Aggregate Vs. Dedicated Merchant Accounts

Mar 30, 2018

As a merchant, it helps to understand the nature of the accounts you are dealing with. Merchant accounts are primarily meant to hold the retailer’s money while it awaits transfer to an actual business bank account. Again, merchant accounts are divided into two categories: dedicated & aggregate merchant accounts.

Dedicated Merchant Account

This is an account that the account provider has exclusively established for the merchant. A “Dedicated” merchant account is more or less like your own internet-based bank account set up purposely for your online business. In case you wish to create an account with a payment gateway then you are eligible for a merchant account.

With a dedicated merchant account, a retailer can discuss custom rates for their firm’s sales. The rates usually depend on how much in sales volume you and the type of products you sell. For this reason, a dedicated merchant account has control over your cash. At, we provide merchants with a business dedicated merchant accounts after a thorough check of their background. We ensure 100% security before offering a retailer a dedicated account.

Aggregate Merchant Account

An aggregate merchant account is one that combines several companies. For this account, every retailer will still need to offer some info about your company but being part of an aggregate merchant account is much less complicated. PayPal & Stripe are examples of gateways that provide aggregate merchant accounts to their retailers. The disadvantage with aggregate merchant accounts is that they have less control over the period the money takes to complete the transaction process.

With dedicated merchant accounts, you can get your payments processed within two-thirds of a day. But setting up an aggregate account may even exceed two days. What’s more, with a dedicated merchant account, your transactions are processed at very high speeds; which saves you time than when using a gateway. In comparison, processing transactions for aggregate merchant accounts can last up to 7 days (in worst cases): which slows the merchant down and cuts their revenue.

Get the best Dedicated Merchant Account at

Because a dedicated merchant account is far better than an aggregate account, you’ll need a great one to give your firm an edge. Visit to get the best offers in the market, whether you run a low-risk or the feared high-risk business. We have a solution for every type of industry, and our plans are customizable to meet every retailer’s specific needs.

At EMB, you will enjoy the following

  • First-class security –We have the best encryption.
  • Fair fees and rates – We offer merchants fair rates to ensure profitability.
  • Regular update of software & hardware – We ensure automatic system upgrades to ensure your operations go on trouble-free.
  • Multiple Payment methods – We enable you to collect payments via all methods, i.e., Credit cards, echecks, ACH.
  • “Easy to install” and operate hardware & software– our “plug and play” tech eases the job for the busy merchants.
  • Steadfast customer care – Our customer service team is friendly and willing to address your concerns.
  • A straightforward application procedure with quick approval.


You have better chances with a dedicated account as we’ve seen in the dedicated Vs. aggregate merchant accounts comparison.

Let us help you get a high risk merchant account today!

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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.

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