Aug 12, 2014

The CFPB Begins Taking Complaints on Debt Settlement and Credit Repair

 How the CFPB Works The Consumer Financial Protection Bureau (CFPB) began operations in July 2011 and takes complaints about a wide range of financial services including credit cards, mortgages, bank accounts and services, private student loans, auto and other consumer loans, credit reporting, debt collection, payday loans, and money transfers. On July 21, 2014, the CFPB announced that it was...

Aug 08, 2014

Credit Default Rates Decline

Since the economic crisis of 2008, the economy has been slowly recovering. The latest data shows that the economy is continuing to grow and perhaps is getting stronger, coming close to reaching pre-crisis levels. In fact, the Credit Default Indices show a decline in default rates. The S&P Dow Jones/Experian Credit Default Indices, which measures the changes in consumer credit...

May 09, 2014

Do I Need a Credit Repair Merchant Account?

  Credit repair is something that many people get themselves. It is important for people to feel in control of their financial situations. When a person has trouble with bankruptcy or has damaged credit or outstanding bills they tend to look for ways your repair their credit. It can be complicated to begin a new business. There are some businesses...

Jan 24, 2014

Understanding your Credit Score and Credit Report

Credit affects everything you do later in life. Buying a car, putting down a house, and running your own business. It is important to understand how to monitor and track your own credit score and credit rating. The following common questions will help you to understand credit reports so you can stay on top of your own credit history. If...

Oct 22, 2013

The Easiest Way To Acquire a Credit Repair Merchant Account

Getting a merchant account is as simple as filling out their paperwork and waiting for the twenty-four to forty-eight-hour time period for an answer. Many of the nation’s businesses are listed under the high-risk designation, so if you have been placed there, don’t panic. If you have chosen to be a credit repair business, don’t shy away from a merchant...

Aug 29, 2013

What Is Credit Repair Merchant Account?

Each year the demand for credit repair services increases exponentially as millions of new customers have inaccuracies or poor credit on their credit reports, do not understand the credit reporting system and seek help to improve their credit. Credit repair services have the extensive training and knowledge to help improve the credit of their customers by giving them straightforward answers...

Aug 22, 2013

Attain financial freedom by reducing your credit card debt

GUEST POST by: Ryan Jones When it comes to financial freedom, then credit card debt can form one of the foremost barriers to it. You see, as a consumer, your first focus should be to reduce credit card debt if you’re looking to attain financial freedom. Generally, it’s seen that credit card companies go on to entice their customers with...

Sep 06, 2012

Merchant Accounts for Start Up Credit Repair Companies

Merchant Account for Credit Repair If you’re in the midst of attempting to set up a merchant account for credit repair, you might be in the midst of tearing your hair out right about now. Credit repair businesses have a notoriously hard time getting merchant accounts – in fact, there are only a handful of providers in the United States...

Mar 05, 2012

What is the Best Merchant Account for a Credit Repair Company?

Credit repair companies can find it difficult to find a merchant account provider that will work with their business type. Sales people may even accept your application, only to decline it later. At we specialize in high risk merchant accounts. We pride ourselves on providing the lowest rates and most competitive pricing for high risk credit card processing. Why...

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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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