eMerchant Review

August 21, 2022

eMerchant has been offering high-risk merchant accounts and other related services since 2002. The company prides itself on being an alternative to “typical” providers of merchant accounts. The company offers a range of products and services, as well as partnerships.

Opening an account with eMerchant gives you access to high-risk credit card processing. It also lets you accept contactless payments.

In addition to general merchant accounts, merchant specializes in high-risk merchant accounts. The company also offers nonprofit merchant accounts, multi-currency merchant accounts, and Yahoo Stores merchant accounts.



Address: 78 Discovery, Irvine, CA 92618 USA

Phone: (866)979-0260



eMerchant Merchant Services

Credit Card Processing

The company’s high-risk credit card processing services allow businesses to accept payments through Discover, American Express, Visa, and MasterCard. Businesses will also be able to accept JCB and Diners Club cards.

High-Risk Payment Processing

While eMerchant offers its solutions and products separately, it specializes in combining them to fit the needs of your business. This includes complete solutions for retail locations as well as businesses with just online stores. The full solution can include POS equipment, gateways, value-added services, and software integration.


eMerchant gladly serves a range of high-risk industries, including:

image of high risk industries

  • CBD
  • CBD-related products
  • E-cigarettes
  • Herbal supplements
  • Event tickets
  • Telemarketing
  • Timeshares
  • MLMs
  • Real estate
  • Dating websites
  • Magazine sales
  • Direct marketing
  • E-book downloads

  • Pre-paid debit cards
  • Calling cards
  • Incense
  • Electronics
  • VOIP services
  • Software downloads
  • Continuity accounts
  • Financial consulting
  • Collection agencies
  • Telecommunication services
  • SEO services
  • Annual contracts

Payment Gateway

image of quickcard payment gateway

You can choose from various popular payment gateways, including the proprietary eMerchantGateway.

This includes access to a virtual terminal, an open API to make integrations easy, and advanced fraud protection. The eMerchantGateway includes online invoicing, web payment forms, secure storage of customer information, fraud modules, tokenization, multi-currency processing, and the option to process payments in batches or in real-time.


If you prefer, you can use a better-known payment gateway. eMerchant supports PayPal’s Payflow Pro, USAePay, Cybersource, Authorize.Net, NMI, and others.

ACH Processing

You can also take advantage of e-check processing with eMerchant. This is as close to ACH processing as the company comes.

Chargeback Mitigation

eMerchantGateway includes 18 different fraud prevention modules. Some of these include address verification, multiple credit cards, and a card ID checker. Others include EMV-compliant card readers for transactions with the card present.

Yet other security measures include reCAPTCHA, restricting IP addresses, and the ability to use third-party integrations and apps to further reduce fraud.

eCommerce Platforms

eMerchant offers e-commerce cart, which is scalable and flexible. This e-commerce platform includes 450 built-in features as well as the eMerchantGateway.

If you already use a different e-commerce platform and want to continue to do so, eMerchant likely integrates with it.

image of e commerce platform

Business Loans

If your business needs additional funding, eMerchant also offers business loans. These include business expansion loans, working capital loans, and merchant cash advances.


eMerchant Fees, Rates & Pricing

eMerchant uses transparent interchange-plus pricing for its high-risk credit card processing. The company prides itself on the transparency of its pricing structure. Part of this includes detailed and clear explanations of the various fees, reserves, and interchange rates. It also includes breaking down the rates and margins.

As a potential eMerchant customer, you also get a side-by-side comparison with either your current rate or with other competitors. According to their website, eMerchant clients typically save 32% over other providers.

You can have your rates reviewed and receive a quote from eMerchant for free with no commitment or obligation.

image of e merchant fees rates and pricing

eMerchant Complaints

There are a handful of complaints about eMerchant online. On the BBB website, for example, there was one complaint closed in the last three years and one closed in the last 12 months.

Rip Off Reports

The compliant listed on the BBB website says that eMerchant charged additional fees that had not been disclosed, then claimed they would refund them, but didn’t.

However, this seems to be the only major complaint against the company.



eMerchant BBB Rating

It is worth mentioning, that eMerchant only has a B- rating from the BBB and is not BBB-accredited.

BBB Reviews

Additionally, the sole review of eMerchant listed on the BBB gave just 1 star. That review says that eMerchant was dishonest about its fees and charged them an additional several hundred dollars.


Is eMerchant Legitimate?

When you choose high-risk credit card processing from eMerchant, you get to take advantage of the company’s over 18 years of experience. This experience means that the company knows exactly what you need in a high-risk merchant account.

There are no known scams or lawsuits related to eMerchant. Additionally, while the company’s reputation on the BBB website has room for improvement, it is significantly better on other websites and in customer reviews.

image of e merchant legitimate

eMerchant Customer Reviews

Most customer reviews contrast with the one listed on the BBB. Most reviews praise eMerchant for its great service and rates. They also praise the company for its assistance during fraud issues and personalized service.



eMerchant is a well-established company offering high-risk credit card processing. With more than 18 years of experience, it has built a strong reputation. While there are some negative reviews, most praise the company. It stands out with its range of offerings and transparent pricing. eMerchant is certainly worth consideration for high-risk merchants.

For assistance choosing your payment processing company and more solutions, contact Shark Processing.

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