Oct 22, 2018

Business Credit Cards May Hurt Personal Credit Scores

Though you may think that your business and personal credit scores do not cross paths, think again. Since almost all business credit cards do not require collateral, they require you to sign personal guarantee agreements. Agreeing to these terms mean you and your business are liable for any balances, therefore, they can impact your personal credit scores. In fact, if...

Mar 29, 2018

How to Turn Your Passion into a Career

Having a passion usually transcends into having a goal you one day wish to accomplish. However, whether you pursue that passion or not is up to you. If you in any way believe you can make a viable company out of your passion, you have to go for it. Life is too short for missed chances, and starting your own...

Mar 28, 2018

4 Tips on Getting More Shares From Your Marketing Videos

Are you a business owner trying to attract more customers? Utilizing the power of internet marketing is a great way to further the reach of your business. In order to catch the eye of the general public, you will need to find a way to set yourself apart from the competition. One of the best ways to do this is...

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,...

May 04, 2017

How To Avoid Call Hold Times From Hurting Your Business

It won’t be easy to provide a great experience to callers after they’ve been put on hold. Most customers will tolerate a little hold time but will lose patience quickly, which will result in either an angry caller or even worse – an abandoned call. This will lead to a poor customer experience, which is something not a single company...

Jul 15, 2014

Re-Purposing Pinterest for B2B Marketing

As more and more businesses marketers shift their attention toward social media, we’re all trying to catch the next trend, even before it’s trending.  In the digital realm where content is king, B2B sales reps mustn’t overlook the value of Pinterest, a social network driven entirely by sharing and curating content. Despite optimal conditions for promotion and sales, businesses account...

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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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