High Risk Merchant Account For Your High-Risk Business

Apr 27, 2016

The top USA and Canada merchant account providers like EMB offer the best payment processing services to businesses in the high-risk sector. EMB is the industry leader in providing merchant account solutions to higher risk businesses with the lowest rates in the market.

The Right High-Risk Merchant Account Will Make Your Business Profitable

A high-risk business is a special type of business. It implies a higher chance of receiving invalid funding such as credit card payment or eCheck payment. High-risk business owners are usually characterized as high risk eCommerce merchants.

Adult content websites, financial services, membership-based subscription, online dating, online gambling, software and hardware sales are among the high-risk businesses. Merchant accounts of this type are associated with lower chargeback fees and better chargeback policies, but higher rates and fees so to compensate the risk

Higher chargeback rates can never stop you from growing and making a profit if you turn to the right processor in the field. With the right chargeback prevention and protection programs offered by emerchantbroker.com, you can fight credit cards transaction fraud and minimize chargebacks successfully. EMB’s chargeback prevention and protection programs are teaming up with Ethoca and Verifi to provide merchants with chargeback alerts earlier.

International Business Owners or Offshore Merchants

Running a multi-country (multi-currency) international business or being an offshore merchant is classified as high risk. Accepting online payments and credit card transactions in different currencies is challenging. This refers also to transferring funds to a bank account registered in a different country or currency.

If you are looking for a reliable merchant account to conduct your business overseas, EMB can be a perfect option to choose. Not all processors provide international and offshore merchant accounts to online businesses. Banks, most lenders and other financial institutions find it too risky to approve merchants for a high-risk merchant account. This is not the case with emerchantbroker.com  – #1high-risk payment processor in the United States of America.

To get started with EMB, you’ll just need a few minutes, the basic information and minimum paperwork. The application process is fast and without any hassle. As a full-service provider, EMB offers high-risk credit card processors the lowest possible rates and fees in the market. You can get merchant account approval in as little as 24-48 hours. Bad credit history is not a problem for EMB.

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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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