Oct 28, 2022

What is a Bad Credit Merchant Account

Many businesses have opened in recent years, bringing small, passionate businesses to the forefront of many communities. Suppose you are a seasoned entrepreneur, a long-running corporation, or your very own newly appointed boss. In any case, merchant accounts are integral to many companies. Today we will review the ins and outs of bad credit merchant accounts. Dive into the financial...

Sep 19, 2022

Bad Credit Merchant Account Explained

What is a Bad Credit Merchant Account? If you have applied for a merchant account through a bank but were denied, you may need to explore the possibility of a bad credit merchant account. A merchant account is your business’ bank account, and can be used to take out loans as well as handle payments. If a business doesn’t have...

Jul 19, 2022

Acquiring A Bad Credit Merchant Account

When it comes to being approved for a merchant account, your personal credit score is considered one of the most important elements used during the underwriting process. Although you can get approved for a merchant account with bad credit, know that the terms and conditions will be vastly different. Be prepared to pay more on your service fees. Furthermore, a...

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...

Award winning.

  • 2012
  • 2013
  • 2014
  • 2015
  • 2016

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.

Live Chat