With a combined 20 yearss +, EMB is the Nations leading provider of high risk merchant services. Our extensive network of banks, PSP's, ISO's and aggregators make us the country's only one stop shop for payment processing. EMB was created to meet the needs of high risk businesses, a growing segment of the electronic payment processing world.
The founders of EMB have decades of experience in the payment processing industry and have come together to create a truly unique offering for merchants, ISO's and agents. Out of the thousands of credit card processing companies available to merchants, there are very few that offer processing for high risk businesses such as collection agencies, adult websites and high volume merchants. Most "high risk processors" offered merchants terrible customer service, slow application approvals, outrageous pricing and expensive set up fees. EMB now offers high risk merchants award winning customer service, instant application approvals and low rates with no set up fees.
EMB also services high risk applications for some of the largest traditional ISO's in the country. In the past traditional ISO's simply declined high risk merchant applications because they could not underwrite the accounts according to their sponsoring banks credit policies. Now, ISO's send those declined applications to EMB due to their in-depth reporting, reliable residual payments and fast approval times.
A PayFac is a company that simplifies the payment process for sub-merchants by providing a unified platform. They act as a middleman between the sub-merchant and the acquiring #bank and handle all the necessary compliance and underwriting processes.
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