Choosing the Right High Risk E-Commerce Merchant Account

Aug 17, 2017

It’s estimated 1.61 billion people worldwide purchased goods online in 2016. In 2016, global e-retail sales accounted for 1.9 trillion US dollars. It’s projected this number will reach 4.06 trillion US dollars by 2020. In Asia Pacific, e-retail sales represented 12.1% of retail sales in 2016 but accounted only for 1.8% of retail sales in the Middle East and Africa. This is according to Statista.

Payment Processing for Online Retailers

It’s true that online retailers make people’s lives easier. However, it may be difficult for them to be able to process and accept credit/debit payments since they should find a reliable high risk e-commerce merchant account provider to turn to. The past several years have shown many merchant account providers are changing the way they do business and mitigating potential risks.

One of the reasons why finding the right merchant account provider can be challenging has to do with the terms and conditions required to set up your merchant account. Merchants sometimes are faced with fees and charges for items such as new account set up fee, equipment fee, and new merchant gateway fee; these are just a few of the hidden charges that merchants may find with some merchant account providers. This doesn’t even include monthly service fees, access fees, and more.

The Right High Risk Merchant Account from EMB

Are you tired of paying excessive fees to your current provider? Are you planning to take your business online or launch a new online venture? If yes, consider turning to EMB, the #1 high risk payment processor and a reputable business funding provider in the US, to secure an e-commerce merchant account easily. Choosing the right high risk merchant account from a respectable high risk processor like is critical to your success.

Merchants who are tabbed as high risk are well aware of the hindrances they may come across on their way. In fact, a merchant with perfect credit, an A+ rating with the BBB and virtually no customer complaints can still be labeled as high risk. specializes in high risk merchant accounts and knows your pain points best of all. EMB can help you reduce the effects of operating a high risk business. offers a proven platform, support superiority, quick and painless application process, the lowest possible rates in the industry, and much more. EMB is rated A+ by the BBB and A by Card Payment Options, and is named one of Inc. 500’s Fastest Growing Companies of 2016.

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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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