Jun 28, 2017

Interested in an PayPal eBay Merchant Account Alternative?

In 2015, PayPal and eBay turned into separate companies. According to eBay, both companies expected to drive benefits from the separation. As Neira Jones, UK payments expert notes, one of the strategic factors that played a significant role in the separation was the constant divergences about the future ambitions between the companies. PayPal was trying to become a regulated payment...

Apr 19, 2017

Recent Report On How Emerging Markets Affect Alternative Online Payments

Based on the report by yStats.com, the global e-commerce market is no longer dominated by payments made via credit cards. yStats.com is one of the world’s leading secondary market research companies. Emerging markets contribute to global online retail revenues. On the other hand, online consumers in advanced markets show changing preferences. All these factors made alternative payment methods account for...

Feb 06, 2017

Missing More Card Payments | Increased Card Usage

Credit bureau TransUnion, an American company that provides credit information and information management services has recently reported missed payments on credit cards issued by lenders are higher than on older cards. Credit Card Processing Almost 3% of outstanding balances on credit cards given out in 2015 were at least 90 days behind on payments 6 months after they were originated....

Jan 23, 2017

E-Payments | A Holistic Approach

It’s no surprise that speed plays a key role in payment processing. However, increased speed may result in lower accuracy. B2B transactions should be based on precise payment processing, sourcing and invoicing. Otherwise, the company’s bottom line may be brought into question. Checks Though the modern world of payment processing boasts various technological innovations, checks are still popular: paper checks...

Dec 22, 2016

Though Chip Cards Are Still Slow, They Protect You From Fraud

One year has passed since EMV technology arrived in the US credit card market. Chip cards are designed to make transactions safer and they really do this. According to a NerdWallet survey, the majority of consumers approve the EMV liability shift in the US. Happy Birthday EMV MasterCard reports 88% of its credit cards are chip-ready, but 67% of all...

Dec 13, 2016

The Latest in Payment Technology for the Adult Entertainment Industry

Despite the fact that the adult sector is a very lucrative industry, merchants struggle to find payment processing solutions. Adult businesses are known for experiencing high chargeback and dispute rates. This high risk environment makes the majority of traditional processors refuse to offer their services. Alternative providers like EMB, on the other hand, specialize in providing merchant accounts to adult...

Nov 21, 2016

Is PayPal The Only Option For eBay and Online Merchants?

PayPal is a strong payment system that many people across the globe rely on. Increasingly, more PayPal alternatives are appearing, enabling consumers to try a new way to pay. Different online payment service providers have different advantages. Some are cheaper or more reliable, others offer simplicity and flexibility. When it comes to eBay, PayPal has an immense presence in this...

Jul 20, 2016

Mobile Payment Processing – New Walmart Pay Stats

Walmart Pay was first launched in December 2015. It is now officially available in all 4.600+ Walmart stores across the US. Walmart Pay is developed to provide a more inclusive in-store shopping and payments experience to its customers. Walmart Pay The QR code used in the checkout process is not used for payment processing. In fact, it provides consumer authentication...

Jul 20, 2016

MasterCard Giving 40 Million Micro And Small Merchants Access To ePayments

In 2015, MasterCard set its Universal Financial Access 2020 goal to connect 40 million micro and small merchants to its electronic payments network in the upcoming 5 years. MasterCard’s Universal Financial Access 2020 Commitment Since 2013, over 200 million people, who were previously excluded from MasterCard’s financial mainstream, have gotten access to programs and services provided by the company. The...

Mar 22, 2016

A View On Alternative Payments – Will eWallets Surpass Credit Cards?

E-wallets are believed to become the most popular method for making online payments. According to some viewpoints, these methods or alternative payments include direct debits, bank transfers, cash on delivery, e-wallets and e-invoices, and also carrier billing, postpaid, prepaid and digital currencies. Alternative Payments Defining alternative payments as everything except credit cards may sound confusing. Basically, payments are categorized into...

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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 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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