What to look for when applying for a high risk merchant account

Aug 22, 2013

A high-risk merchant account compiles a list longer than most people would think. This list makes finding a merchant account a little daunting.

Not what you think

The high-risk market involves more businesses than most consider. It covers escort services, gambling online, and adult merchants. But it also covers things like timeshares, travel agencies, and airline tickets. These are businesses that we need each and every day, and to make it difficult to get merchant services accounts to service the thousands of transactions, is disturbing at best. To see them in the high-risk pool puts a whole new twist on the industry as we know it.

Where to go

Of course, shopping for an account in the local area is a great start. It even keeps the business local and will help the economy in your area. But, if that is not an option, the business must go online and do their due diligence and search for the account that best serves their needs.

Research, research, research

As part of the high-risk pool, there is no way of knowing who will take the business on. So start with the basics and ask the hard questions. Who’s going to do the job with the best efficiency and at the least cost to the merchants? After that is answered, find the one with the best reputation and the best reviews.


Just like anyone, the merchant fills out the paperwork and displays their information for the processor. Then the waiting begins and some might get turned down. Don’t be dismayed and try again. With clean credit, some stature, and belief in the business, dreams do come true. Then the information to get the account up and running begins. Follow their instructions and they will work the merchant through the paperwork. In no time at all, limits are set and the happy day can begin to process payments.

Don’t undersell the ideas of dreamers and employers. They just want to make an income like everyone else and according to the list of high-risk accounts, it could be the collection agency or the tech support crew down the road that is looking for that account.


If you are a business that happens to fall into a high-risk merchant account, keep looking. One is out there for you. With literally hundreds online waiting for you to show up, it is just a matter of some research, some talent, and some time, to find the correct one for you. Amazingly enough, the high-risk merchant accounts cover a long range of businesses and solutions for your online store. Whether it’s your eCommerce needs or your mobile processing centers, they have all the options you are looking for. Just take that extra second to fill out their paperwork and you will be on your way to major sales no matter what part of the world.

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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