You Learned That You Need a High Risk Merchant Account | How to Get One

Oct 06, 2016

Are you a high risk merchant looking for a credible payment processor? Are you tired of being rejected or subjected to high interest rates by banks? More and more high risk merchants are realizing that their best shot at easy payment processing and profits is through online lenders and payment processors. These revolutionary businesses provide convenient and comprehensive services to entrepreneurs in businesses that involve risk. (EMB) provides a full suite of electronic payment processing solutions that give you access to simple and profitable payment methods like credit and debit cards. EMB also provides the following services:

  • Chargeback protection & chargeback prevention programs available.
  • Fast approvals in 24 – 48 hours.
  • No set up fees for most merchants.
  • High volume solutions: load balancing gateways and multiple MIDS.
  • iCheck Check Processing service, featuring quick payments.

Advantages of Online Payment Processors

Fast and Efficient Sign Up

eMerchantBroker offers a simple and efficient merchant account set up process. The form is online and user friendly, and only takes a few moments to complete.

24/7 Customer Support

Expert staff provides support for merchant accounts 24 hours a day, 7 days a week. Businesses never sleep, so why should your payment provider? Staff is available to answer any questions day or night.

Diverse Payment Processing

EMB provides a variety of payment processing. Notable payment processes include:  debit and credit card processing, check by web, checks by phone, paper guarantees, and the new iCheck. iCheck allow for faster funding for multiple types of checks that can be processed without the consumer being present.

Merchant Cash Advances

Sometimes businesses need funds to cover expenses, start new ventures, or pay a few bills. Through the “cash advance” service, we can extend your company the emergency funds needed to support your staff and business. is the leading online payment processor that provides a wide selection of Business Funding, Check Processing solutions, Payment Gateways, POS Solutions, along with a full support platform that make high merchant accounts grow and run more smoothly and experience higher 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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