Bad Credit Merchant Accounts – Fast Approvals

Apr 22, 2012

In today’s economy many business owners have less than perfect credit. They may have become overextended from using credit to keep their business afloat or had mortgage issues. In some cases, bankruptcy may have been the best solution for some business owners.

Getting a merchant account with bad credit, a bankruptcy or tax liens can be difficult. This is especially true for new businesses and “card not present” or “MOTO” merchants. If you have been declined by other credit card processing companies because of bad credit, then be sure to apply now with for a fast approval!

Bad Credit Merchant Account Questions & Answers

“How fast can I get approved?”

At we specialize in helping merchants with bad credit get affordable merchant services. We will not waste your time, telling you we can approve your account, only to tell you days later that you were declined because of credit. Get approved in 24 hours with!

“I have a bankruptcy, will you approve my application?”

Yes, we approve merchants with open bankruptcies, charged off bankruptcies, and tax lien problems. We can have you approved and processing in 48 hours.



“I don’t have a checking account, can I get a merchant account?

Yes, has solutions for merchants without a checking account. We can deposit your funds into a variety of re-loadable debit cards available at retailers across the country. Most of these pre-paid, re-loadable debit cards have a $10,000 monthly deposit limit, so if your business needs larger volumes, then you would need multiple merchant accounts, with a load balancing gateway. Our merchant advisers can answer all your questions and get you approved and processing in 48-72 hours for this service.

“Are there any set up fees or application fees?”

At we never charge an application fee, although in some cases there are set up fees for certain business types or gateways. At we have an extensive network of banks, processors and third party payment providers, allowing us to offer our clients the lowest rates and most competitive pricing.

“Do you also work with high risk merchant types?”

Absolutely! We provide merchant accounts for both traditional low risk and high risk merchants. We are the nations leading high risk merchant services brokerage. There is virtually no business type that we can’t approve for a merchant account. Below are just a few of the business types  we approve every day:


MULTI-CURRENCIES                               HIGH AVERAGE TICKETS
ELECTRONICS                                        MAIL ORDER
TELEPHONE ORDER                               HARD TO ACQUIRE
HIGH VOLUME                                        TIMESHARES
REAL ESTATE                                          HERBAL SUPPLEMENTS
DATING WEBSITES                                  EBOOK DOWNLOADS
EVENT TICKETS                                      PREPAID DEBIT CARDS
CALLING CARDS                                    VOIP SERVICES
DIRECT SELLING                                    BUSINESS OPPORTUNITIES         
FFL DEALERS                                         ANNUAL CONTRACTS
MAGAZINE SALES                                   VACATION RENTALS


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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