Managing Your High Risk Business is Key to Its Success

Jan 30, 2015

If your business is classified as a high risk industry, it’s important to be aware of the intricacies in properly managing these businesses. Many business owners are unaware that their company is actually high risk, or what that can mean for their ability to service their customers, find a payment processor, and turn a profit. The following are a few tips on how to manage high risk businesses.

Here are a few major industries that are considered high risk:

  • Gaming
  • Bad Credit Assistance
  • eBooks
  • Electronics
  • Credit Repair
  • Telecommunications
  • Nutraceutical
  • Technical Support
  • Travel
  • Warranty
  • Airlines


Often there are risks related to managing a high risk businesses that see a larger than average occurrence of chargebacks, customer dissatisfaction, and returns. Having an intimate knowledge about how your particular industry operates, will help you navigate these risks.

Recognize Fraud

Work with your ISO and agents to ensure that everyone understands the standardized guidelines that regulate the high risk university. Maintain a negative database to cross reference customer information to keep track of suspicious patterns.

Learn How to Manage Issues Associated with High Risk Processing

There are a variety of good tools and references to help high risk businesses reduce or prevent processing issues. Discuss preventative measures with your ISO and sales agents. The more precautions that your company can take, the smoother operations will go and the faster your profits will grow.

Find the Correct Processing Partner

Even though the Federal Deposit Insurance Corp (FDIC) has recanted its list of high risk merchant types, traditional payment processors are still critical of these types of merchants. Merchants with fantastic credit scores and good reviews, are often charged extravagant fees to handle their account.

It’s important that high risk organizations use reputable third party payment processors who are experts in navigating the high risk industry. is a low hassle, low cost payment processor that will create and manage your high risk merchant account with skill and precision. Our agents will protect your client’s transactions and boost your profits.

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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