Apr 18, 2016

Friendly Credit Card Processing Rates For Collection Agencies, Hospitals And Medical Billing Firms

EMB, as a premier payment processing company, offers special rate plans to merchants involved in the collection agencies, hospitals, and medical billing industries. These exclusive rates can help you benefit from your business and increase revenue. Ideal Merchant Account Rates The rate plans offered by EMB are a perfect choice for those high-risk merchants who need reasonable options for credit card...

Mar 25, 2016

Citibank Charged With $8M Fines Over Debt Collections

The Consumer Financial Protection Bureau (CFPB) has recently charged Citigroup Inc. (Citi), an American multinational investment banking and financial services corporation, with fines and restitution. According to Richard Cordray, CFPB Director, the bureau is currently developing new rules for the debt collection industry. The fine ($8 million) and restitution were imposed based on the following facts. The company was supposed...

Mar 17, 2016

New Debt Collection Rules For Merchants

Scott Walker, Wisconsin Governor, has signed a Wisconsin Consumer Act amendment. Debt collection rules and requirements are made easier and more clarified. Changes to Debt Collection Laws According to Assembly Bill 117, debt collectors can provide less information to file a lawsuit. Importantly, only a final billing statement accurately reflects the amount owed. As for consumers, they’ll find it more...

Feb 29, 2016

Law Firm Collects $2.2 Million from Radio Shack for Texas Communities | Collection Agency Merchant Account

It was recently announced that law firm, Linebarger Goggan Blair & Sampson, has been helping communities across the state of Texas collect an estimated $2.2 million in property taxes from Radio Shack. This once thriving electronics retailer has been slowly working its way through Chapter 11 bankruptcy proceedings. The $2.2 million is reportedly the full sum the retailer owed for...

Feb 19, 2016

Victoria’s Secret Lawsuit Claims Violation of TCPA | Debt Collection Merchant Account

Victoria’s Secret, one of the world’s most successful lingerie retailers, is facing a class action lawsuit for violating the Telephone Consumer Protection Act. The lawsuit claims that the retailer sent one customer 97 text messages in a single month. Lead plaintiff Michael Hannegan, claims he signed up for “members-only” text alerts last May. The terms of agreement stated that members...

Jan 13, 2016


“Making money is art, and working is art, and good business is the best art.” – Andy Warhol A law firm based in Waltham, Massachusetts, has been collecting debts from Massachusetts consumers through unfair and deceptive practices for the last years. Attorney General Maura Healey has filed a lawsuit against the firm in Suffolk Superior Court. Healey Sues Waltham Law...

Dec 30, 2015

Will Debt Collectors Collect Taxes?

Is your small business behind on tax payments? Pretty soon you may get a call from a private debt collector instead of the IRS. A highway bill was released last week with a provision that forces the IRS to use certain private companies to collect taxes. This debt-collection provision is attached to a $305 billion, five-year highway bill. The Senate...

Nov 30, 2015


“If we desire respect for the law, we must first make the law respectable.” – Louis D. Brandeis On November 4, 2015, the Federal Trade Commission, an independent agency of the U.S. government, and other U.S. law enforcement officials announced the beginning of Operation Collection Protection. This is a coordinated federal-state enforcement initiative concerning deceptive and illegal or abusive debt...

Nov 18, 2015

JPMorgan Chase Settles with California Debtors

California debtors who filed a class-action lawsuit against JPMorgan Chase for unfair collecting practices can rest a little easier tonight. The company has settled the dispute for $100 million US dollars. This suit was brought forth in 2013, and it is sending a huge message to others in the collections industry. While the majority in the industry are reputable, some...

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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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