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Get a high-risk merchant account today and grow your business.

Bad credit merchant accounts

EMB is the #1 provider of payment solutions for merchants who are on the road to credit repair and recovery.

We approve 95% of applicants!

Accessible Payment Solutions High-Risk High-Reward

Don’t let bad credit hold you back

EMB empowers entrepreneurs to pursue their goals by making payment processing solutions available in less than 48 hours.

Apply for a merchant account

A quick & easy application process

No application fees

No application fees

Start your journey with our transparent application, no hidden startup fees guaranteed.

Competitive rates

Competitive rates

Affordability and support are our top priorities when working with merchants who have a bad credit history.

No credit card required

No credit card required

Even if you don’t have a credit card, EMB makes it easy for you to apply for payment solutions to run your business.

Secure gateways

Secure gateway options

Increase business security and protect customer data with our secure payment gateway options, regardless of your credit history.

Get access to our full spectrum of payment solutions

Even if you have bad-credit, one simple application can give you access to an array of essential payment solutions for your business:

Mitigate the Madness & Control Chargebacks
  • Business funding
  • Chargeback protection
  • Check processing
  • Merchant accounts
  • Payment gateways
  • International connections
  • Powerful integrations
  • Cryptocurrency payments
Mitigate the Madness & Control Chargebacks
Document required

What documents are required to apply?

  • A valid, government-issued ID, such as a driver’s license
  • A bank letter or a pre-printed voided check
  • 3 months of the most recent bank statements
  • 3 months of the most recent processing statements, if applicable
  • A SSN (Social Security Number) or EIN (Employer Identification Number)
  • A secure, fully-operational website
  • Chargeback ratios must be under 2%
Apply now

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