Apr 25, 2022

Protect Your Business From The Uncertainties Of Disputes

If the devastating effects of the COVID-19 pandemic were not enough, businesses must also contend with the steady rise of “friendly fraud”. This is when a customer makes a purchase, receives the product, then requests a refund from their credit issuer. This refund is also known as a chargeback. Chargebacks can be deadly for the business bottom line, and eventually...

Oct 30, 2020

How To Identify The Level of Risk in Your Merchant Portfolio

With COVID-19 continuing to make headlines and impact people and businesses worldwide, the payments industry has found itself operating in an entirely new framework of risk management.  During this health crisis, bad actors have been hard at work, scamming and exploiting people based on fears and uncertainty. Others, wanting to take advantage of people’s benevolence, have created fake fundraisers and...

Jun 19, 2018

7 Must-Have Tools that Help Boost Customer Loyalty

Repeat business plays a vital role in the success of small business revenue growth. According to recent research by Gartner Group, just a 5% boost in customer retention can increase business profits by 25%-125%. In addition, 80% of your future profits will come from 20% of your loyal customers. If you want to focus on increasing customer retention, consider the...

May 04, 2018

What is Small Business Confidence and What Does It Mean?

From fickle customers to changes in supply lines, and from tax increases to regulatory changes, there’s a lot of risks involved in running a small business. How a company feels about its chances for success or its likelihood of failure is often called business confidence. Small business confidence reflects how small, “mom and pop” companies feel about their future. In...

May 03, 2018

What Credit Option is Best for Your Business?

Running a business is all about balancing money in and money out with the ultimate objective of generating maximum profits. However, due to delayed customer payments and frequent expansions and restocking, it is normal for a business to need more capital than it can afford from time to time, which calls for the borrowing of business funds. While credit has...

Apr 27, 2018

How to Beat Your Competition

It doesn’t matter how big or small your business is or what sector you operate in, you can challenge your competition in the digital age using a combination of technology and business awareness. There is no secret to how to make the most of your business and offer a real challenge to even the most established of competitors, and by...

Apr 20, 2018

4 Things Businesses Can do to Reduce Expenses

Businesses are consistently being grinded under expenses that rise every year. Many businesses tend to counterattack this but end up compromising on their quality, production and customers, too, because they have no knowledge on how to reduce expenses. Reducing expenses has become a necessity for both smaller and bigger businesses because cost of various things keep on rising with time...

Mar 12, 2018

Reducing Employee Absence in Your Company

In America, annual costs relating to loss of productivity due to employee absence are estimated at $84 billion. When you are running a high risk company, it is important to keep employee absence to a minimum, so that it doesn’t have a financial impact. Increasing your business profits means having staff that you can rely on, that are committed to...

Mar 08, 2018

Can Becoming Your Own Boss Free You From Debt?

Becoming your own boss can be both an exciting and scary prospect, but if you’ve got talent, vision, and persistence, having your own business can free you from debt. However, it all starts with good debt management because the 452, 835 businesses born in 2014 mostly got their startup money from their own savings. Based on the report, entrepreneurship has...

Jan 15, 2018

How to Start a Music Teaching Business from Your Home

Where it used to be that you would need to leave your home and go to your place of employment in order to make money, today, more and more at-home businesses are being started. Whether you are looking to create an at-home business that is your sole source of income or it’s meant to be more of a side job,...

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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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