Sep 14, 2018

How to Get a New Business Underway with Bad Personal Credit

Getting your hands on the funds to launch a business is not easy if you have bad personal credit, but your dreams of owning a company are still valid. For upcoming firm owners, it is difficult to borrow and get the starting capital funds to lift your company off the ground with bad personal credit. But that is no point...

Aug 15, 2018

5 Credit Headaches that Pain Small Business Owners

All micro-businesses know how difficult it can be to achieve the state of success they’d wish for their firms especially when funding is inadequate. And regardless of your source of financial backing— whether from conventional banks, an alternative lender, or an angel investor— it is essential that your credit remains rock solid. According to a survey by Nav, the financial...

Jul 23, 2018

Bad Credit Merchant Account for Your Low Credit Business

Do you have past bankruptcies, tax liens, and bad credit? Do you think your business is on the hook? Where to find a payment processing company that’s willing to work with you and can get you a bad credit merchant account easily? Just read this article and you’ll discover. Looking for a High Risk Merchant Account Provider? Are you running...

Jul 10, 2018

Poor Cash Flow Struggles – Get a Bad Credit Merchant Account While Avoiding Credit Woes

Cash flow problems cause a staggering 82% of small businesses to crumble, according to a U.S. bank study. If you are lucky enough to hold on to your business, long stretches of poor cash flow can prevent you from experimenting with new products, buying more inventory during an anticipated busy period, and growing your business. In these types of situations,...

Jun 20, 2018

Your Business Plan Regardless of Bad Credit

Do you have an amazing idea for a small business based on a promising market opportunity? Can’t you get started because of poor credit? How can you get the necessary funds? How can you open a merchant account bad credit? No worries. Just read below and you’ll know how you can get the best for your business needs, even if...

Mar 28, 2018

Get Instant Approval for Your Bad Credit Merchant Account

Have you been rejected by a credit card processor? Do you need to get your bad credit merchant account approved quickly? What to do to get instant approval for a bad credit merchant account? This article will tell you about bad credit merchant accounts and how you can get approved instantly. Need a Bad Credit Merchant Account? To accept credit...

Oct 30, 2017

How to Get a High Risk Bad Credit Merchant Account

It’s never smooth sailing for small upcoming business. The challenges that come with running your new business may go out of hand depending on different factors. So if you’ve suffered bad credit or bankruptcy from a previous business enterprise, then you’re definitely a high risk retailer who will need a bad credit merchant account. What’s a bad credit merchant account? These...

Sep 29, 2017

Bad Credit? How to Obtain a Merchant Account with Poor Credit With Instant Approval

To accept credit and debit cards from your customers, you will need to first secure a merchant account. Easier said than done? One of the biggest reasons merchants struggle to secure an account is because of bad credit. If your struggling with bad credit from a previous business venture – or other circumstances – you will be glad to hear...

Aug 25, 2017

Open Payment Platforms And What They Offer

The rise of APIs and the race for consumer loyalty have made payments players think of innovative solutions like never before. This has resulted in a new openness to outside developers. Both in the US and abroad, many organizations are opening up developer portals or joining open banking working groups, either by choice or by regulation. Open Access Is Spreading...

Jun 14, 2017

Credit Card Processing For Merchants With Bad Credit

If you want to grow your business, you should start accepting credit cards from your customers. For this, you should obtain a merchant account. If you’ve decided to turn to a merchant processor, the latter will require a fee for accepting credit card transactions and will connect transactions with your business checking account. Criteria for approving your merchant account vary...

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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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