Sep 19, 2017

6 Useful Credit Card Processing Tips for Small Businesses

Now that most consumers are pacing the shift to the use of credit cards, it’s mandatory that you enable your business to accept these cards. These days, most clients expect to easily make payments anywhere they go—your online shop is not an exception. Remember, minus up-to-date payment alternatives, you won’t be able to compete favorably in the ever-changing marketplace, especially...

Aug 25, 2017

Open Payment Platforms And What They Offer

The rise of APIs and the race for consumer loyalty have made payments players think of innovative solutions like never before. This has resulted in a new openness to outside developers. Both in the US and abroad, many organizations are opening up developer portals or joining open banking working groups, either by choice or by regulation. Open Access Is Spreading...

May 05, 2017

How to Choose the Right Credit Card Terminal

Choosing the credit card processing terminal that is the right fit for your business needs can help you minimize processing costs and boost your profits. Credit card terminals come in a variety of types. With a reputable payment processor like emerchantbroker.com (EMB), you can get the best for your business needs. There are cases when you should have more than...

Apr 27, 2017

Do You Know What Questions To Ask Your Credit Card Processor?

If you’re running a business, you’ll need to accept credit/debit cards. This means you should hire a third-party processing firm, which is known as merchant account providers or aggregators, that will manage the transaction between you and the card issuers. Before you could choose a credit card processor for your business, you should know the right questions to ask. If...

Feb 17, 2017

Why Accepting Credit Cards is Essential to Your High Risk Business

A merchant not accepting credit cards in today’s age and time loses a lot regarding sales and profits. Many customers see credit cards as a safer, less cumbersome way of carrying large amounts of cash and making purchases. If your business doesn’t give them the option, they’d rather move to your competitor than adhere to the alternative payment choices you...

Feb 06, 2017

Missing More Card Payments | Increased Card Usage

Credit bureau TransUnion, an American company that provides credit information and information management services has recently reported missed payments on credit cards issued by lenders are higher than on older cards. Credit Card Processing Almost 3% of outstanding balances on credit cards given out in 2015 were at least 90 days behind on payments 6 months after they were originated....

Dec 19, 2016

The Current State Of Credit Card Processing And What To Expect in The Future

According to BI Intelligence, Business Insider’s premium research service, the online processing market in the US will count for about $10.7 billion in 2016. With online shopping becoming more popular, this number is expected to reach $17.5 billion in 2020. Credit Card Processing Methods in the Present Below you can find the current methods of credit card processing: Credit Card...

Feb 29, 2016

Credit Card Processing for Accepting Non-Profits

Running a successful business is tough, and some say that running a successful nonprofit it tougher. Nothing is worse than having a great idea for a non-profit, and being clueless as to how to get started, and afterwards how to grow it. 2016 is here, and it is the perfect time to realize your dreams of operating a non-profit. However,...

Feb 13, 2015

Quick Payment Processing Plan Released By Federal Reserve

After much anticipation, the Federal Reserve has at long last released their blueprint for faster payment processing in the United States. Despite the Fed’s caution and wary approach, those in the payment processing industry, especially those with payday loan merchant accounts, are eagerly anticipating the modernization of payment in the United States. Many merchants operating with a payday loan merchant...

Jun 09, 2014

Irresponsible Spending Has Little Influence on Credit Card Debt

Amy Truab, a senior analyst and report author with The Debt Disparity, has published a story: What Drives Credit Card Debt in America. According to their research, low and middle income households suffer from debt by way of children and lack of health insurance. Wrap it up with some unemployment and BAM…. You have credit card debt. Well that makes...

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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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