Apr 26, 2016

Closed Bank Accounts And Cancelled Credit Lines – A Big Problem For Merchants

Operation Choke Point has negatively impacted a number of small-business owners. They have their bank accounts closed and credit lines cancelled. Shutting Down Merchant Accounts Operation Choke Point is an initiative by the US Department of Justice, which was announced in 2013. It aims to investigate US banks and the business they are running with payday lenders, payment processors, and...

Nov 09, 2015

Bitcoin Community Questions Bitcoin Foundation’s Stability

Recently a document was leaked that discusses the possible separation of the Bitcoin Foundation into two separate organizations. The separation would create a brand new entity to fund core development. The remainder of the Bitcoin Foundation would continue its work as a promotional organization supported by its current membership. This leaked document has made some question the health of the...

Aug 06, 2015

Could Bitcoin Provide a Solution for the World’s Unbanked?

Bitcoin is a rather new concept. Well, not too new but there is a large number of people out there who haven’t even heard about the digital currency yet. Apparently, this could change in the next few years if advocates of the currency get their wish. As Bitcoin struggles to gain mass appeal, lovers of the currency have started thinking...

Aug 06, 2015

Bitcoin and Adult Entertainment Make a Perfect Match on XoTika.TV

It’s been nearly 20 years since people started using credit cards to access adult content online. Before that, probably there wasn’t any adult content on the internet because the internet was just at its infancy stages. But, back on topic, as consumers continue to demand increased privacy, providers of adult content have been working extra hard to find viable options....

Jun 23, 2015

Bitcoin has a Promising Future Thanks to Big Investor Involvement

In a survey conducted by the Wall Street Journal, it was found that 76 percent of US residents are not familiar with Bitcoin. In addition, 80 percent would rather go with gold than Bitcoin. Bitcoin technology was introduced to the World Wide Web around five years ago, but it has yet to become a household name or a widely used...

May 29, 2015

New Tip Mechanism Makes Small Bitcoin Payments Possible

Digital wallet technology is changing the way that merchants interact with customers across the globe. Bitcoin is one of those technologies that make location irrelevant. Bitcoin is a form of digital currency that can be transferred from one user to another without calculating currency exchanges or going through a traditional payment processor like a bank. Recently Coinbase, a Bvitcoin wallet...

Mar 09, 2015

Bitcoin’s ‘Secure’ Future: Startups Exploring Bitcoin’s Data Security Potential

The value of bitcoin is beginning to expand beyond, well, bitcoin value. The mercurial online currency is based on a powerful peer-to-peer technology that is becoming recognized for it’s application and potential in other areas like information security. In recent years major retailers and even governments have struggled with data security. Bitcoin’s self-contained infrastructure offers potential in data security that...

Jan 14, 2015

Bitcoin Has a Growing User Base But it’s Still a Niche Market

Bitcoin’s digital currency payment is still getting traction with approximately 80,000 merchants accepting the payment worldwide. The numbers are predicted to increase throughout the years with the majority of merchants coming from e-commerce businesses. Notable sectors using Bitcoin include technology, computer, electronics, apparel retailers, food and travel services. Gone are stigmas that Bitcoins are only used for drug dealers and...

Dec 23, 2014

Tip Mechanism for Bitcoin Micropayments

Bitcoin is gaining considerable steam in becoming one of the most accepted forms of digital currency in the world. Bitcoin is now the first interoperable payment network, to enable small amounts of money to be distributed throughout the world with a new “tip” button. Digital currency experts believe that this newest development will revolutionize how consumers support their favorite websites,...

Nov 12, 2014

Do You Need a Bitcoin Merchant Account?

There is quite the debate among those in the financial industries on whether Bitcoin will garner more attraction as time passes. If you are not familiar with this mode of payment, investors purchase Bitcoins and supply and demand makes them more or less valuable. Unlike gold or silver which has published values, Bitcoin values are in the virtual world because...

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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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