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,...

May 07, 2019

Apple Pay Use Soars, Expected to Hit 10 Billion Payments in 2019

Apple Pay is nearing another milestone– it is on track to process 10 billion transactions by the end of 2019. Getting a lift from transit systems that are embracing digital wallets and the increase of merchants using contactless payments, Apple Pay saw another quarter of record volume, the company chief executive, Tim Cook, announced recently. Though it is unclear how...

Apr 12, 2019

Apple Pay Adoption Up an Estimated 36% in Five Months

More than 43% of global iPhone users have enabled Apple Pay, according to estimates from the venture capital firm, Loup Ventures LLC. This means that Apple Pay adoption reached 43% of iPhone users. What’s Driving the Boom? Since its launch in 2014, Apple Pay has continued to gain support from retailers and iPhone users. The Minneapolis-based venture firm based its...

Apr 13, 2017

Apply Pay As The Top In-Store/Online Mobile Payment Option

Based on the 18th annual POS/Customer Engagement Survey by Boston Retail Partners (BRP), 36% of retailers accept Apple Pay. PayPal held the 1st place in 2016, and this year, took the 2nd place with 34% of retailers accepting the payment method. Apple Pay and Other Payment Options According to Boston Retail Partners, Apple Pay has the largest percentage of supporting...

Jan 11, 2017

Apple Pay For The Web Is On The Rise

According to a report from SimilarTech, a Web analytics firm, Apple Pay on the Web has become quite popular. SimilarTech’s platform tracks more than 30 million web pages per month and shows that Apple Pay has turned into the 5th most popular payment platform used by eCommerce websites ranked in the top 10.000. It is the 5th most widely-used payment...

Apr 22, 2015

Apple Pay is Now Looking For a Fix Thanks to Hackers

Hackers have found a new target and victim: Apple Pay. The ever-popular new payment app is now the victim of a hacking, but it wasn’t a full-blown hacking as we have seen with various retailers. This hacking was a soft hacking, which some industry experts see as a possible test run for something bigger down the road. Due to this...

Apr 22, 2015

Apple Pay Customers are Repeat Customers

Studies have shown that those who pay with Apple Pay are more likely to return to the same store again in the future. Perhaps it is because they genuinely like the store, but it is even more plausible that it is because they are able to use Apply Pay. While it gets a lot of press, like Bitcoin, many merchants...

Dec 22, 2014

Why Apple Pay Will Payoff for Merchants

It’s been a few months since Apple announced its release of Apple Pay, a mobile wallet available on the iPhone 6 and iPhone 6 Plus. But mobile wallets have been around for a few years, and Americans have been very slow to adopt them. So why are so many mobile payment processing officials excited about the future of Apple Pay...

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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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