One of Inc 500’s Fastest Growing Companies of 2016 Learn More →
Advanced Fraud Tools

EMB is DSS 3.2 PCI compliant provider and offers the most advanced fraud tools to every merchant.

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Rated “A” by industry leading review site Card Payment Options Learn More →

We've teamed with Ethoca and Verifi to make Chargebacks a thing of the past.

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Rated “A” by industry leading review site Card Payment Options Learn More →

We can get you approved!

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Get approved for your high risk merchant account
In addition to aggressive pricing and superior customer support, we are a full-service, high risk provider that can set you up with business funding, chargeback protection, and a merchant account. Learn More →
EMB approves 99% of all applicants

Customer satisfaction is important to us, and our A+ ranking by the BBB shows it. We answer questions thoroughly and promptly do our best to exceed customers’ expectations.

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Your success is our success
We want you to get approved, and generating revenue fast.
We're here because of you
Our business is built solely on getting your merchant account set up quickly and working for you. Learn More →
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let our brand integrity speak for itself
We pride ourselves on quality, ethics and dedication. Our merchants reply on us because we are always there for them, you can too. Learn More →
Visa 3D Secure

EMB supports Visa’s 3D Secure standard to provide the safest environment for our merchants and their customer’s needs.

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The Payment Experts

What is a high risk merchant account?

Banks, Processors and Acquirers consider a merchant account "High Risk" because the High Risk Merchant Account poses either reputational risk or is prone to chargebacks.

EMB will get you approved today for a low or high risk merchant account at the most competitive rates.

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Play to Learn More about High Risk Merchant Accounts

Rated “A” by industry leading review site Card Payment Options

Maintaining an A+ rating with the Better Business Bureau

One of Inc 500’s Fastest Growing Companies of 2016

We Are High Risk Merchant Account Specialists

How the Process Works for High Risk Merchants

You try and fail to acquire a merchant account with a traditional, low risk provider.

Your business is considered high risk and you’re forced to find a new partner who specializes in high risk merchant accounts.

You connect with us and EMB uses our vast network and experience to get your application for a high risk merchant account approved very quickly.

You now have the freedom to start and grow your high risk business, on your terms with a high risk merchant account that you're happy with.

Need a High Risk Merchant Account ASAP? No Problem. Apply Today!

We Are a Full Service Provider

We do everything we can to stay ahead of our competitors, including offering the most aggressive pricing, the best services, and the best support and customer experience in the business. Our merchants are our top priority. Our high risk merchant accounts are our primary focus and handled with the highest respect and care that EMB is known for.

Merchant Accounts

Get Approved Quickly and Get Started with your High Risk Merchant Account Today

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Chargeback Prevention

Reduce Chargebacks, put money back in your pocket!

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iCheck

Immediate Payments from check-based transactions.

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Business Funding

Fast Approvals, get working capital in your account now!

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Your business has unique needs, we are unique solution.

EMB will get you approved today for a low or high risk merchant account for your B2B, eCommerce, or Retail business at the most competitive rates.

Sanj Kumar

Quick technical support and competitive rates – EMB is unbeatable!

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Terry McAvoy

An A+ experience with a quick application and no hidden fees.

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Marlin T. Roche

EMB helped our business grow and thrive.

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How do we compare to other providers?

We offer the most competitive pricing and the highest rate of approved high risk merchant accounts, with a full suite of services and an interactive online application process that's easy and efficient to use.

EMB

  • Approvals within 24/48 hours
  • High Risk Rates as Low as 2.99% *
  • High Risk Account Specialists
  • No Application or Setup Fee
  • No Annual Fees and No Gimmicks
  • Chargeback Protection Services
*2.99% pricing applies to qualified merchants. Mid-qualified and non-qualified rates can be higher. Contact us to get a free quote.

The Other Guys

  • Approvals within 24/48 hours
  • High Risk Rates as Low as 2.99% *
  • High Risk Account Specialists
  • No Application or Setup Fee
  • No Annual Fees and No Gimmicks
  • Chargeback Protection Services
See the Difference for Yourself

100% Secure

Rated "A" by Card Payment Options

We work hard to make sure we stand out in our industry, and it shows. All our interactions, whether with a long term client or one just browsing, we make sure that our service and ethic speak for itself. We are currently rated "A" by industry leading review site Card Payment Options.

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Rated A+ on BBB

Proud of our A+

We strive to meet the needs of all our merchants and go above and beyond expectations to ensure they're always satisfied. That their support questions and answered quickly and effectively. High risk doesn't have to mean everything is at risk, we pride ourselves on our customer service for high risk merchant accounts. In fact we are currently ranked A+ with the BBB.

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Fastest Growing

One of Inc 500's Fastest Growing Companies of 2016

Our dedication to you and our commitment to industry leading service as well as work ethic has resulted in this fine accolade. We continue to grow all thanks to you. The most important part of our day to day and the way we show our gratitude, is by creating even more opportunities for you to succeed and get the most out of your business.

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We Can Get You Approved!

Having trouble getting approved for your high risk merchant account? Did you know EMB approves 99% of all applicants!

We Specialize in High Risk

We offer high merchant accounts to all business types in high risk categories. Are you simply looking for the right partner to help push your business forward but are having trouble getting approved somewhere else? Let us fix that for you!

It Only Takes a Few Minutes

High Risk Means Riskier Business

Chargebacks are a major concern for High Risk merchants and is one of the main factors in lowered approval ratings. We've teamed with Ethoca and Verifi to make Chargebacks a thing of the past. Thanks to EMB - Your High Risk Merchant Account Specialists.

Verifi

Verifi reduces merchant risk by improving chargeback prevention and combating fraud without affecting customers and sales. Merchants can focus on profits, rather than fighting to retain their hard-earned revenue.

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Ethoca

Ethoca's Alert System reduces card-not-present fraud by creating a bridge between merchants and card issuing banks, giving merchants the power to prevent chargebacks. Get chargeback notifications in hours, instead of weeks.

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Stop planning and start earning

In a perfect world, we’d be able to spend all the time we needed to plan our perfect business. In today’s fast-moving economy, we don’t have that luxury. Don’t waste anymore time, click here and get your high risk merchant account.

Get started now!

Applying is Fast and Easy

Our proprietary online application software was developed with ease and simplicity in mind, not frustrating or vague like the others. It only takes a few minutes and requires some basic information. In the time it takes you to brew your morning coffee you can submit your application and let us get you started with your high risk merchant account.

Sign Up Now →

Still deciding on your high risk merchant account provider? That’s okay, we have a dedicated staff on hand ready to answer any questions you might have about the process. We love talking to our merchants and helping them launch their business.

Contact an Agent Now!
Frequently Asked Questions
What Are Merchant Cash Advances? +

Having a merchant account allows an account holder to take advantage of merchant cash advances. When a merchant is approved for an advance, the business agrees to receive a lump sum of cash in exchange for an agreed-upon percentage of future credit card sales.

How Much Does It Cost to Process Credit Card Transactions? +

Pricing varies depending on the merchant’s industry, past credit card processing history, the type of business seeking the account, average ticket sales, and average transaction volumes.

Do You Work With Merchants Who Have Poor Credit Scores or Have Had Merchant Accounts Terminated? +

Yes, EMB works with merchants who are building their credit, as well as those who have poor credit. EMB also approves merchants that have no credit card processing history and businesses that have lost their merchant accounts due to high chargebacks.

What Factors Are Used to Determine a Business’ Risk Level? +

Several factors influence a merchant’s risk level. Though only one factor likely will not get a merchant classified as high risk, a combination of these may: business size, location, and industry, credit score, credit card processing history, a industry’s reputation for excessive chargebacks, a prior history of high chargeback ratios, and whether a merchant exclusively sells online.

What is a Virtual Terminal? +

Virtual terminals are stationed on a merchant’s website, making it easy for customers to make a payment or purchase online. Merchants or a payment processor can easily set up virtual terminals, so online businesses can accept credit and debit card and e-check transactions.

What are Interchange Fees? +

A merchant account is a business account with an acquiring bank. Without this business account, which actually works more like a line of credit, a merchant cannot accept and process credit and debit card transactions. Businesses need a merchant account to accept major credit cards via a static point-of-sale terminal, mobile card reader, or through a virtual payment gateway.

How Long Does It Take To Get Approved for a Merchant Account? +

After filling out EMB’s simple online application and submitting any necessary, requested documents, many merchants get approved within 24 and 48 hours.

Do You Work With High-Risk Businesses? +

EMB specializes in working with high-risk merchants. EMB works with many merchants, including but not limited to businesses in these industries: gambling and gaming, adult entertainment, nutraceuticals, vaping and e-cigarettes, electronics, tech support, travel, high-end furniture, weight loss programs, calling cards, e-books and software, and telecommunications.

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