May 20, 2019

NY Man Sues, Claiming Apple’s Facial Recognition Software Led to His False Arrest

An alleged Apple’s facial recognition software failure may cost the tech giant a pretty penny. An 18-year-old New York man is suing Apple for $1 billion, claim its facial recognition software wrongly accused him of stealing $1,200 worth of merchandise from its stores. Ousmane Bah, a student, claims someone used a stolen identification card to pass himself off as him....

May 09, 2019

Widespread U.S. Contactless Payments Adoption May Be Near

The groundwork has been laid for widespread U.S. contactless payments adoption, but what will be the impetus for actually taking shape is a mystery, according to the Federal Reserve Bank of Boston report, “Tap to Pay: Will Contactless Cards Pave the Way for NFC Mobile Payments in the U.S.?” Background on the Contactless Card and Mobile Payments Movement In 2015,...

Mar 29, 2019

Save Money and Reduce Fraud Risks with Integrated Payables

Eliminate unnecessary costs, inefficiencies, and payment-fraud risks by implementing integrated payables into your business. What Are Integrated Payables? Instead of using an outdated, paper-based accounts payable process or partially automating your method with a vendor, use integrated payables to transform your organization. Banks and third-party providers offer integrated payable solutions, which incorporate all payment types, including ACH, checks, and virtual...

Mar 29, 2019

Fraud and Rise in Fintechs Trigger UK Real-Time Payment Changes

The U.K. is answering the call for real-time payment reforms due to shifts, including a major increase in digital payments, competition from non-traditional lenders, and fraud, in the payments industry. In response to all of the ever-evolving industry, The Bank of England will upgrade the U.K.’s Real-Time Gross Settlement (RTGS) system. In a completely separate move, Pay.UK, the country’s payments...

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...

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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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