What is The Best Merchant Account for Small Business?

Feb 28, 2012

Are you wondering what the best merchant account is for small business? Finding the best merchant account for a small business is easy at eMerchantBroker.com, with our simple quote system, we can suggest the top 3 providers based on your businesses particular needs. We are registered agents with all of the leading credit card processing companies in the country. All of our providers have an A+ rating with the BBB and are backed by our 100% satisfaction guarantee.

Click on the free quote icon below to begin the process. You will receive an email with a detailed quote from the providers that best fit your needs. We also offer electronic check conversion, gift cards and merchant cash advances.

A few highlights from some of our providers are below:

  • FREE Credit Card Equipment
  • FREE Mobile Apps & Swipers
  • FREE Shipping
  • FREE Paper
  • NO Application Fees or Set Up Fees
  • NO Annual Fees or PCI Fees



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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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