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...

Apr 22, 2015

Good-Bye Order! The Square Wallet Successor After 10 Months

Order has shut down, and those who use it are not happy. While this is devastating to the merchants who used it, there is another choice to process your plastic card payments. With EMB, you will be able to obtain a high risk or bad credit merchant account to help your business succeed into the future. Bad credit merchant accounts...

Apr 14, 2015

Today’s Landscape of Alternative Payments Industry

As we continue to move towards more and more technological advances, we continue to change the landscape of many different industries. One such industry which has seen major changes in the last 20 years or so is the payments industry. Humans started barter trade, before smoothly moving to coins and different other forms of payments and currencies. Today, we have...

Dec 15, 2014

How Alternative Payment Processors can Save the Adult Industry

The adult sector is a lucrative industry. With the invention of the internet, adult services generate billions of dollars in revenue every year. Still many adult oriented businesses have a difficult time obtaining adult merchant accounts through traditional payment processors. Porn performers and businesses are met with discrimination from online payment processors like PayPal, WePay, and Google Wallet. Many have...

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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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