eMerchantBroker Review


Specializing in Hard-To-Place Business Types

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.

Headquartered in Los Angeles

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” (firstamericanmerchant.com), but this relationship is unconfirmed at this time. eMerchantBroker.com is a registered ISO/MSP of BMO Harris Bank, N.A., Schaumburg, Illinois, and is headquartered at 12021 Wilshire Blvd #626, Los Angeles, California 90025. According to a company representative, Blair Thomas is the CEO and is a co-founder along with David Silverton.

eMerchantBroker Review Table of Contents

  • Sales & Marketing: eMerchantBroker hires independent sales representatives but has not received any complaints about its sales practices.
  • Costs & Contract: eMerchantBroker offers variable contract terms depending on each business’s level of risk.
  • Complaints & Service: eMerchantBroker has received more than 10 public complaints.
  • BBB Rating: eMerchantBroker has an “A+” rating with the Better Business Bureau and has received three complaints in the past three years.
  • Rates & Fees: How Merchants Got The Best Rates With eMerchantBroker

Contact eMerchantBroker

Phone: (877) 301-3442
Website: eMerchantBroker.com
Address: 12021 Wilshire Blvd #626, Los Angeles, California 90025

eMerchantBroker Products and Services


  • Retail
  • Mobile
  • E-commerce
  • MOTO
  • High risk

Sales & Marketing

Key Points - Sales & Marketing

Employs Independent Resellers Yes
Advertises Deceptive Rates Yes
Discloses All Important Terms No

No Sales Complaints

eMerchantBroker.com utilizes a network of ISOs and independent sales agents to market its services. This hiring practice is common within the payment processing industry and usually results in complaints among merchants. In the case of eMerchantBroker, however, there are no complaints alleging misrepresentation or nondisclosure by sales reps, indicating that the company maintains fairly rigorous oversight of its independent agents.

Incomplete Rate Quotes

The eMerchantBroker homepage quotes rates “as low as 2.99%” for high risk businesses. This rate quote is incomplete, as it only discloses the company’s “Qualified” rates for these account types without mentioning the higher “Mid-Qualified” and “Non-Qualified” rates that merchants are likely to pay. However, the company clearly notes that this is only a qualified rate, and it clearly states that mid- and non-qualified rates will be higher. This is especially true for merchants who require TMF/MATCH merchant accounts or bad business credit merchant accounts.

An Quality Reputation

eMerchantBroker scores well in this category due to the overall lack of complaints about its sales practices.

Response from eMerchantBroker

We’re here to help! Call us at (877) 301-3442 or visit eMerchantBroker.com!

eMerchantBroker Marketing Example


Costs & Contract

Key Points - Costs & Contract

Swiped Rate Variable
Keyed-in Rate Variable
Early Termination Fee Variable
PCI Compliance Fee Variable
Equipment Lease Terms Variable

Custom Contract Terms

There is very little specific information available about the standard eMerchantBroker contract at this time. Multiple online reviews indicate that the company partners with a number of processors including First Data, iPayment, and North American Bancard to provide its services, meaning that its contract terms could vary greatly from merchant to merchant. In addition, the company’s willingness to work with high risk businesses likely creates a need for even greater flexibility with its rates. Merchants can expect to receive a wide variety of contract terms through eMerchantBroker and are encouraged to work with a sales rep they trust.

Can Serve MMJ and CBD Merchants

One unique feature of eMerchantBroker is that the company is one of the few credit card processors that can provide credit card processing for marijuana dispensaries and CBD vendors in the U.S. eMerchantBroker’s medical marijuana merchant account enables dispensaries to accept Visa, MasterCard, Discover, and Amex payments in-store using a PC-compatible card swiper or a tablet and printer leased from eMerchantBroker. eMerchantBroker’s system is a hybrid offshore/domestic merchant account that functions as a normal merchant account from the dispensary’s perspective. This is subject to change as federal and state regulations surrounding marijuana continue to shift.

Merchants Are Satisfied

Given the lack of complaints about the company’s contract terms at this time, we are awarding eMerchantBroker an “A” in this category. If you have had any experience with the standard eMerchantBroker merchant agreement (including details about any possible early termination fees or PCI Compliance fees), please share that information in the comment section below this review.

Visit eMerchantBroker’s Website or call (877) 301-3442 for the most current pricing information.

Response from eMerchantBroker

We’re here to help! Call us at (877) 301-3442 or visit eMerchantBroker.com!


Complaints & Service

Key Points - Complaints & Service

Total Online Complaints 10+
Live Customer Support Yes
Most Common Complaint Account Declined

Low Complaint Total

We have located more than 10 negative eMerchantBroker reviews online, and a few of these accuse the company of being a scam or a ripoff. Most complainants report that eMerchantBroker required them to submit what they considered to be an excessive amount of paperwork during signup, that the company could not approve them for certain high-risk products, or that they did not understand why the company denied their application at the end of the sign-up process. A few complaints also mention frustration when dealing with eMerchantBroker’s customer service and tech support teams. These complaints are very common for providers that deal with high risk businesses, and it does not appear that eMerchantBroker is acting maliciously with respect to high risk applicants.

Proactive Responses

In an older review, filed with the Business Consumer Alliance, the merchant claims to have been excessively billed as the result of an NSF fee. eMerchantBroker responded to this complaint and appeared to resolve it successfully. There are generally positive reviews of eMerchantBroker on other consumer protection websites, indicating that the company provides quality customer service to its merchants.

Response from eMerchantBroker

We’re here to help! Call us at (877) 301-3442 or visit eMerchantBroker.com!



Key Points - BBB

Product & Service Complaints 2
Billing & Collection Complaints 1
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery Complaints 0

Only Three Complaints

eMerchantBroker.com is an accredited business of the Better Business Bureau and currently shows an “A+” rating based on three complaints in the last three years. Two complaints were filed in relation to product or service problems and one was a billing issue. Two were successfully resolved, while one was either resolved to the dissatisfaction of the merchant or did not receive a final evaluation from the merchant.

What Merchants Say

eMerchantBroker has also received nine informal reviews from merchants, with six of them positive in tone and three negative in tone. The most recent review praises the company’s ability to serve the travel industry:

If you are running a high-risk business and are wondering where to get a payment processing account, eMerchantBroker is your best bet. A few years ago, I took over my husbands travel agency, and having had zero online presence since its inception, I knew it was time. Initially, I thought setting up the website and laying down a marketing plan would be the hard part, but what proved way harder was acquiring a credit card processor account. After several rejections, I hopelessly signed up with EMB. Surprisingly, my application went through, and in about 3 days, I was ready to accept card payments through my website! Now, my agency has achieved significant online success, and it is all thanks to finally accepting payments online.

It’s important to keep in mind that the BBB does not always verify the identities of reviewers. However, eMerchantBroker does rank as a top merchant account provider for travel businesses.

An “A” Performance Overall

Given the company’s complaint total and resolution ratio, we agree with the BBB’s rating.

Response from eMerchantBroker

We’re here to help! Call us at (877) 301-3442 or visit eMerchantBroker.com!

eMerchantBroker Logo

eMerchantBroker Bottom Line

An Excellent Option for High Risk Merchants

eMerchantBroker performs well as a merchant services provider in this review. The company’s low complaint rate with the BBB and elsewhere is the primary factor raising its grade. Our rating for eMerchantBroker.com may change as we learn more about its pricing, contract terms, customer service, and corporate partnerships.

Visit eMerchantBroker’s Website or call (877) 301-3442 for more information.

Phillip Parker is a former merchant services sales agent who believes the industry has been overrun by people who engage in fraud and deception in order to steal from hard working business owners. He created this website to help you avoid the bad players, save money on fees, and to get peace of mind with your merchant account. If you would like to help support his work, learn more about our cost reduction service. We can evaluate your statement, tell you exactly how much you're overpaying, and then help you dramatically reduce your fees with your current credit card processor. Looking to switch instead? See our list of the best merchant account providers.

Schedule a Consultation with Phillip

13 Reviews Leave Your Review for eMerchantBroker Below

  1. Vic says:

    I tried to apply, they ask for suspicious stuff like
    – coming to my possession or business address and taking pictures
    – long term bank statements and they never take electronic ones and only from bank account you’ll be using (as far I know statements used for address and person identification, not for financial information collection).
    – and MOST TERRIBLE, they demand login and password to a current merchant account with another payments processor. None of the copies of statements or other info is accepted by login credentials.
    – otherwise it’s a deal breaker.

    Beware, they will collect your clients info, their emails, your personal and business data and who knows where they gonna use it.

    1. Concerned Citizen says:

      Just a quick question, does anyone know who the business owners are for Emerchantbroker ?

      And has anyone actually had a face to face meeting with them ?

      Did they resolve your problem and refund monies or did they just disappear ?

      Does anyone know other businesses the owners are involved with ?

      I believe these guys are now operating in other countries.


  2. Jesus Prada says:

    This is a terrible service for your business. Do not make the mistake that I did. Their sales team is very good in answering the calls and closing a 3 year contract. But customer services & technical support are impossible to get them on the phone. All they do is take messages and never call you back. Terrible experience.

  3. G Shak says:

    I am writing this to possibly avoid other people in my situation get heart by this unprofessional broker! We were referred to eMB to provide our online store with a merchant account. After the first inquiry I received an email with a link to fill up a few forms. I replied to the broker on my case to ask a few important questions before filling up the forms and I didn’t hear back even after follow-up emails! I finally could get a hold the agent on the phone and he claimed he thought he replied to the emails! I just ignored this first red flag and completed application forms and submitted list of documents that were required and was told that it would take 3 to 5 business days for completion. After 7 business days we followed up and we heard they submitted wrong info to the bank they were working with and they needed to resubmit! After a few more business days they requested more documents! A few more days passed, and they wanted to send and investigator to my residence! Some more days passed, and they asked for some of the items on our website to be remove, and we regrettably showed flexibility and did so. After this they wanted us to submit user-name and password to our backend, Paypal, and Amazon accounts and this was the most notorious request I have seen from a company that claims to be PCI compliant. Despite all hesitations we submitted some limited access in hope that this long maze reaches to an end. Then after some more days they asked us for ingredients of items we are selling online to ensure it meets FDA approval! and when we told them the request makes no sense they said it is VISA requirement! which after some research we realized that was also a false statement.
    This was the point that we decided to work with another more reputable company and we got our shopping cart active in less than 48 hours!
    Just be aware if you want to work with eMB that they are not professional, with no clear insight of the process and very slow in moving requests.

    1. David Brain says:

      What was the other company that you used?

    2. Jeffrey Von Stetten says:

      I also found our initial conversation with this particular merchant to be off the charts unprofessional. We decided to go with someone else as it felt very uncomfortable and scammy.

  4. BackWoodz says:

    They do not process CBD accounts as of December. Not really helpful.

  5. aman says:

    EMB customer service is the best there is! Being a new merchant account holder, I have been calling their hotline non-stop the past few days. And regardless of how obvious some of my inquiries turn out, the staff has always been ready to help. One staff member even surprisingly took the time to lend me important advice about marketing my new online business and getting more customers on board. I haven’t been with EMB for the longest time, but it is clear that my business is with the right people.

    1. CPO Admin says:

      Hi aman,

      Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!

    2. John says:

      Hi Aman,
      Are you still using emerchantbroker? and do you mind telling us what kind of business you are into?

  6. Medloc says:

    Reliable customer support

    Unlike many card processing companies where calling customer care will land you straight into a long queue of people waiting to be connected, eMerchantBroker’s customer service team is always ready to assist when I encounter a problem. Just last week, I couldn’t get through my merchant account. I called customer support and my call went through within seconds. As usual, the support staff was humble and polite, and I was able to get my issue sorted in a few minutes. EMB is a reliable company with one of the best customer service.

    1. CPO Admin says:

      Hi Medloc,

      Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!

      1. Medloc says:

        Body Cure Store

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