The nation’s #1
high risk credit card
processing company

We accept everywhere from high-risk to low-risk merchants. EMB focuses on providing services to high-risk merchants, though.

There is no one answer. Many merchants, however, discover that after completing EMB’s easy-to-fill out paperwork and attaching the necessary supplements, they receive approval in as little as 72 hours.

Because credit card transactions process quickly, many merchants discover that accepting this payment improves cash flow and cuts down on waiting time for payment methods like checks. Given the convenience of credit cards, many online shoppers also actively seek out merchants that accept credit cards. This means some merchants realize increased business as a result of offering this additional payment method.

During the reviewal process, EMB considers a variety of things including, but certainly not limited to, the applicant’s credit and credit history.

Chargebacks happen when a cardholder disputes an account charge. The credit card’s issuing bank then performs an investigation on behalf of the cardholder. If the transaction is determined to be fraudulent, the issuing bank refunds the initial amount to the cardholder. If the merchant cannot establish the transaction was legitimate, the credit card’s issuing bank will recover the full amount of the fraudulent transaction as well as a fee.

Merchants are not helpless when it comes to chargebacks. First, merchants should make sure that their business name is identical to the name on the website where sales are made. Second, merchants should include their phone number on the billing descriptor, which promotes the consumer calling the company directly rather than the credit card’s issuing bank. Third, merchants should strive to provide excellent service, which includes offering refunds. This way, consumers are less tempted to file disputes.

A U.S. business checking account is necessary to open a high-risk merchant account. Credit card payments are placed by ACH into this account. These funds then become available in regular merchant accounts within two business days. Sometimes, however, high-risk merchants must wait longer. Additional supplements are needed too including a business license, a current bank account statement, and previous merchant statements.

Many credit card carriers (like MasterCard and Visa) charge a fee for each payment transaction processed by participating merchants. Interchange fees are distributed to the financial institute responsible for issuing the credit card. The credit issuer credits the merchant’s account to an amount equal to the transaction amount minus the interchange fees.