eMerchantBrokerC59
Merchant Account (ISO) · Merchants in verticals banks decline — CBD and nutraceuticals, adult, credit repair, firearms, vape, gaming…
Overview
eMerchantBroker has been underwriting declined verticals since 2011 and has the public record to show for it — A+ with the BBB, accredited since April 2012, and very few complaints for a sector where held funds and sudden terminations are routine. It approves fast and it accepts categories most processors will not touch. The cost of that is real: pricing is tiered and quoted only after you apply, third-party reviewers put effective rates in the 3% to 4% range plus 15 to 25 cents, and contracts run one to three years with early termination fees reported between $295 and $595.
Best for: Merchants in verticals banks decline — CBD and nutraceuticals, adult, credit repair, firearms, vape, gaming, tech support, travel, continuity billing — who need an account approved in days and value a provider with a decade-plus track record over the cheapest quote.
Strengths
- + A+ with the Better Business Bureau, accredited since April 2012, with a notably light complaint record for a high-risk provider
- + Operating since 2011 — a decade and a half in a sector where most competitors are far younger
- + Genuinely broad vertical acceptance, including categories many high-risk shops still refuse such as adult, credit repair and gaming
- + Fast decisions: the company states many merchants are approved within 24 to 48 hours of a complete application
- + No application, setup or annual fee, so getting a quote costs time rather than money
- + A proprietary gateway at no monthly charge, with major third-party gateways available if you need a specific integration
Trade-offs
- – Tiered pricing is the default — the least auditable structure in the industry, and reviewers describe eMerchantBroker as expensive even by high-risk standards
- – No published rates; you cannot compare cost without submitting an application
- – Early termination fees reported between $295 and $595, on contracts of one to three years with automatic renewal
- – Contract terms, reserve requirements and settlement timing are not published anywhere on the site
- – Complaint themes include heavy documentation demands during signup, unclear reasons for declines, and slow support responses at peak times
- – The 99% approval rate is the company's own marketing claim and is not independently verifiable — an approval is still subject to underwriting your specific business
Fees in detail
- Online rate: Quoted per merchant after application; tiered pricing is the default. Third-party reviewers report effective rates around 3% to 4% plus $0.1
- Disputes: Reported at around $25 per occurrence; not published
- Contract: Reported at one to three years depending on the underwriting bank, commonly with an automatic renewal clause
Standard published rate for a domestic online card payment. Confirm current pricing on eMerchantBroker's pricing page.
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