Payment Processing for High Risk Merchants

Jan 16, 2018 specializes in the high risk industry and provides exceptional high risk payment processing services to merchants of any type and size. EMB is focused on offering high risk merchant accounts to hard-to-approve merchants and is voted the #1 high risk processor in the US.

Founded in 2011, has helped thousands of high risk merchants take their business off the ground and reach success since EMB knows the challenges associated with high risk businesses best of all. With, a respectable processor in the US, you can easily get approved for high risk credit card processing and start accepting payments online.

EMB offers comprehensive high risk merchant services, including reliable, affordable and secure merchant accounts, chargeback shield, check processing, business funding, and payment gateways. partners with Verifi and Ethoca to provide chargeback protection and prevention services that are unmatched in the industry.

What’s clients love about it is that EMB truly cares and talks to every single business owner to get to know his/her business. Then, EMB works with banks that specialize in the type of business its clients are involved with.

Even if you, as a high risk merchant, have been rejected by traditional banks and payment processors, is ready to work with you. EMB helps business owners who want to start handling credit card and eCommerce transactions to move their in-demand service or product.

The reasons why you’re considered high risk may include the following:

  • History of high-chargebacks 
  • Higher rate of fraud


  • Irregular very high-ticket sales


  • Running a business in an industry that large banks are unwilling to support


  • Running a business in a highly regulated industry


  • Businesses that have been dropped by a previous credit card processor


  • Businesses that are on the MATCH or TMF list


  • Companies the owners of which have bad personal credit or low credit scores


  • Businesses that are based outside the US

The risk assessment factors vary from processor to processor. However, some of the basic factors include higher rates of chargebacks and fraud.

To get approved for a high risk merchant account, you should complete an application, which then your processor will send to its underwriting department for review. The underwriter’s job is to ensure your business is a good risk for the credit card processor to take on. Once approved, you’ll be ready to accept payments.

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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