Merchant Account Services – Approval of Any Merchant Account

The eMerchant Authority team works with B2B, retail, and eCommerce businesses to get approved for low, to high risk, merchant accounts at the lowest rates and fees.

We Work With: Merchant Payment Options


No Obligation
Rates as low as 1%

*Rates quoted as the % above normal card interchange
costs, dues, fees, and assessments.

Trusted by over 5,000 Merchants

Reliable Processing

Easily accept payments for your goods, or service, with credit and debit card transactions.

Backup Processing

We provide back up processing to make sure you are covered in case anything happens to your business.

Low Reserves

We understand your business supports your family, so we make sure to have competively low reserve limits.

High Risk Merchant Account

Easy Integration

Our processing easily integrates with your ecommerce, POS, and mobile payment platforms.

Quick Payment

With the quickest payment times in the industry, we pride ourselves on making sure our clients get thier money.

We  Pre-Approve  Merchant  Accounts

Find the best high risk merchant account provider by knowing what to look for. Whether your ecommerce store is selling CBD oil, Adult Items, or Credit Repair services, your merchant account should custom fit your business’s needs. Through eMerchant Authority you’ll get access to our high risk payment gateway and direct network of 20+ banks and PSP’s.

Check Your High Risk Industry

CBD Merchant Processing

We are the top ranking CBD payment processor for new and established businesses. Helping you get fast approvals for a sustainable CBD merchant account.

Web Design SEO Credit Card Processing

SEO & Web Design professionals have unquestionably become a major part of the digital marketplace. At the same time, they also run a higher risk of running into problems with the payment processing companies and similar institutions. We can help you start accepting payments for those lucrative contracts. 

Travel Merchant Account

Running a travel agency is inherently risky. The chargeback rate is incredibly high. Due to the high-risk nature of this business, most standard merchant account providers will refuse to work with you. Not eMerchant Authority, we can get you an approved Merchant Account with in the week.

Skin & Hair Care Credit Card Processing

eMerchant Authority is the only resource you’re going to for setting up a Merchant Account. We can take care of everything your Skin & Hair Care business will need to begin the process of accepting online payments from your clients.

Pay-day Loans Merchant Account

Unfortunately, it’s almost impossible for online lenders to open a merchant account with big banks like Chase, Wells Fargo, or aggregate payment processors like PayPal, Stripe, and Square. Working with eMerchant Authority, we have the network to get your merchant account approved.

Online Gaming Credit Card Processing

eMerchant Authority is one of the leaders in the industry of online and casino gaming merchant accounts. We support high-risk accounts and offer services that will enable your gaming business to run successfully. 

Nutraceutical Credit Card Merchant Account

It can be extremely difficult to find a merchant account with credit card processing if you’re in the nutraceuticals industry. The possibility of high chargeback costs combined with the uncertainty of subscription-based payment models makes financial institutions reluctant to take on the risk. 

MLM Credit Card Processing

If you’re looking for an organization that can help you with payment processing and to set up your Multi-Level Marketing merchant account, then the eMerchant Authority is the right company for you.

Membership Club Payment Processing

Struggling as an online shopping and membership club merchant? Can your membership business benefit from the most reliable Merchant Solutions? Almost certainly, and eMerchant Authority can help you with all processing needs.

Male Enhancement Credit Card Processing

The risks associated with selling male enhancement products can be very challenging. This is particularly true when we talk about being able to rely on fast credit card payment processing. Luckily, eMerchant Authority has your back.

High Ticket Coaching Merchant Account

Are you looking for a provider to handle your high ticket coaching credit card solutions? You can consider your search over because eMerchant Authority is the #1 company for providing trusted payment processing solutions.

Health and Beauty Merchant Account

When it comes to finding a company to handle your business’s healthy and beauty merchant services, you’ve come to the right place. No company can handle your merchant accounts as beautifully as eMerchant Authority can.

Gentleman's Strip Club Credit Card Processing

eMerchant Authority provides sustainable and flexible merchant account solutions for several different kinds of establishments. These range from gentlemen’s clubs, strip clubs, adult entertainment clubs, dance clubs, and many more.

Firearms Credit Card Processing

Have you been turned down by multiple companies for a Firearms Merchant Account? eMerchant Authority is the perfect solution for you. We have designed a number of packages for those that run gun dealerships. This means that we offer NRA Endorsed credit card processing services.

Fantasy Sports Credit Card Processing

The universe of fantasy sports is more expansive than ever. At eMerchant Authority, we provide high-risk merchant accounts for fantasy sports businesses working with fantasy football, baseball, hockey, basketball, racing, college football, and more.

e-cigarette Merchant Account

When you sell on an online platform, you need to find e-cigarette merchant solutions that best fit your business. But definitely, it goes without saying – it isn’t easy to find one! eMerchant Authority offers various options to get your e-cig merchant account.

Document Preparation Merchant Account

Many law firms and other businesses that deal with document preparation have merchant accounts that are high risk. Often payment processing times can be slow, but eMerchant Authority provides the fastest payment processing services for these accounts.

Debt Collections MErchant Processing

If your company is in the business of collecting debts, then you will need to have some way to process payments.  eMerchant Authority specializes in merchant accounts for high-risk businesses. This includes debt collection agencies.

Dating Merchant Services

Your dating site is helping people find their perfect match, but you might be struggling to find your perfect match when it comes to your merchant account. With eMerchant Authority you won’t have to worry about how your business is going to process payment.

Credit Monitoring Merchant Services

If you’re looking for an organization that can help you with payment processing and to set up your Credit Monitoring Merchant Account, then the eMerchant Authority is the right company for you.

Continuity Billing Merchant Services

Continuity merchant account can incur severe costs if there are too many chargebacks claimed on it. It may also lead to full termination of the account, especially when aggregate payment processors like Square or Paypal.

Coins and Collectables Merchant Account

For all the numismatics out there, eMerchant Authority is among the premier payment processing experts for the sale and purchase of rare coins, metals, and collectibles. We allow any numismatic to create sustainable merchant accounts to accept payments. 

Business Opportunity Merchant Account

When it comes to getting clients a Business Opportunities Merchant Account ready to facilitate credit and debit card payments, eMerchant Authority is the premier service on the market. Any interested client should look to start their merchant application today. 

Business Consulting Merchant Account

One of the keys to being successful in this field will come down to having a comprehensive, secured, Business Consulting Merchant Account. This means working with a company that will always have your back.

Bad Credit Merchant Account

A business that needs a bad credit merchant account is classified as high risk. This classification can occur for a variety of reasons. That being said, regardless of the reasons why, being a high risk business can make it extremely difficult to find a reliable credit card processor.

Auto Warranty Merchant Processing

With the eMerchant Authority in action, you shouldn’t be worrying about high-risk payment processing anymore. The highly qualified experts are right there to help you get the best automotive warranty merchant services.

Airline Booking Merchant Account

Airline booking merchant accounts have always been high risk, which causes all sorts of headaches. eMerchant Authority is here to change that, offering rates that aren’t sky high.

Subscription Box Merchant Account

Selling any type of merchandise through an ecommerce store has its risks. If you have high chargebacks or a subscription billing model, we have the merchant account you need.

Credit Repair Merchant Account

Credit repair merchant accounts are essential for companies in the credit repair space. You provide credit solutions to customers and we’ll take care of the payment processing.

Pawn Shop Merchant Account

Taking your sales from storefront to online requires a pawn shop merchant account. We have easily integrated payment gateways to upgrade your business fast.

Adult Merchant

We offer a range of adult merchant accounts solution for many types of businesses. From adult toys to membership sites, we are your go-to adult merchant account.

High Risk Merchant Account Approved

Same Day Approvals

Get pre-approved as fast as the same day for difficult to obtain high risk merchant accounts . Our team of experts understands each business is different and has their unique needs. If you don’t qualify for instant approval, eMerchant Authority will work to get your application processed fast. The usual time between start of the application and final approval is five to ten business days.

High Risk Payment Processor

eMerchant Authority offers payment solutions to all businesses types, including high risk industries. Our banks are willing to accept the liability for the increased risk associated with those businesses that are categorized as high risk. Our payment gateway makes high risk credit card processing safer and more secure with integrated fraud solutions to prevent chargebacks.

High Risk Payment Processor
High Chargeback Rate Merchant Account

High Chargeback rate, no problem.

There are many reasons chargebacks occur; at eMerchant Authority, we work with our partners to reduce chargebacks and get you approved for a merchant account that is custom fit for your business needs.


With eMerchant Authority, your business can offer secure transactions while turning big profits, whether you have a brick and mortar retail store, ecommerce site or both.

If you want to accept credit cards in your business, you’ll need a merchant account to properly manage the money transfer from the customer’s bank to yours. eMerchant is a Registered ISO (Independent Sales Organization) and we provide merchant accounts that allow you to accept :

We can also provide internet merchant accounts that are compatible with leading shopping cart platforms such as:

Shopping Platforms

Advantages of using eMerchant Authority for your Merchant Account:

bullet point One stop shop for a retail merchant account, Account Services and POS Hardware.
bullet point Dedicated Account Manager
bullet point Lowest “swiped” or “Card Present” rates in the industry
bullet point Terminal Loaner Program if device ever fails
bullet point Free Terminal Program

Merchant Accounts

Save money using cash discount & surcharging programs.

By implementing a cash discount & surcharging program to your merchant account, you can save 100% on rates and fees. Cash discounts and surcharging merchant processing merchant accounts are very easy to set up with absolutely no extra or hidden costs.

Cash Discount

What is a cash discount? A cash discount is a great way for you and your customers to save money. When you list your prices, only state the credit card price, then offer a discount to people who pay with cash.

Merchant Account Surcharging Programs

Surcharging Fees

What are surcharging fees? If your business posts “cash only” prices, then the surcharging fee is placed on orders that are paid for by credit card.


eMerchant Authority is the leader in merchant processing for businesses of all sizes. We cater from medium to large establishments that would like to include POS systems and cashless payment transactions for their client's convenience. We also support new businesses, start-ups, and even high-risk merchants, so they can provide their customers with a secure and seamless shopping experience. Because customer satisfaction is also what we aim for.

Our services come at competitive rates, and we offer flexible payment solutions that are easy on the budget. Because we understand how financially difficult it is to be a business owner.

No cost surcharge and low-cost processing options. Latest hardware including Clover systems at unbeatable prices. We offer the perfect solution to all your retail payment system needs. Here are the unmatched benefits that you will receive when you apply for a retail merchant account with eMerchant Authority:

Merchant Processing

Merchant Account Experts

20+ Proven Bank Relationships
Medium/High Risk Accounts
Fast Merchant Account Approval
E-Commerce & Retail Options
B2B Vendors Supported

Multiple Payment Processing

Multiple Payment Solutions

Multiple E-Commerce Gateways
Chargeback Prevention
ACH, E-Check, Credit Cards
B2B Level 2/3 Data Discounts
3D Secure Frictionless Checkout
Mobile Payments
EMV Readers

Merchant Processing Technology

Intuitive Technology & Support

Gateway Recurring Billing
E-Commerce Cart Plugins
International Merchant Accounts
Dedicated Account Managers