Bad Credit? A Merchant Account Is No Problem.

If you have bed credit, you should consider checking out eMerchant Authority. We offer several different merchant options that for you to choose from, including different brands and different devices to accept payments.

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You May Be Considered A High Risk Merchant

If you have bad credit, your business may be considered high-risk to payment processing companies. This can make it difficult to find a company that is willing to work with you. This doesn’t have to be the case, as there are several options out there for businesses who are considered high risk.

If this is the case for you, you should consider checking out eMerchant Authority. They offer several different merchant options that for you to choose from, including different brands and different devices to accept payments.

eMerchant Authority makes it easy to get what you need for your business to be able to accept payments anywhere, whether that is on the go or at a store front. eMerchant Authority is the lowest cost merchant processor you will find on the market.

Use our fast application to get a custom tailored merchant account that fits your needs.

Opening A High Risk Merchant Account

If your business is deemed as high risk, you will more likely than not have an incredibly difficult time getting approval for a payment processing service. You will need to make sure that the company has experience with high risk businesses.

To open a high risk merchant account, you will need to submit an application with the payment processing company. The process is typically short and simple.

eMerchant Authority is able to get you approved incredibly fast for B2B, eCommerce, and retail businesses. They will also provide you their products and services at reduced rates with very little fees associated. Once approved, you will be able to start accepting payments online or on mobile purchases immediately.

Payment Processing For High Risk Businesses

Payment processing depends on your credit score to determine if you are considered high risk or not. It also depends on whether or not the industry you are in receives a lot of chargebacks. Chargebacks will lose money for you, and possibly the payment processor.

With a high risk business, any returns and chargebacks will be the responsibility of you, the business owner. You will be responsible for paying the money back to the customer in the event of a return or order cancellation.

Another instance may be that you received a payment from a customer, but the card used ends up being stolen. In this situation, the payment processor will not receive the money for the funds. If you have already used or spent those funds, the payment processor will come to you to get the money back.

Bad Credit Merchant Account FAQ’s

What is eMerchant Authority?

eMerchant Authority offers merchant accounts to businesses who are low risk or high risk. They offer some of the lowest fees in the industry, and they make all of their fees known to you before you sign up for an account. They also offer their products at insanely low prices, so you will get the best deal possible.

What is a Merchant Account?

A merchant account is a bank account for a business that can process credit and debit card payments as well as accept cash if you are working from a store front. A regular merchant account can be incredibly difficult to get approved for if you don’t have the greatest history.

This is where eMerchant Authority comes in. As a no credit check merchant account, they will more than likely be able to extend payment processing to you regardless of what your credit score looks like. 

How do I know if I am high risk?

More businesses fall into the classification of high risk than you would think. One thing you can look at to determine if you are high risk is your credit score. If your score is around 580 or less, you will likely be considered high risk.

You can also look at what business industries are considered high risk. These types of businesses typically include casinos, travel agencies, attorneys, and many more. eCommerce sales and store fronts may also be considered high risk.

If you aren’t sure how to be certain if you are high risk, you can reach out to eMerchant Authority. They will be able to help you determine your risk status, as well as get you set up with payment processing in an easy and quick manner.

What is the difference between a regular merchant account and a high risk one?

Regular merchant accounts are businesses that have great credit scores, low transaction amounts, low monthly processing amounts, and experience zero to very few returns.

High risk merchant accounts are for businesses who typically process more than $20,000 a month, have higher average transaction amounts, industries with high fraud and returns, and bad credit history.

High risk businesses will also have more fees to pay than a low risk businesses. Working with eMerchant Authority allows you to have access to lower than average fees for high risk accounts.

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