Aug 11, 2016

FDA Regulations Leave E-Cig Merchants in Limbo!

For years, some mainstream merchant account providers have processed e-cig merchant accounts. While not all did so, some did, as this “high risk” industry could function as any other in terms of the government and its regulations. Recent changes have caused an uproar: E-Cigs are now stuck into the “high risk” category – and many mainstream retailers will be stuck...

Jun 21, 2016

4 Mistakes Business Owners Should Avoid with Credit Card Processors

After researching credit card processors, speaking to different sales people and going over quotes, you will have to submit an application; you must first receive approval from your chosen credit card processor before you can start processing. Before you put pen to paper, consider the following four common mistakes business owners should avoid when shopping for a credit card processor....

Apr 19, 2016

Electronic Cigarette Credit Card Payment Solutions Without The Headache

In the modern world of eCommerc, an electronic cigarette business is considered quite profitable. The e-cig industry has been growing with rapid advances in the recent years. To start and succeed, e-cig merchants should find a secure and reliable payment processor in the field. Electronic Cigarette Market Electronic cigarettes or vaporizers are also called electronic nicotine delivery systems. Chinese entrepreneurs...

Mar 17, 2016

21+ Smoking Age Vs. E-cig Industry

California lawmakers have recently voted to raise the legal age for tobacco and e-cigs use. They want e-cigarettes to be legally used and purchased at 21. The legislation has already passed the state Assembly. It would come into effect 90 days after Democratic Gov. Jerry Brown signs it. Raising Vaping Age to 21 In Hawaii, they have a higher age...

Feb 19, 2016

UK Approves First E-Cig Trial | E-cig Merchant Accounts Rejoice

Earlier this year, UK’s Medicines and Healthcare products Regulatory Agency (MHRA) approved its first electronic cigarette clinical trial. Reuters reports that the British American Tobacco (BAT) received the proper medical licenses to commence clinical trials this year. This means that its e-Voke vapouriser is eligible to be prescribed as a smoking cessation treatment. This will be the first e-cig officially...

Jan 13, 2016


“The wider the choice, the better the opportunity to switch to the alternative from traditional cigarettes.” – Rob Burton E-cigs are becoming a greatly popular alternative to traditional cigarettes. However, merchants trying to start a business in the field have to overcome hurdles associated with payment processing required for e-cig businesses. This is due to the unclear legality of the...

Dec 30, 2015

Consumers Say No to Mobile Payments

Consumers are planning to spend more cash than credit this holiday season, according to a survey conducted by Bankrate Inc. Out of 1,000 consumers surveyed, 39% said they intended to use mostly cash, while 31% opted for debit cards. Only 22% said they’d use credit this year. This comes as a shock to many major merchants who relied on open-to-buy...

Nov 09, 2015

British American Tobacco and Reynold’s Deal Will Change E-cig Market Forever

British American Tobacco Ltd (BAT) recently announced a vapor-technology sharing and licensing agreement with Reynolds American Inc., an essential step towards its expansion into Reynolds.  The companies are expected to close the deal by Dec. 31, with the proposed sharing running through the end of 2022. Over the past decade, health advocacy and anti-smoking campaigns has generated a strong cigarette...

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,...

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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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