Credit Card Processing For Trial Offer Businesses

May 15, 2018

Getting a merchant account and secure card processing services for a high-risk business— like those that offer trials before a sale—is not easy, especially if you go searching in the wrong places. Conventional banks will naturally reject you. But you stand a chance with modern high-risk merchant account providers like The nature of such businesses, plus a few other factors to be discussed below, are the reasons most financial service providers won’t give you company a chance.

What are the Risk factors for trial offers

With trial offers, the first visible risk is that; phony customers may enjoy the service or product over the testing period then leave without a purchase only to come back with a different identity for a second free trial. So the merchant is vulnerable at all times.

Next, recurring services or product deliveries is a common characteristic of firms that offer free trials. And with recurring billing, you have to worry about chargeback levels.  A customer who fails to send a contract cancellation notice may claim payments even after you’ve started offering the service. And if your policies are weak, you’ll suffer multiple chargebacks because credit card companies favor customers.

Banks, on the other hand, like to work with less risky industries. If your business threatens to compromise their finances in any way—even if it is legit, reputable and has good credit—then they won’t write you.

Where Do You Look When Banks Reject You

It’s simple. You can get a trial offer merchant account from online high-risk service providers like We accept risky retailers that banks won’t take.

The good thing, our application and underwriting process is not as complex and time-consuming as with traditional service providers. What’s more, merchants who run perfectly legal firms and meet our few requirements can apply online and get approved in just 24 hours.

What more can you get from EMB?

  • Stress-free application and quick feedback.
  • Lowest rates & service fees.
  • High security to protect sensitive customer data.
  • Ready-to-use hardware and software.
  • Frequent software and hardware upgrades.
  • 24/7 customer care.
  • Ability to offer multiple payment methods including checks, ACH or echecks.


At EMB we focus on making things work for risky business. We also offer several other financial products high-risk business need to do well.

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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