Is eMerchantBroker a Good Choice for High Risk Merchants?

Based in Los Angeles, California, eMerchantBroker.com is a merchant account provider that is one of the top payment processors for high-risk e-commerce business types. The company is willing to work with high-risk business types that may not be eligible for merchant accounts through traditional processors, such as adult products, credit repair companies, collection agencies, e-cigarette vendors, firearms dealers, online gaming businesses, nutraceuticals, timeshares, and others.

There is some evidence that eMerchantBroker is partnered with another Los Angeles-area provider that goes by either “1st American Merchant Funding” or “The Merchant Account Store”, but this relationship is unconfirmed at this time.

Payment Processing

(link unavailable) processes major debit and credit cards for a variety of business types, with a particular focus on high-risk businesses. Their services include ACH processing, loans and cash advances, chargeback protection, high-volume processing, MOTO (Mail Order/Telephone Order), access to payment gateways, POS solutions, international payments, and extensive integrations with online payment services and cryptocurrencies.

Chargeback Protection

A key offering from (link unavailable) is chargeback protection. They provide tools and strategies to help high-risk merchants minimize chargebacks, a common issue in high-risk sectors.

Payment Gateways

The company offers secure payment gateway options, enabling businesses to process transactions online safely.

ACH Processing

Beyond credit card processing, (link unavailable) provides Automated Clearing House (ACH) processing services, allowing businesses to directly debit customer bank accounts. This offers an alternative payment method that can reduce processing fees.

Business Funding Solutions

(link unavailable) also offers business funding solutions, designed to help high-risk businesses secure loans or cash advances when traditional financial routes may be unavailable.

Point of Sale Systems

The company provides customizable point-of-sale (POS) systems to meet the specific needs of high-risk industries.

Virtual Terminals

For businesses operating remotely or without a physical storefront, (link unavailable) offers virtual terminals. These allow for the processing of credit card payments without physical hardware, ideal for eCommerce and telephone orders.

Mobile Payment Processing

To address the need for on-the-go transaction capabilities, (link unavailable) offers mobile payment processing solutions. This enables businesses to accept payments via mobile devices.

Minimal Complaints

We’ve found more than 10 negative eMerchantBroker reviews online, with a few accusing the company of scams or ripoffs. Many complainants cite excessive paperwork during signup, denial of high-risk products, or lack of clarity on application denials. Some express frustration with customer and tech support. While common for high-risk providers, there’s no evidence of malicious intent. Share your own eMerchantBroker.com review in the comments below.

Responsive Handling

In an older review on the Business Consumer Alliance, a merchant reported excessive billing due to an NSF fee. eMerchantBroker responded and resolved the issue. Positive reviews on other consumer protection sites indicate quality customer service.

eMerchantBroker Lawsuits

In 2017, eMerchantBroker faced a lawsuit over TCPA violations, settling the case. Dissatisfied clients who wish to pursue a non-litigious course of action can report concerns to relevant supervisory organizations.

Customer Support

eMerchantBroker provides dedicated phone and email support for customers.