We Know High Risk

It's What We Do

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We Best Our Competitors

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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A Sample of Our Many Offerings

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.

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We Can Work For You

  • Experienced Team

    Our Business is built on experience, let our team help you on your journey.

  • Fanatic Support

    We service numerous merchant types and have the tools to support them.

  • Quick Signups

    Our application is fast. You'll be up and running before you know it.

  • Get Results

    Successful businesses are built on our platform, no matter the size.

  • Merchant Accounts that Count

    EMB is a full service provider, offering Merchant Accounts and services for any and all types of businesses. We offer a wide selection of Payment Gateways, POS Solutions, Business Funding, Check Processing solutions, and a full support platform that ensures you're never out of reach from getting the help you require, right when you need it.

    When we say we're here for you, we mean it!

    Seriously, we have been known to keep camping gear in the office, just to make sure we can answer your support questions quickly. We're not just that dedicated to customer service, but to our full suite of services, which were' constantly improving and adding to every day

    Sound like we're the right fit for you?

    Don't delay. Get Started Now!

  • Our Application is Painless

    You'll just need a few minutes, some basic information, and a few pieces of documentation. We've streamlined our application process down to the minumum required fields, making it an efficient, and painless process for our merchants. When we say it's fast, we mean it. Most of our merchants can complete an entire app in half the time it takes to make a cup of coffee.

    Ready to get started?

    Let us know how we can help you. Do you still have questions, or want to speak to someone to get assistance with a specific requirement you have? We're happy to help!

    If you have no more questions, why wait?

    Start your application, today!

  • Check Processing

    Checks by Web, Checks by Phone, Paper Guarantee, and our new iCheck (instant check processing) solutions are just some of the ways in which we're making it easier for our merchants to process payments and build successful businesses. This isn't the archaic ACH solutions you're used to; our services use the latest in check processing technologies.

  • Our Premiere iCheck Service

    iCheck is a means of electronic check processing that facilitates faster funding on a wider variety of checks. It also has fewer restrictions than ACH and is quickly becoming the solution our merchants turn to for accepting check-based payments. This flexibility, also known as Remote Deposit Capture, is ideal for many sales environments.

    Checks can be accepted at the Point of Sale or when the consumer is not present. This is the future of check processing, and we're excited to get you set up with your iCheck account!

    Need Fast, and Efficient Check Processing?

    Get iCheck today!

Cash Advance

Need funding today? We understand your capital needs better than anyone. Our Business Funding services are used by many of our merchants to kickstart, or to help sustain, their businesses. Applying is fast and easy, and you only need a few pieces of information about your business to get approved.
Why Wait?

Payment Gateways

We offer a wide variety of payment gateways, including our own. Don't know which to choose? You can't go wrong with the EMB Gateway, which provides you with a full suite of useful features.


  • Check Processing

    Checks by Web, Checks by Phone, Paper Guarantee, and our new iCheck (instant check processing) solutions are just some of the ways in which we're making it easier for our merchants to process payments and build successful businesses. Learn More...


  • Credit Card Processing

    You probably didn't know how many industries are considered high risk. Even things you use daily, like transportation, or your favorite dietary supplement, fit into this category. Our experienced team is ready to guide you through the process of applying for a high risk merchant account. Learn More...


  • Cash Advance

    Need funding today? We understand your capital needs better than anyone. Our Business Funding services are used by many of our merchants to kickstart, or help sustain, their businesses. Learn More...


  • Payment Gateways

    Want to get up and running in no time? We can get you set up quickly, get you started with a Payment Gateway, and help you identify additional services, like Chargeback Protection, so you can cater your merchant account to your needs. Learn More...

It only takes a few minutes, and you'll be happy you chose us!

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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!
Apply Now

Merchant Solutions Tailored to All Types of Businesses, Including

Gaming
Bad Credit
Nutraceutical
Credit Repair
Telecom
Warranty
Tech Support
Travel
eBooks
Electronics
Airlines
Adult

Award winning.

  • 2012
  • 2013
  • 2014
  • 2015
  • 2016
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Frequently Asked Questions
What Are Merchant Cash Advances? +

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.

How Much Does It Cost to Process Credit Card Transactions? +

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.

Do You Work With Merchants Who Have Poor Credit Scores or Have Had Merchant Accounts Terminated? +

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.

What Factors Are Used to Determine a Business’ Risk Level? +

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.

What is a Virtual Terminal? +

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.

What are Interchange Fees? +

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.

How Long Does It Take To Get Approved for a Merchant Account? +

After filling out EMB’s simple online application and submitting any necessary, requested documents, many merchants get approved within 24 and 48 hours.

Do You Work With High-Risk Businesses? +

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.