Start Accepting Payments Online With A High Risk Payment Gateway

When you have an eMerchant Authority account, you can integrate the service effortlessly onto your website and accept credit cards. Allowying you to do far more with your business than you ever thought possible.

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.

What Is a Merchant Account? And What Is Considered High Risk?

A business owner needs to create a merchant account with a financial institution wherein they will receive money from customers. Every day in-store and online sales will be directly transferred to this account.

When awarding a merchant account, financial institutions categorize businesses into two types, the low-risk and the high-risk. This will determine the account benefits, services, and fees that a business will get.

Low-risk merchants have lower chances of fraud, money laundering, and other financial hazards that will cause them to lose money. Banks will readily cater to them and create a merchant account easily.

High-risk merchants, on the other hand, engage in businesses that are fraught with financial hazards. Banks deem these businesses as high-risk and will most likely not award the same benefits as those in the low-risk. There is also a high chance that the business will not get a merchant account with most financial institutions.

Want to know whether your business is high-risk? Get a free assessment today! 

Does My Business Need a High Risk Payment Gateway Provider?

High-risk businesses have a negative reputation in financial institutions for being money pits and causing so many headaches. These businesses are in danger of lots of chargebacks, possible money laundering, fraud, and tax evasion to name a few.

If your business falls under any of these high-risk industries, then you will definitely need a high risk payment gateway processor.

Adult Entertainment Industry (Adult Websites, Gentleman’s Club, Male Enhancement), Airlines & Booking, Auto Warranty, Business Consulting, CBD Products, Debt Collection, Payday Lending, Firearms, Health & Beauty, Skin & Hair Care, Membership Club, Nutraceutical, Online Gaming, Fantasy Sports, Online Betting, Pawnshops, Subscription Boxes, Vape and E-cigarettes, Website Design & SEO

No need to stress if your business is considered high-risk. Here, at eMerchant Authority, we can provide you with a high risk gateway and all the support that you need for your merchant account. We specialize in managing high-risk accounts, so you can be assured that you are in safe hands.

If you are unsure whether your business is high-risk, consult with our specialist to get an assessment. We can provide a quick appraisal and quote, so you don’t waste any of your time. Also, get a same-day pre-approval for qualified merchants.

Why Should I Choose Emerchant Authority As My High Risk Payment Gateway Provider?

As a high risk payment gateway, eMerchant Authority is a highly secure platform intended for businesses that process millions of transactions per year (also referred to as PCI DSS Level 1). While there are a lot of options when it comes to payment gateway providers, we can guarantee that none of them will offer you all the tools that eMerchant Authority can provide. If you would like to learn more about these tools, they are listed below.

High Risk Payment Gateway Gear

Customize Your Virtual Terminal

We offer a highly customizable virtual terminal. You can pick and choose what fields you require your customer to fill. This service will allow you to accept orders over the phone along with processing payments via bank accounts.

Manage Inventory

Manage Your Inventory

By using eMerchant Authority high risk payment gateway, you are given all kinds of tools that will allow you to manage your inventory. Adjusting prices, applying tax rates, and even changing the category of a particular product. Creating an order has never been easier!

Easy Integration

Easy Integration With The Click of A Button

Integrating a high risk payment gateway onto your website can be a real hassle. But with our QuickClick shopping cart, you can easily integrate the payment gateway into your website. All you have to do is follow a few quick and easy steps to create a unique URL and you’ll be done! It is that easy!

Multiple MID

We Support Multi-MID

It can be very tedious to manage more than one Merchant Identification number (MID). But with an eMerchant Authority high risk gateway, Multiple MIDs are easily managed! This feature allows you to manage your information and products across multiple merchants on a single account! For more information on our Multiple MID support, click here.

Merchant API

Our API Is Open For Business

The API for eMerchant Authority is like an open book! If you need to make any modifications, our gateway allows you to do so! For more information, documentation, and compatibility, click here.

Protect Customers

Protect Your Customers

The key to getting repeat customers is to protect their credit card data! With our gateway, your customer data will be kept safe even when you need to use it for payments or invoices!

Recurring Billing

Your Recurring Billing Will Run Like Clock Work

When you use eMerchant Authority, you can easily set up recurring payment schedules in any amount and on any set schedule. It is the ultimate fire and forget solution for recurring billing and it doesn’t require any extra steps!

Fraud Prevention

Fraud Prevention Tools

Fraudsters can be devastating for your business. By using our Fraud Prevention, you can monitor any suspicious activity and protect merchants from fraud. After all, the best way to avoid fraud is to prevent it. 

Quickbooks Export

Supports Exporting To QuickBooks

When you use eMerchant Authority, you are able to download all your transactions into a .iff file that can be read by your QuickBooks software. The export-tools provided by eMerchant Authority prepares your data and quickly transfers all of it into a helpful file.

Quickbooks Sync

Sync With QuickBooks

While our gateway does not support QuickBooks Cloud, we do have Sync features. This feature allows you to link eMerchant Authority with QuickBooks and process payments from it. View Demo.

Support ACH Processing

Support for ACH Processing

When you use eMerchant Authority, you will be able to easily process and accept ACH payments with the same gateway that you would use to accept credit card payments. This allows you to send invoices to your customers that lets them pay with either of these options.

Visa Security

Extra Security for Visa and Mastercard

We know how important Payer Authentication is, and as a result, it is supported by eMerchant Authority and it’s high risk payment gateway. Whether the customer is paying with a MasterCard or Visa, you will be able to offer them the security they need to shop safely with you.

Multi Level Processing

Multiple Level Processing

Whether you need Level 2 or Level 3 processing for your business, eMerchant Authority makes both of these options very easy. This allows you to keep your processing costs to a minimum. However, if you need to use Level 3 processing, there is a monthly fee of $30 for it.

High Risk Merchant Processing Report

Highly Detailed Reports

eMerchant Authority allows you to get all the information you could possibly need via reports. Within a minute you can generate reports in an excel spreadsheet with all of your data related to any and all transactions your business has had. You can even apply a bunch of filters so that you can as little or as much data as you need for your reports.

High Risk Payment Processing Hardware

We've Got The Hardware

If you need physical equipment to process card payments, you can purchase it from eMerchant Authority. We offer a USB card swiping device for only $129 and a chip reading EMV for $299 (EMV will require the right network configuration, so be sure to talk to one of our customer service representatives before purchasing) so that you can process physical cards directly with your eMerchant Authority high risk payment gateway.

High risk Mobile Payment Processing

Mobile Processing Made Easy

We also offer a eMerchant Authority mobile app and card swiping device. This allows you to process card payments on a phone or tablet from anywhere! We offer optional equipment for swiping card payments on a mobile device for just $99. With mobile processing the will be an additional fee of $5 per month.

With all of the features and options, it makes sense to go with eMerchant Authority.

Get a free quote by using the form above, or by clicking here.


eMerchant Authority prides itself in being a leader when it comes to the provision of merchant account solutions. We provide merchant account services for both low and high-risk businesses.
Our services are secure and reliable.

Besides, we understand just how financially difficult it is to become a business owner. This is why when you partner with us you also enjoy transparent pricing with no long-term contracts or hidden fees.
Whether you’re a startup or an established business, you can count on us to provide you with a perfect merchant service solution with the latest hardware and software tools such as Clover systems that are perfect for your retail payment needs.

And because customer satisfaction is what we aim for, we offer ongoing support to all our customers. Our 24/7 customer support team is always on call to answer your questions and attend to your needs.
Still interested?

Here are other additional benefits that you receive when you apply for an internet 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