eMerchantBroker Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

eMerchantBroker is best for any size business that is considered high-risk. It's considered one of the top payment processors for high-risk businesses that would otherwise have difficulty finding a standard merchant account provider. 

Specializes in

eMerchantBroker specializes in credit repair, collections agencies, adult websites, travel and timeshare, firearms and guns, bankruptcy and bad credit, online and in-person smoke shops. They also work with electronic cigarettes and other companies that fit into the high-risk merchant account category.

Pricing Summary

Setup Fee: $0

Monthly Fee: Undisclosed

Swipe Rate: 3.00% + $0.15

Keyed-in Rate: 4.00% + $0.25

Early Termination Fee : Up to $595

Contract Terms:

1 Year 3 Years
Visit eMerchantBroker

eMerchantBroker was established in 2011 and is currently headquartered in Los Angeles, California, with offices at  2985 E Hillcrest Dr #209, Thousand Oaks, California 91362. It is a registered ISO/MSP of BMO Harris Bank, N.A. in Schaumburg, Illinois.

The business is run by CEO is Blair Thomas and Co-founder is David Silverton.

eMerchantBroker markets its products and services for unique high-risk businesses such as CBD, adult websites, credit repair, and firearms and guns that may not qualify for traditional processors.

eMerchantBroker Overview


eMerchantBroker provides payment gateways, check processing, merchant accounts, international payments, and cryptocurrency portals for high-risk industries, such as the aforementioned adult websites, credit repair, travel, CBD, guns, firearms, and more.

Pricing terms and conditions indicate a contract length ranging from 1 to 3 years with automatic renewal, with a swipe rate of 3.00% + $0.15, and a keyed-in rate of 4.00% + $0.25.

eMerchantBroker currently holds an A+ rating with the Better Business Bureau and has been BBB accredited since 2012. The overall consensus is positive, with 50 comprehensive customer reviews and two customer complaints.

Quick Facts

Head Quarters

Thousand Oaks, CA

Year Founded



Blair Thomas



Merchant Provider Risk Tolerance

What We Like

Works with any size high risk business.

No setup fee.

Variable rates depending on the merchant's volume.

Merchants are notified whenever a fraud or chargeback occurs.

Checks are allowed to be accepted from customers.

What We Don't Like

Early termination fee.

Contract terms are from one to three years that automatically renew.

Advertises incomplete rates.

Works with third parties to process transactions.

Fees and pricing is not available to the general public.

Industries Served

  • Adult
  • Airlines
  • Bail Bonds
  • CBD & Hemp
  • Cigars & Tobacco
  • Credit Repair
  • Debt Consolidation
  • E-Cigarettes / Vape
  • Electronics
  • Gaming
  • Guns & Firearms
  • Hunting & Outdoor Equipment
  • Jet Charter
  • Marijuana / Cannabis
  • Moving Companies
  • Nutraceuticals & Supplement
  • Personal Service
  • Pharmaceutical
  • SAAS
  • Self Defense, Tasers & Stun Guns
  • SEO & SEM Services
  • Smoking Accessories
  • Sports Betting Advice
  • Thrift Store
  • Travel
  • Web Design Services

Business Types Served

  • International
  • Ecommerce
  • Enterprise Merchant Accounts
  • High Risk
  • High Volume
  • Information
  • Low Risk
  • Mobile
  • Mom & Pop
  • MOTO
  • Online
  • Retail / Card Present
  • Small Business
  • Tech Support
  • Wholesale

eMerchantBroker Products & Services


eMerchantBroker offers the following products and services, accessible via its website:

Merchant Accounts: eMerchantBroker works with third parties to process transactions. They do not process transactions in-house, and rather use processors such as First Data, iPayment, North American Bancard, and various others.

Chargeback Protection: eMerchantBroker provides tools that reduce the risk of fraud and chargebacks. As an added convenience, eMerchantBroker sends notifications to ensure customers are notified whenever a fraud event or chargeback occurs. 

Payment Gateways: eMerchantBroker provides payment gateways through third-party gateways, such as Authorize.Net, eProcessing Network, and various others.

Check Processing: eMerchantBroker allows businesses to accept checks from customers. Several services allow these to be accepted either in person or online. They provide an app for IOS devices that enable customers to simply take a photo of a check, submit it for review, and if it passes, it will be processed. 

Business Funding: eMerchantBroker offers a cash advance program, not unlike other merchant account providers.

eMerchantBroker Payment Processing

  • ACH Check Transactions
  • Bitcoin Processing Compatible
  • Cash Transactions
  • Chargeback & Fraud Prevention
  • Check Guarantee
  • Check Services
  • Credit Card Processing
  • Crypto Currency Compatible
  • Debit Card Processing
  • EBT Acceptance
  • eCheck & ACH Processing
  • High-Risk Industries
  • Merchant Cash Advance
  • Mobile Payments App
  • Online Payments
  • Payment Gateway
  • Virtual Terminal

eMerchantBroker Billing & Invoicing

  • Mobile Payments
  • Online Payments
  • Payment Processing
  • Recurring/Subscription Billing

eMerchantBroker Advertising & Sales

While EMerchantBroker's website offers an adequate amount of information highlighting its products, services, and other offerings, it doesn't explicitly mention its fees or pricing for the general public.

The company utilizes a combination of in-house sales representatives and independent sales agents. EMerchantBroker does not have any complaints against its advertising and sales.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


eMerchantBroker Pricing, Rates & Fees


eMerchantBroker does not list concrete prices and fees on their website for casual visitor consumption, and this information can only be gained through dialogue with one of their sales representatives.

When examining the eMerchantbroker website, it advertises processing rates that are "as low as 2.99%." It also goes on to explain that the 2.99% pricing applies to qualified merchants, and mid-qualified and non-qualified rates can be higher. With 2.99% as the baseline lowest rate, potential customers can likely anticipate higher rates. 

Processing rates average between 3.00% - 4.00%, with an additional $0.15 to $0.25 per transaction fee. eMerchantBroker primarily utilizes a tiered pricing plan, but it also offers interchange-plus pricing.

Pricing at a Glance

Pricing Model

Interchange PlusTiered Pricing

Swiped Rate

3.00% + $0.15

Keyed-in Rate

4.00% + $0.25

Mobile Payment Rate

Virtual Terminal Rate

4.00% + $0.25

Monthly Fee


Payment Gateway Fee


Batch Fee


Early Termination Fee

Up to $595

PCI Compliance Fee


Equipment Lease Terms


Address Verification Service (AVS)

Application Fee


Account Setup Fee


Gateway Setup Fee


Annual Fee


Monthly Minimum


Statement Fee

eMerchantBroker Contract & Terms

Contract lengths range between 1-3 years and have an automatic renewal clause. Early termination fees apply, with up to $295 for 1-year contracts and $595 for 3-year contracts.

Contract Length

1 Year3 Years

Early Termination Fee

Up to $595

eMerchantBroker Setup & Support


Setup Highlights

  • Documentation / Knowledge Base
  • Live Online (1-on-1)

Support Highlights

  • Domestic Phone Support (Business Hours)
  • Offshore Tech Support (After Hours)

eMerchantBroker Complaints, Ratings & Reviews

eMerchantBroker currently has an account with the Better Business Bureau that originated in August of 2018. It currently holds an A+ rating with the BBB and has two customer complaints. It has been accredited with the BBB since 2012.

The BBB's current complaints generally gravitate around issues with the products and services, or billing and collection disputes.  



A+(2 complaints)




2.3 Stars / Based on the opinion of 3 people


4 Stars / 4 Reviews


Total Online Reviews


Total Online Complaints




eMerchantBroker Alternatives


If you're in the market for a merchant account provider, be sure to check out our user reviews, our merchant accounts guide and our top popular merchant provider picks