EMB is the Nations #1 high risk credit card processing company

We are devoted to your experience and your expectation with us.
Our dedication to you has resulted in an A+ Rating with the BBB and a #1 rating with TopCreditCardProcessors.com.

The Experts in High Risk

Our Business is Built to Meet the Specific Requirements of the High Risk Industry

We’ve worked with thousands of companies and have experienced all the obstacles associated with operating high-risk businesses. We’ve used that experience to create a unique credit card processing platform that is built specifically with the high risk merchant in mind.

95% Approval Rating

Our goal is to help every merchant get payment processing services no matter their type of business, or personal credit rating. We have helped thousands of merchants get accounts when no one else would.

Scalability

The Largest Network of its kind, our extensive partnerships, combined with our expertise ensure that we can find a program that suits your business’ needs quickly and efficiently, getting you up and running in no time.

Multiple Gateways

We integrate through multiple gateways and offer intelligent transaction routing, ensuring your new merchant account works with your shopping cart solution. Our high risk credit card processing technical support team can help you with integration and gateway questions.

Voted "Best All-Around High Risk Merchant Account Provider" by

Get in Touch
Offices Located at
  • 199 West Hillcrest Drive
    Thousand Oaks
    California,
    91360

Award winning.

  • 2012
  • 2013
  • 2014
  • 2015
  • 2016

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 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.

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