eMerchantBroker Overview

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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 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.

eMerchantBroker Review Table of Contents

  • 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 and has received 2 complaint and 53 reviews in the past 3 years. The company has been accredited by the Better Business Bureau since 2012.
  • Sales & Marketing: eMerchantBroker hires independent sales representatives but has not received any complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With eMerchantBroker


eMerchantBroker Statement Analyzer

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Products & Services Offered

Types of Businesses Served

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

Our unbiased reviews are supported, in part, by helping you find highly rated merchant accounts. You can learn more here.

eMerchantBroker Rates, Fees, and Costs

Key Points

Swiped Rate 3.00% + $0.15
Keyed-in Rate 4.00% + $0.25
Early Termination Fee Up to $595
PCI Compliance Fee Undisclosed
Equipment Lease Terms None

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.

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. Merchants can expect to receive a wide variety of contract terms through eMerchantBroker and are encouraged to work with a sales rep they trust. Merchants 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.

Are you happy with your eMerchantBroker fees? Tell us about them before your go!

Response from eMerchantBroker

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

eMerchantBroker Complaints & Customer Reviews

Key Points

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.

eMerchantBroker Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against eMerchantBroker. Dissatisfied merchants 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. 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.

Do you have a complaint or testimonial about eMerchantBroker? Make your voice heard before you go!

Response from eMerchantBroker

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

eMerchantBroker BBB Rating Summary

Key Points - BBB

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

Only 2 Complaints

eMerchantBroker.com has been accredited by the Better Business Bureau since 2012 and currently shows an “A+” rating based on 2 complaints in the last 36 months, as well as 1 which was closed in the last 12 months. Both complaints deal with a problem with a product or service problems. 1 was successfully resolved while 1 was resolved to the dissatisfaction of the merchant.

What Merchants Say

eMerchantBroker has also received 53 informal reviews from merchants, with 49 of them positive in tone and 3 negative in tone. One recent review praises the company’s ability to serve the travel industry:

I can’t say enough good things about Shane Berry and EMB! After going through many other payment providers, spending and wasting both time and money, I found Shane and I am extremely grateful! Shane was patient and understanding, knowledgeable and helpful. All characteristics you need in someone after being frustrated by other payment gateway and credit card processing providers. Thank you again, Shane! Barbara F.

It’s important to keep in mind that the BBB does not always verify the identities of reviewers, especially with overwhelmingly positive reviews. However, eMerchantBroker does rank as a top merchant account provider.

An “A” Performance Overall

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

How has eMerchantBroker treated you? Tell us about it here!

Response from eMerchantBroker

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

Truth In Marketing & Advertising

Key Points

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.

Did you get what you expected from eMerchantBroker? Tell us why, or why not.

Response from eMerchantBroker

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

eMerchantBroker Marketing Example

eMerchant Broker Logo

Our Opinion of eMerchantBroker

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, and its customer service rates as among the best in the industry. Our rating for eMerchantBroker.com may change as we learn more about its pricing, contract terms, and corporate partnerships.

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

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Thank you for reading my review. I hope that it has helped you with your research.

Why I'm Qualified to Write About Credit Card Processing

I'm a former credit card processing sales director who left the industry to start my own a small business. From the time that I starting working in the merchant services industry to when I left to write about it, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this insider knowledge to myself, so built this website to help small business owners research which service providers to use and how to save money on rates and fees. I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers here. I can help you save money with your current merchant account or help you find a new one. Message me here to get started.

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6 Reviews Leave Your Review for eMerchantBroker Below

  1. Michael Valadez says:

    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


  2. 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!

  3. 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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