Aug 28, 2017

Security Plugins Shopify Merchants Should Use

E-commerce is thriving and growing with rapid advances. Online sales in the US are expected to account for $523 Billion by 2020, which is up 56% from $335 billion in 2015. Secure Payment Processing for Your Online Business As online sales are growing, fraud is increasing throughout e-commerce as a whole. According to Business Insider, fraud cost US retailers $32...

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 You Could Benefit From Accepting Credit Cards Online

Last year, the research showed there was a rapid decline in cash payments. 55% of the nation’s 27 million small businesses didn’t accept credit cards, and because of this they potentially missed out on $100 billion in annual sales. Even though cash continues to be the most commonly accepted payment type for small business owners, accepting credit cards counts for...

May 05, 2017

What You Should Know About Internet Payment Gateways

Thanks to online Internet payment gateway, payment processing can be completed through any device with Internet connection. It allows merchants to accept credit cards and signature debit cards through any Internet connection, without the need for a terminal. Also, it gives you an opportunity to process credit card orders from your website in real time. As a result, your customers...

Mar 27, 2017

The Impact of Value-Added Services On The Payment Gateways

With e-commerce becoming more globalized, merchants are looking for opportunities to benefit from the process and partner with a payment gateway. Value-added Services for Global Payment Gateways Value-added services are important for global payment gateways. When it comes to merchants who extend their reach to other countries, they get support from payment service providers. Merchants are offered front-end processing and...

Mar 17, 2017

Payment Gateway Providers. Which One To Choose?

A payment gateway is crucial for your business as it enables you to process sales made via credit and debit cards. Not all payment gateway providers offer the same. You should take the time to find a reputable provider so to get the best for your business. Where to Find the Right Payment Gateway? Look for a payment processor that...

Feb 20, 2017

Making a Smooth Switch from Your Current Merchant Account Provider to the Next One

If for whatever reason you’re dissatisfied with your current payment processor, it is time to jump ship. It makes no sense sticking to a firm with high rates, service problems, poor customer support or any other issues that impede your peace of mind. Unless it’s done in the best way possible, moving from one merchant services company to another can...

Feb 14, 2017

Online Payment Gateways: What they Are, and How They Work

If you’re the owner of a brick-and-mortar business, you have probably adopted credit cards as one of the primary methods for your customers to make payments. For that purpose, your merchant account provider has likely installed a point-of-sale terminal on your counter. Despite having the same payment processing needs, online traders don’t have the luxury of physical premises. So, rather...

Jul 26, 2016

Value-Added Services Redefining The Role Of Payment Gateways

The globalization of eCommerce has given business owners a wide range of new opportunities. Merchants trying to take advantage of these opportunities consider partnering with a payment gateway a logical approach. Merchants Vs eCommerce Globalization Merchants looking for ways to benefit from the global expansion of eCommerrce should not hesitate to take action. The high competition in the field requires...

Jan 18, 2016

BEST PAYMENT GATEWAY FOR HIGH RISK MERCHANTS

“Opportunities don’t happen. You create them.” – Chris Grosser The importance of a solid, reliable high-risk payment gateway is undeniable in the modern world of eCommerce. It’s of vital importance for merchants to be able to accept secure and affordable credit card payments. How Online Payments Work The moment a customer enters “Place Order” at the checkout of an eCcommerce...

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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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