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 its US headquarters are located at 199 W. Hillcrest Dr., Thousand Oaks, California. The company also maintains a UK-based headquarters at C7-C8 Spectrum Business Center, Anthony’s Way Rochester, Kent, ME2, 4NP. 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 fewer than 10 public complaints.
  • BBB Rating: eMerchantBroker has an “A+” rating and has received 3 complaints and 54 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
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Products & Services Offered

Types of Businesses Served

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

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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 fewer 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

A class-action lawsuit filed in 2017 accuses the company and First American Merchant Services of violating the Telephone Consumer Protection Act. Parties in the lawsuit allege that they were subjected to telemarketing calls despite being on a do not call register. Each plaintiff sought damages of $2,000. However, the allegations made in this lawsuit do not reflect on the company’s merchant services outside of its apparent sales practices. 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 1
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery Complaints 0

Only 3 Complaints

eMerchantBroker.com has been accredited by the Better Business Bureau since 2012 and currently shows an “A+” rating based on  3 complaints in the last 36 months. 2 complaints deal with a problem with a product or service problems and 1 addresses a billing or collection dispute. 1 was successfully resolved while 2 were answered but did not receive a final response from the merchant.

What Merchants Say

eMerchantBroker has also received 55 informal reviews from merchants, with 52 of them positive in tone and 3 which are negative in tone. The most recent negative review was filed back in March of 2019:

I have tried multiple times to get a response from E Merchant Broker and they do not return calls. The sales team are great at getting you through the door but I have consistently had problems with getting customer service on the phone when it comes to fixing issues that have to do with my business. Its been a joke and just getting a callback for cancellation is ridiculous also. I am demanding a callback asap as you are charging me monthly for service!!!!

Excellent customer service is a hallmark of a top merchant account provider. Merchants who 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.

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 and Merchant Account Services

I'm a former credit card processing sales director who left the industry because I didn't like how it takes advantage of small business owners. It feeds like a leech on businesses and thrives by imposing fees that are nearly impossible to comprehend. Seeing a need for change, I left and built this website help business owners better understand the industry, research merchant services providers, and get refunds of excessive merchant account fees. My experience of working "behind the curtain" in the industry, and using that knowledge for good, has resulted in millions of dollars returned to hard-working small business owners as well as enterprise-level companies.

From the time that I starting working in the merchant services industry to when I left to create this website, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this "insider" knowledge to myself. To lift the fog, 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 on this website.

How I Can Help You

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12 Reviews Leave Your Review for eMerchantBroker Below

  1. Alex Cain says:

    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.

  2. 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


    1. Ricardo Mejia says:

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

      1. I paid over $500 in early termination fees and yet I continue to be charged monthly fees by Pinwheel. Even though they issued credit for Jan, Feb , March. I just got another bill for April!
        No way to run a business.

      2. Stripe and PayPal. They both handle “high-risk” accounts and charge way less than EMB/Pinwheel.

        1. Roger says:

          Stripe and PayPal do not handle “high risk” accounts, or high ticket items. You will most certainly have your account frozen for several months as per the experience of many. Two garbage companies.

          1. Brian Clark says:


            This list of high risk merchant accounts may help you find the right provider for your needs.

  3. 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!

  4. 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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