Sep 16, 2015

New E-Cigarette Regulations Could Put Retailers out of Business

Electronic cigarettes have always been a hot topic. Earlier on, they were seen as big business and many entrepreneurs jumped at the opportunity. In fact, those who have been in the industry for upwards of 20 years have been seen enormous returns on investment. In Indiana, particularly, e-cig business has been big business! However, this smooth ride is about to...

Aug 21, 2015

Tips to Improve Your Electronic Cigarette Business

Electronic cigarette usage is on the rise, which is great for their merchants. While the sales are huge, and merchants are making a killing in the market, it may be tough to break into the market. One issue with electronic cigarette merchants is that everyone is the same. There are only so many ways that you can market a product,...

Jul 20, 2015

Attorney General to Crackdown on E-Cigs | What it Means for E-Cig Merchants?

In news that will leave most people quietly smiling, a top prosecutor has vowed to engage in a major crackdown to get e-cigarettes off the hands of school children. This comes hot on the heels of a new study which shows that use the substances among school going children in the U.S. has more than tripled. The New York Attorney...

Jun 24, 2015

E-cigarette Bill Awaiting Approval on Indiana Governor’s Desk

An e-cigarette bill for the state of Indiana has made its way to the Governor’s desk. H.B. 143 was passed April 16th with a 73-14 vote in the House. Many are anxiously waiting to see if it will be signed into law. This bill would involve the regulation of liquids that are used in electronic cigarettes. The first individual to...

Jun 16, 2015

E-Cig Merchants, Rejoice! The First Certified Organic Vapes are Now Available

Electronic cigarette merchant accounts are going to be in even more high demand, since America’s first ever certified organic vapes are now available. Of course, the jury is still out on vape safety, but right now they do seem to be the best bet when someone wants to give up regular tobacco cigarettes, but still keep the “smoking” habit. Outside...

Jun 15, 2015

Are E-Cig Merchants Being Left Behind when it comes to Mobile Wallet Payments?

Mobile payments have become a new “must” for retailors. Recent studies have shown that a large number of consumers are using a mobile wallet to make their payments. For retailors that do not accept mobile wallet payments, they could be losing considerably in sales. In a January 2015 survey conducted by Interactions Consumer Experience Marketing Inc., approximately 30% of consumers...

May 27, 2015

Is Public Opinion Turning Against Vaping?

As the FDA discusses how to regulate electronic cigarettes, multiple studies are being conducted to determine the effects and appeal of e-cigs, and how vaping compares to smoking traditional cigarettes. As vaping starts to catch on, it has become an increasing target of attacks. Some health advocates wonder if e-cigs will cause the same or similar health issues as regular...

May 22, 2015

E-Cig Usage Grows in Teens

According to a recent New York Times article, upwards of 15% of high school aged boys and girls use e-cigarettes, or e-cigs. While the verdict is still out on their safety, many are touting these electronic devices as a way to keep kids away from tobacco and cigars. While not everyone will switch to an e-cig, many are, and many...

May 11, 2015

Will Regulation Stop E-Cig Growth?

Electronic cigarettes are becoming extremely popular in the United States and around the world, as the FDA teeters on regulation for the billion dollar industry. Right now the FDA and other organizations are running studies to test the health effects of e-cigs. Until the FDA enacts federal regulation, how to treat e-cigs has been left up to each individual state....

Apr 22, 2015

New Legislation Could Leave Your E-Cig Business in a Jam if You Are Not Prepared

E-Cig merchants should already know of new changes surrounding many states and e-cig sales. The changes involve the inability in many states to sell to minors, i.e., those under 18 years old. While the change is strictly watched in law enforcement, many do not realize that these changes are also being watched by merchant account processors. While fake ID’s are...

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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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