Is it Possible to find a High Risk Merchant Account for Small Businesses?

May 27, 2014

To many, being a small business owner is the American dream. With a successful venture, you can set up your future and retirement on your own terms. However, many small businesses are labeled as “high risk” due to a higher risk of fraudulent activity. However, it is possible to find a merchant account processor that specializes in high-risk credit card processing.

High-risk companies are your average everyday companies. They range from car dealerships to collection agencies to adult entertainment websites. While they may not seem like a threat, fraudsters often use these sites as places to use their stolen credit card information. This ends up putting a damper on the entire industry, and in return can make it hard for a small business labeled “high risk” to find a credit card processor or merchant account. However, there are companies that specialize in high-risk accounts, such as is leading the high-risk merchant account industry in almost every way imaginable. From advanced terminals to the latest software and security, treats their high-risk accounts as they would a more “safe” account. Just because your business is labeled high risk does not mean that you, your business, and your customers should be without the latest technology. is also well-skilled in knowing the ins and outs of high-risk credit card processing. They know that many high-risk companies have an abnormally large volume of transactions, and they will never flag, suspend, or close your account due to them. This can happen with more traditional merchant service accounts, as well as with other processing companies such as PayPal. Another plus for is that you can be approved in as little as 48 hours. This is unheard of in the merchant account industry, and other financial institutions can take weeks for approval. The overall application process is streamlined, simple, and free.

It’s the perfect time to start a small business. However, there may be an issue with finding a credit card processor if your business fits into the dreaded “high risk” category. Never fear, as is the answer to all of your high-risk credit card processing needs. With the latest terminals, software, and security, will lend you the best service for your processing needs.

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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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