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...

Aug 31, 2015

The Difference between EMB and Square

Merchants have a few options when it comes to setting up their merchant accounts. Gone are the days where they had to beg a bank for a piece of the action and a reasonable rate for account management. Because of advances in technology, merchants can decide between setting up a standard merchant account and using mobile processing to manage account...

Aug 06, 2015

Alternative Payment Solutions to the Rescue for Cancer Patients

Doctors who treat older Americans were deeply relieved after the Sustainable Growth Rate (SGR) formula was repealed in May, earlier in the year (2015). The SGR would have caused unnecessary cuts to Medicare payments which would have only hurt the physician-patient relationship. By replacing the backward payment strategy, patients under the Medicare program can now pay their physicians through advanced...

Jun 30, 2015

How Micropayments Can Make Your Profits Explode

Are you thinking about starting your own financial loan or retail business? Then there are many things you will have to line up before experiencing the enormous profits that result from a successful loan enterprise. Technology, financial models, and advertising methods must all be considered when you start this type of business. In addition, how your customers will pay and...

Jun 23, 2015

Alternative Payment Solutions Growing with FIS’s Potential In-Car Payments

The newest market for payments might surprise you. Payments have and continue to evolve considerably. Watches and fitness trackers, for example, now have payment capability. This has led to the thought, why not cars too? Cars are getting smarter and smarter, thanks to the internet and the numerous apps that continue to make it easier and easier to be connected....

May 22, 2015

Alternative Payment Processing is Booming, but Not All Are Created Equal

BitCoin is something that hasn’t been in the news as of late. This could be for many reasons, but one of the most significant is that it isn’t the only alternative payment source around anymore. There are currently over 100 alternative payment processing solutions, and that is just in the United States and Canada. While they may all look the...

Apr 23, 2015

Can Mobile Beat Plastic at the POS?

The mobile revolution has been coming for a long time. And now that it is here, many in the tech field are predicting the abandonment of current payment methods in favor of mobile payment systems like Apple Pay. But so far, this has not been the case. Consumers are still using the same payment methods of the past – mostly...

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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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