eMerchantBroker Merchant Services 2023: Reviews & Complaints

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Company Overview

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.

Article Summary

Before we dive in, here’s a short summary of what we’ll cover:

  • eMerchantBroker.com’s various payment processing services.
  • eMerchantBroker.com serves high-risk businesses, including marijuana/CBD businesses.
  • The company has received few complaints.
  • There is little information available about the eMerchantBroker.com contract.

eMerchantBroker.com Payment Processing

eMerchantBroker.com processes all major debit and credit cards for most business types, specifically focusing on high-risk businesses. Their services include ACH processing, loans and cash advances, chargeback protection, high-volume processing, MOTO, access to payment gateways, POS solutions, international payments, and extensive integrations with online payment services and cryptocurrencies.

Chargeback Protection

One of eMerchantBroker.com’s key offerings is chargeback protection. They offer tools and strategies to help high-risk merchants minimize the occurrence of chargebacks, which are common issues in high-risk sectors.

Payment Gateways

eMerchantBroker.com offers secure payment gateway options, allowing businesses to process transactions online safely. Their solutions are tailored to accommodate the needs of high-risk industries, ensuring a smooth transaction process.

ACH Processing

In addition to credit card processing, the company provides Automated Clearing House (ACH) processing services. This enables businesses to directly debit customer bank accounts, providing an alternative payment method that can reduce processing fees.

Business Funding Solutions

Beyond payment processing, eMerchantBroker.com also offers business funding solutions. These services are designed to help high-risk businesses secure loans or cash advances when traditional financial routes may be closed to them.

Point of Sale Systems

eMerchantBroker.com offers point-of-sale (POS) systems that are customizable to meet the specific needs of high-risk industries. These POS systems are designed to integrate seamlessly with their payment processing solutions.

Virtual Terminals

For businesses that operate remotely or without a physical storefront, eMerchantBroker.com provides virtual terminals. These allow for the processing of credit card payments without the need for physical hardware, ideal for ecommerce and telephone orders.

Mobile Payment Processing

Understanding the need for on-the-go transaction capabilities, eMerchantBroker.com offers mobile payment processing solutions. Businesses can accept payments via mobile devices, enhancing flexibility and broadening payment options for customers.

Location & Ownership

eMerchantBroker.com is a registered ISO/MSP of BMO Harris Bank, N.A., Schaumburg, Illinois, and is headquartered at 2985 E Hillcrest Dr #209, Thousand Oaks, California 91362. According to a company representative, Blair Thomas is the CEO and is a co-founder along with David Silverton.

Video Summary

YouTube video

eMerchantBroker Pros and Cons


  • Good for High-Risk Businesses
  • An Option for Marijuana/CBD Vendors
  • Few Complaints


  • Little Information About Contract
  • Potential for Fund-Holds

Table of Contents

  • Costs & Contract: Offers variable contract terms depending on each business’s level of risk and…
  • Complaints & Service: Has received more than 10 public complaints regarding…
  • BBB Rating: Has been accredited by the BBB since 2012 and has…
  • Sales & Marketing: Hires independent sales representatives but has not received any complaints about its…
eMerchantBroker payment processing
eMerchantBroker processes payments for high-risk businesses that many processors will not.

eMerchantBroker Customer Complaints & Reviews

Here's What Users Think

Complaint Summary

Total Online Complaints
Live Customer Support
Most Common Complaint
Account Declined
Recent Lawsuits

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. If you have your own eMerchantBroker.com review to make, please do so in the comments below.

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.

eMerchantBroker Lawsuits

In 2017, eMerchantBroker was sued in a potential class-action suit over alleged violation of the TCPA act. The suit was settled. Dissatisfied clients who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

eMerchantBroker Customer Support Options

eMerchantBroker lists dedicated phone and email contact information for customer support.

eMerchantBroker Customer Service Numbers

  • (800) 621 – 4893 – Toll-Free General Number
  • (800) 621-4893 EXT 901 – Sales
  • (800) 621-4893 EXT 902 – Customer Service
  • (800) 621-4893 EXT 903 – Agent Support

Other Support Options

Given the fact that the company is showing only a few complaints on internet forums, we have given it an “A” in this section but must exclude it from our list of the top merchant account providers for customer service.

eMerchantBroker BBB Rating and Report

Our Better Business Bureau Profile Assessment

BBB Summary

BBB Reports

Under 5 Complaints

eMerchantBroker.com has been accredited by the Better Business Bureau since 2012 and currently shows an “A+” rating based on 1 complaint in the last 36 months. The 1 complaint was resolved to the dissatisfaction of the client or did not receive a final response.

What Merchants Say

eMerchantBroker has also received 12 informal reviews from merchants, with 10 of them positive in tone and 2 which are negative in tone. The most recent negative review mentions held funds:

Signed up for a processor sent all needed information, Just for funds to be held and canceled 90-180 days. Please do not use EMB use another processor that actually have YOU in mind and not there pockets & your customers. This will lead to your business failing look at EMB real reviews.

Excellent customer service is a hallmark of a top merchant account provider. Businesses that wish to avoid situations like these should make sure they choose a company with a track record of attentive customer support.

An “A” Performance Overall

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

eMerchantBroker Fees and Rates

A Closer Look at the Contract

Cost Summary

Cancellation Penalties
Monthly & Annual Fees
Processing Rates
Equipment Leasing

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 (Fiserv), iPayment, and North American Bancard to provide its services, meaning that its contract terms could vary greatly from client to client. In addition, the company’s willingness to work with high-risk businesses likely creates a need for even greater flexibility with its rates.

Contract lengths are reported to range from 1 to 3 years, each with an automatic renewal clause that vests at the conclusion of the initial term. Early termination fees of up to $295 for 1-year contracts and upwards of $595 for 3-year contracts have also been reported. Clients can expect to receive a wide variety of contract terms through eMerchantBroker and are encouraged to work with a sales rep they trust. Client reviews reflect rates of 3.00% plus $0.15 and 4.00% plus $0.25 for swiped and keyed-in transactions, respectively.

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.

eMerchantBroker Jobs and Employment

Hiring Standards and Ethical Marketing Assessment

Key Points

Uses Independent Resellers
Misleading Marketing
Discloses All Important Terms

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 clients. In this, however, there are no eMerchantBroker.com reviews 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 clients 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.

A Quality Reputation

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

eMerchantBroker Review Summary

Our Final Thoughts and Opinions

eMerchantBroker performs well as a credit card processing 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, and corporate partnerships.

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Customer & Employee Reviews

What Others Are Saying About eMerchantBroker

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10 Responses

  • Isabella Sophia

    Jennifer E Maples

    Before placing any investment with a broker, ensure that you conduct the necessary research to avoid transferring your hard-earned money to con artists. This happened to me when I wired money to a con artist I believed to be a professional broker, but it turns out he was a con artist. But I’m glad I was introduced to Pro Asset Recovery Expert, since I would not have received my monies without their expertise in tracing stolen cryptocurrency payments. I eventually received my money back, and I will no longer invest. I recall the abrupt anguish I had when I realized the broker was a con artist, which is why I’ve taken the time to leave this remark so that anyone in need of a crypto recovery expert may easily contact (pro asset recovery expert @ gmail . com). I completely endorse their services.

  • Aaron bing


    They never send out payments. You always have to call and track your money. Real scammy.

  • Alex Cain

    HORRIBLE experience with EMB. The rep I dealt with was absolutely terrible and did little to help our business. First, EMB set us up with an electronic check processing company for our online cannabis seed company. However, that company was so negligent we ended up incurring almost $1000 in fraudulent charges and related bank fees. Our requests to the EMB rep for help on the matter either were ignored or we were told not to bother him and contact the electronic check processing company instead. We also requested assistance in setting up online debit card services. We’ve been waiting over SEVEN MONTHS for the EMB rep to get back to us. On the rare occasion we were able to get him to respond, it was always excuses. When the rep learned that we were starting to shop around for other processors, he actually had the temerity to email us and chastise us for looking for alternatives to EMB. The final straw was two weeks ago when he told us he was going to try to set us up with Square CBD. Once again, silence and inaction.

    Horrible, horrible company that does nothing but offer lip service and little else.

  • Michael Valadez

    I was informed when cancelling my account that I had to pay a cancellation fee in excess of $500!
    First I heard about it! No doubt it is somewhere in the fine print!
    Shopify recommended eMB when they refused to process payments from my business – considered my business to be “high risk”.
    Now I learn there are other alternatives which Shopify failed to make me aware of.
    I feel taken advantage of! I am not happy.

    This post will help: Cancelling a Merchant Account Without Paying a Fee


    • Ricardo Mejia

      What are those other alternatives you are talking about ? What industry (high risk) ?

  • aman

    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.

    • CPO

      Hi aman,

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

  • Medloc

    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.

    • CPO

      Hi Medloc,

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

      • Medloc

        Body Cure Store


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We are committed to ensuring the accountability of credit card processors by bringing transparency to their business practices. Our primary objective is to safeguard North American businesses from unscrupulous processors that impose substantial rate markups, unjustifiable fees, and exploitative contracts that result in annual losses of billions of dollars for small business owners.

We have been in operation since 2009, diligently conducting comprehensive research, publishing extensive reviews, and monitoring more than 1,000 payment processors. Our expertise in the merchant services industry has garnered recognition from esteemed publications such as the Los Angeles Times, INC Magazine, The Atlantic, and the Miami Herald, among others.

How We Score Processors

Please note that our rating system was overhauled on April 26th, 2023. Reviews dated before this date may not score in accordance with the following.

Star Rating Criteria:

At the start of our research, all processors are awarded five stars. We deduct stars if the processor engages in any of the following business practices:

– One star deduction if the processor has any junk fees.

– One star deduction if the processor does not post its pricing clearly on its website.

– One Star deduction if the processor is suffering from moderate client complaints.

– Multiple Star deductions if a processor is suffering from severe complaints, imposes unjust cancellation fees, markets non-cancellable equipment leases, engages in predatory rate pricing, or may be engaged in illegal activities.

Get all of the details regarding out rating criteria here.

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