eMerchantBroker Review


Based in Los Angeles, California, eMerchantBroker.com is a merchant account provider specializing in 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” (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.

Key Points

  • 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

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

eMerchantBroker Products and Services


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

Response from eMerchantBroker

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Sales & Marketing

Key Points - Sales & Marketing

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

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.

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.

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

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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

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.

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 delivery services 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.

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

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Complaints & Service

Key Points - Complaints & Service

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

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 the company declined 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.

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

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Key Points - BBB

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

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

Response from eMerchantBroker

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eMerchantBroker Logo

eMerchantBroker Bottom Line

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.

Hi, I’m Phillip Parker and I believe that the merchant account industry has been overrun by people who engage in fraud and deception in order to steal from hard working business owners. I created this website to help you avoid the bad players, save money on fees, and get peace of mind with your merchant account. If you would like to help support my work, check out my cost analysis service. I can evaluate your statement and tell you exactly how much you're overpaying for your merchant account. Get more information here.

Schedule a Consultation with Phillip

13 Reviews Leave Your Review for eMerchantBroker Below

  1. Scammers.
    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. 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. 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. 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. 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. 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. Hi aman,

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

  5. 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. Hi Medloc,

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

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