Nov 25, 2020

Smarter Consumers Call For Smarter Unattended Payments

Released in February 2020, “The Future of Unattended Retail Report”, a study conducted by both PYMNTS.com and USA Technologies, Inc., provides an in-depth analysis of findings based on a survey of over 2,000 U.S.-based consumers.  The quest was to find out what were the shopping experiences of these customers using the unattended retail channels and their desire to continue utilizing...

Nov 25, 2020

Merchants Require Payment Tech’s Support To Fully Digitize

According to the 2020 American Express Digital Payments survey, 58% of customers who had previously utilized contactless payments reported they are just as inclined to use them now more than ever before. The survey clearly demonstrates that customers are doing whatever they can to avoid contact during the Covid-19 pandemic.  Since this trend shows no sign of dissipating, merchants are...

Nov 25, 2020

6 Elements To Consider When Choosing A Payment Gateway

According to The Payer’s “Payment Methods Report 2019”, it was found that 86 percent of customers use both their credit cards and debit cards to make their online purchases. When it comes to making a purchase, more than 60 percent claimed that this same method was their preferred form of payment.  The primary goal behind payment gateways is to make...

Nov 02, 2020

Where to Find Vape and E-Cig Payment Processing Solutions

With vape shops popping up all over the country and in more and more towns, it’s probably not surprising that the demand for vape merchant services is on the rise. And this trend won’t be slowing down any time soon. In fact, industry experts and researchers have estimated that the vape industry will easily be worth over $8.26 billion by...

Nov 02, 2020

The Dos and Don’ts of CBD Marketing Claims for CBD Merchants

So, you have created an innovative, high-quality CBD product and you’re ready to bring it to the market. After testing for safety and compliance, you’re now ready to create the label. You’ve put together a list of profound benefits, but are unsure of what you can say and what you cannot say. Of course, you want your product’s unique selling...

Nov 02, 2020

How to Secure an Adult Entertainment Payment Gateway Solution

Unfortunately, when looking for credit card processing for your adult entertainment business, you may hit a snag: traditional providers may inform you repeatedly that they don’t work with the sector you’re a part of. In all honesty, the adult entertainment industry does come with reputational risk and chargeback issues traditional financial institutions do not wish to be linked to. So,...

Nov 02, 2020

4 Payment Methods to Integrate for the 2020 Holiday Season

With six-months of uncertainty and instability due to the Coronavirus under our belts, there does not seem to be a light at the end of the tunnel. At least, not yet. The changes that have ensued, with mandatory closings and social distancing, has predictably impacted brick and mortar businesses. Those that did survive have moved strategically online. Consumers, terrified of...

Oct 30, 2020

At The Height Of The Pandemic, Integrated Payments Are Key

Before the pandemic, adopting integrated payments was considered a worthy, forward-looking investment for your business. However, as a result of COVID-19, the switch has been more drastic and necessary.  Since the outbreak, integrated payments have proven themselves to be a vital component, a necessity for businesses in order to operate efficiently and grow beyond the pandemic. Author John Boitnott wrote...

Oct 30, 2020

Digital Banking Gaining Multitudes Of New Users

As COVID-19 has interrupted many lives and continues to do so, finances continue to be at the forefront of concern for millions around the world. With bank closings or operating at limited hours or by appointment, consumers have had to find other ways to access their funds and make their purchases.  Today, consumers are opting for digital banking in order...

Oct 30, 2020

How Payments Orchestration Can Facilitate Payment Integrations

Operating an e-commerce business is becoming increasingly more complex. Online business owners must manage their daily operations, customer demands, a rapidly evolving economy, innovative technology, and solid competition.  More often than not, merchants also face the tremendous challenge of handling their payment infrastructure. This aspect is often neglected due to a general lack of technical expertise to navigate its many...

Having a merchant account allows an account holder to take advantage of merchant cash advances. When a merchant is approved for an advance, the business agrees to receive a lump sum of cash in exchange for an agreed-upon percentage of future credit card sales.

Pricing varies depending on the merchant’s industry, past credit card processing history, the type of business seeking the account, average ticket sales, and average transaction volumes.

Yes, EMB works with merchants who are building their credit, as well as those who have poor credit. EMB also approves merchants that have no credit card processing history and businesses that have lost their merchant accounts due to high chargebacks.

Several factors influence a merchant’s risk level. Though only one factor likely will not get a merchant classified as high risk, a combination of these may: business size, location, and industry, credit score, credit card processing history, a industry’s reputation for excessive chargebacks, a prior history of high chargeback ratios, and whether a merchant exclusively sells online.

Virtual terminals are stationed on a merchant’s website, making it easy for customers to make a payment or purchase online. Merchants or a payment processor can easily set up virtual terminals, so online businesses can accept credit and debit card and e-check transactions.

A merchant account is a business account with an acquiring bank. Without this business account, which actually works more like a line of credit, a merchant cannot accept and process credit and debit card transactions. Businesses need a merchant account to accept major credit cards via a static point-of-sale terminal, mobile card reader, or through a virtual payment gateway.

After filling out EMB’s simple online application and submitting any necessary, requested documents, many merchants get approved within 24 and 48 hours.

EMB specializes in working with high-risk merchants. EMB works with many merchants, including but not limited to businesses in these industries: gambling and gaming, adult entertainment, nutraceuticals, vaping and e-cigarettes, electronics, tech support, travel, high-end furniture, weight loss programs, calling cards, e-books and software, and telecommunications.

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