Merchants with Bad Credit Now Have a Solution

Dec 15, 2014

Bad credit can ruin your personal and professional life. The economy has not been kind to many entrepreneurs and small businesses. In order to make ends meet, a lot of legitimate and hardworking companies have fallen behind on payments to lenders and creditors. As a result, their credit is not as exemplary as it was in a healthy economy. Bad credit acts like repellant to traditional lenders and payment processors. Even if a company has an A rating by the BBB and rave customer reviews, it can still be denied a merchant account. Luckily, there are now reliable online payment processors that can work with bad credit merchant accounts.

Established payment processors like, have quickly become the go to payment processors for merchants who have been labelled as “high risk” because of bad credit. As the number one payment processor in the United States, representatives can help businesses open profitable merchant accounts regardless of previous processing history, bankruptcies, tax liens, and FICO scores. can approve most accounts in as little as 24 hours. And for businesses who need a little help reestablishing themselves, they offer a competitive business cash advance that will set bad credit merchant accounts on the path to better business credit. Good businesses that have had some bad luck should not be constantly punished with rejection or astronomical fees.

Businesses on the brink deserve simple, straightforward, and fast services from credible payment processors so that they can begin the long road to credit recovery. That’s why has cut out the middle man and unnecessary processes, and doesn’t burden its applicants with application fees or VISA and MasterCard requirements. Bad credit merchant accounts are offered competitive rates and only the finest in account support. Call 1-800-621-4893 to apply and get approved for a merchant account within 48 hours.

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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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