परिचय
EMS (UK) is a merchant services provider with a payment gateway that specialises in higher-risk businesses. The company openly states that it works with high-risk merchants.
What a high-risk merchant is
Banks treat a business as higher risk if it has a high chargeback ratio, complex regulation, a recurring billing model or reputational concerns. Typical cases include adult content, gambling, nutra, dating and subscription services. Mainstream acquirers often turn such companies down, so they look for specialised providers.
What such a provider can offer
- a payment gateway for online acceptance;
- matching with an acquiring bank that accepts risky categories;
- merchant account services.
What to consider
The company lists high-risk verticals itself, but approval of a specific business is not guaranteed; underwriting decides. Prepare:
- a description of the product and sales model;
- processing history for recent months;
- refund and chargeback ratios.
Terms
Pricing, countries and onboarding times are not public. For high-risk merchants rates are usually above standard and set individually after review.
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