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High risk merchant accounts

Our payment experts approve 99% of low and high-risk merchants for full-service payment solutions, becoming the #1 provider for payment processing, funding, and so much more.

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Merchant account services

Low-risk merchants

EMB’s competitive rates, flexible funding options, and range of payment processing solutions make partnering with us an easy choice.

Our team of experts have a strong reputation of providing industry-specific support for low-risk industries:

  • Apparel
  • Moving companies
  • Home goods
  • Beauty products
  • Pet supplies
  • Auto parts
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Low-risk merchants

Medium-risk merchants

EMB connects merchants regardless of risk with the necessary tools to keep businesses running securely.

Our missions it to provide merchants services and technology the tools they need to succeed, regardless of industry

  • Electronics
  • Travel
  • Luxury
  • Subscriptions
  • Online dating
  • Classified websites
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Medium-risk merchants

High-risk merchants

Traditional banks hold outdated, unrealistic standards that just don’t support modern business demands.

EMB takes pride in getting 99% of our applications approved for our all-inclusive payment processing and funding solutions.

We are high-risk experts with over a decade of experience providing successful solutions for merchants in a variety of industries:

  • CBD
  • Adult industry
  • Electronic cigarettes
  • Online gaming
  • Collections
  • Nutraceutical
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High-Risk Merchants

Diverse portfolio of merchants

EMB consistently offers the most competitive pricing, must-have services, and unparalleled 24/7 customer support.

Quick business funding in 5-7 days

We offer two flexible funding options to choose from when you’re ready to invest in your business: ACH Business Funding and our Cash Advance Program. If you or your business is in need of fast working capital or could use an advance, EMB can connect you to our extensive network of lenders and diverse programs, regardless of a bad credit score.

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No hidden fees,
100% transparency

Running a business already costs you time and money – our goal is to save you both. Quickly apply today to become a partner with EMB without the hassle of upfront costs or hidden set up fees.

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Merchant success story
Merchant success story

“The EMB team was super helpful and responsive, great service!”

Paige LatnerCo-founder, NutraJuice Co

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You’re one click away from simple payment and funding solutions

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.

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.

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.

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.

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.

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.

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

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.

Still have questions?

If you can’t find the answer you’re looking for, please reach out and chat with our team.

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