Accepting Credit Cards Online – The Best Payment Gateways

Feb 28, 2012

Are you looking for the best online credit card processing gateway? Do you need to accept credit cards online? At you can compare the rates and fees from multiple credit card processing companies in one place. We can provide expert advice on the best secure payment gateway for your online business.

An online payment gateway can be used in multiple business scenarios. A payment gateway can act as a virtual terminal for business owners taking orders over the phone. It is most commonly used to integrate into the shopping cart of an e-commerce store. When choosing a payment gateway to integrate into your website, you should clarify what shopping cart you are using on your website.

Many shopping carts will provide integration guides that suggest certain payment gateways. It’s important to choose reputable gateway to ensure your website is fully protected against fraud. Websites are constantly being attacked by fraudsters looking to steal credit card information. In this blog we will discuss our top recommended secure payment gateways, each with their own benefits and advantages.

#1 is the worlds most popular payment gateway. They have recently been acquired by Visa, due in large part to their advancements in fraud protection and other security related advancements. For the merchant, is the most user friendly gateway on the market and it integrates into more shopping carts than any other secure payment gateway. We have many different providers that offer, however they tend to be one of the higher price gateways.

#2 eProcessingNetwork: This popular Internet gateway has many advanced features including email invoices, emulator and more. This is a low price alternative to and is compatible with most shopping carts on the market.

#3 NMI or Network Merchants Inc: The NMI gateway is one of our most popular gateways because it offers our clients a load balancing feature. Merchants can load multiple merchant accounts, or MID’s into the NMI backend and the gateway will automatically spread the transactions out across the merchant accounts. This is a great feature for high risk or high volume accounts.

To speak with a merchant adviser about what Internet payment gateway is the best fit for your business, click on start your online app today!

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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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