How the voice of the nation is getting heard for the high risk processing world

Dec 04, 2013

The merchant account processors heard the cry of merchants all across the nation. As banks closed their trust in the very people that pulled them up by the bootstraps, servicers all over opened their doors. Flooded by requests, they have strived and grown to the very detriment of the banking industry. Here’s hoping the dust from the boots of customers causes tears in their eyes.

Merchant account services have divided their process into many areas. You can be an e-commerce merchant account or a bad debt merchant account. How about high-risk processing and all the accounts that go with them? You can be a pharmacy, an adult dating website, a credit repair site, a theatre, or even an airline. If you have the business, they have an account for you. Even the marijuana merchants come to the merchant account servicers they can find in the high-risk arena.

Why wouldn’t they?

The banks were overpriced and they were under care. This means the human element went out of them during the horse and buggy days. Trailing behind them came the merchant account servicers to pick people up, and brush them off. Their customer service has grown to ultimate levels and they show how they can help and protect you.


Working closely with your merchant account servicer you can be protected from fraud and fraudulent activities by not-so-honest card holders. Whether they are trying to get something for nothing or from someone that isn’t the cardholder. The servicer will keep you protected. You have the option of merchant account insurance. Most have it included in their packages involved with fraud protection.

They encrypt their data and they give you a Virtual Terminal that you can download onto your site. The terminal is the button that customers can push that launches them into the Gateway that runs the transaction as quick as a blink of an eye. It searches through all the data with the bank, cross-references for a PIN number, and verifies that the person using the card is the correct owner. It then loads the money from the bank to the merchant account and you get paid. Before you can say, “Bobs your Uncle,” you have an income and the card owner has a product. That’s an even trade.

Cash advance

Another option given to you that banks took away is a cash advance on your daily receipts. Quickly stated, they purchase an amount of your daily credit/debit card income at a discounted rate. You pay them back with future purchases on cards at a percentage you can afford. Little to no information is exchanged and you didn’t even have to pull out your credit report. Hallelujah!  Human kindness with human feelings tied in. No embarrassment and no runaround.

Generally speaking, the banks are going to be the losers. As long as the merchant account servicers continue to hear the public and hand them solutions, our banking institutions might as well be robots.

Looking for a merchant account? is ranked the #1 high-risk processor in the country by topcreditcardprocessors and can help you get started 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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