High Risk Merchant Accounts

It's Who We Are

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We are the Best at What We Do

Our team of professionals each have years of experience in the electronic payments industry and have helped thousands of “hard to approve” merchants get a domestic merchant account. Our full suite of electronic payment processing solutions ensures we can help virtually any merchant accept credit cards and checks electronically.

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

Merchant Accounts

We’ll get your High Risk Merchant Account Approved!

Check Processing Services

This is better than ACH. Our iCheck service provides merchants with next day payments. We approve 99% of our applicants.

Cash Advance

We fund merchants that others won’t. Bad Credit? No Problem!

Our Payment Gateways

We have a comprehensive list of Gateways, including our own.


Let Us Work for You

  • Experienced Staff

    Our Company is built on experience, let our experienced staff help you on your journey.

  • Proven Support

    We service a diverse list of customers and have vast knowledge to support them.

  • Speedy Signup

    Our application only takes a few minutes, and before you know it you'll be up and running.

  • Real Results

    Our merchants, both big and small, are building successful businesses on our platform.


Consistently Voted the Best High Risk Provider
by Industry Experts



  • A Proven Platform

    We've built a platform that works for you. We're continuing to add new features daily, and expanding to meet the needs and requests of our customers.


  • Support Superiority

    We have some of the best support in the business. We can be reached anytime of day, and will help you through any hurdles you might encounter. Need help? Call Us.


  • Quick and Painless

    Signing up is fast, easy, and secure. Our Application process can be completed in just a few minutes, and you'll hear back from us within 24-48 hours, sometimes sooner!

Applying is fast
And Easy

No matter your device, platform, product or service, applying is a painlessly quick experience and can be finished in minutes. So what are you waiting for? Stop delaying and start selling today!

Award winning.

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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 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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