Sep 28, 2022

Businesses Can Create a Chargeback Prevention Plan With These Helpful Tips

Create a Chargeback Prevention Plan With These Essentials Within the payments industry, chargebacks are a common occurrence. In fact, even if you’re not in the payments industry, you’ve probably come across them at least once. A chargeback is when a customer disputes a purchase with their bank or credit card company. This dispute causes the money they paid to be...

Sep 27, 2022

Dating Merchant Account | Everything You Need to Know

A to Z: Everything You Need to Know About a Dating Merchant Account Since the launch of the first dating website in 1995, online dating has experienced impressive growth worldwide. According to Statistica, more than 44 million in the U.S. currently use online dating services, with revenue sitting at 602 million. As more and more dating companies attempt to start...

Sep 27, 2022

Can I Sell CBD on Shopify?

Can I Sell CBD on Shopify? CBD products are increasingly becoming popular. As of 2020, the sale of CBD products stood at $4.6 billion and is expected to rise to $16 billion by 2026. CBD products are sold in various platforms, both online and in-stores. If you are considering selling CBD on Shopify, you need to know all of the...

Sep 26, 2022

What You Should Know About a High Risk Adult Merchant Account

What you Should Know About High Risk Adult Merchant Account  Are you in the adult industry looking for a reliable and affordable high risk adult merchant account? What’s important to know before applying to a high risk payment processing company for an adult business merchant account? Adult Industry: Adult Business Merchant Account According to the Global Adult Entertainment Market report,...

Sep 26, 2022

How to Open a CBD Merchant Account in 2022

How to Open a CBD Merchant Account: A Comprehensive Guide It is perfectly legal to sell cannabidiol (CBD) in the US. The only requirement is your products must not contain more than 0.3% THC.  Unfortunately, getting a CBD business started has never been easy because of the difficulties in acquiring a “high-risk” merchant account. This guide will help you better...

Sep 20, 2022

The Power of ACH Payments for Adult Merchants & Why Credit Cards Don’t Suffice

As an adult merchant, you’re ever looking for ways to increase sales and grow your business. But did you know using credit cards for adult merchant payments can actually work against you? Here’s a look at the downsides of credit cards for adult merchant payments and how ACH payments can help you increase sales. Why Credit Cards Don’t Suffice 1....

Sep 20, 2022

Global Payments Inc. to Offer BNPL and Cryptocurrency Services

Global Payments Inc., a leading digital payment solutions provider, announced that it will offer buy now, pay later (BNPL) and cryptocurrency services to its clients. This move comes as the company looks to stay ahead of the curve in the ever-changing world of payments. The company has long been a payment industry leader, and this move is just the latest...

Sep 19, 2022

How to Open a Merchant Account that Accepts Cryptocurrency

Open a Merchant Account that Accepts Cryptocurrency As cryptocurrency becomes more mainstream, more businesses are wishing to offer payments with cryptocurrency as an option within their shopping cart.  If you’re a retailer accepting payments through your website, it’s time to consider accepting payments with cryptocurrency.   What is a Merchant Account Merchant accounts are accounts that allow businesses to accept credit...

Sep 19, 2022

Bad Credit Merchant Account Explained

What is a Bad Credit Merchant Account? If you have applied for a merchant account through a bank but were denied, you may need to explore the possibility of a bad credit merchant account. A merchant account is your business’ bank account, and can be used to take out loans as well as handle payments. If a business doesn’t have...

Sep 19, 2022

How to Accept Credit Card Payments for Small Businesses

How Small Businesses Can Accept Credit Card Payments Online  The ability to accept credit card payments is critical for modern businesses. Whether you sell and ship products or people can pre-order and pick them up in person, offering online payments can have a huge impact on your bottom line. It allows you to offer the convenience of online shopping without...

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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