $0.30 free tier), Cash App, and seller software; it is named by Easy as a direct pricing comparator and competes for the same rate-sensitive SMB segment.
• Stripe: Stripe is the dominant global payment processor that Easy explicitly benchmarks against on pricing (2.9% + $0.30 vs Easy's 2.7% + $0.30) and feature breadth; both sell to developers via APIs/SDKs and compete for the same US/Canada SMB and enterprise volume.
• Adyen: Adyen is a global PSP/acquirer for enterprise omnichannel payments; Easy references Adyen on its homepage as a cost-overcharge incumbent and targets the same mid-market and enterprise merchants with multi-rail processing.
• PayPal: PayPal is a long-standing digital payments incumbent explicitly called out by Easy; it competes for SMB and online checkout volume and offers a comparable (but higher-fee) alternative to Easy's flat-rate model.

Emerging players

• Coinbase Commerce: Coinbase Commerce enables merchants to accept crypto and stablecoin payments with self-custody; it competes with Easy in the Web3 merchant segment for first-class stablecoin acceptance without surcharge.
• BitPay: BitPay is a long-standing crypto payment processor for merchants accepting bitcoin and stablecoins; comparable to Easy on stablecoin-first acceptance and cross-border Web3 merchant use cases.

Direct peers

• Checkout.com: Checkout.com is a global PSP serving large merchants with unified card and alternative payment method processing; comparable to Easy on multi-rail acceptance and developer-led integration for enterprise volume.
• Shift4 Payments: Shift4 is a payment processor for restaurants, hospitality, and e-commerce; named by Easy on its homepage as one of the high-cost incumbents it is undercutting on rate.

Others

• Finix: Finix is Easy's underlying payment processing partner but also sells payment infrastructure and TaaS directly to platforms; it overlaps on the developer-first PSP/infrastructure model and represents both a partnership dependency and a potential competitive threat.
• Plaid: Plaid is a financial data connectivity layer that Easy integrates with via Plaid Link for bank account linking in its Treasury module; it is an enabling/adjacent infrastructure provider rather than a direct competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/itseasyco
• LinkedInlinkedin.com/company/easy-labs-inc

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Easy Labs, Inc