Jun 08, 2022

Adult Merchant Processing – Securing A Payment Processor

Since the start of the pandemic, most people worldwide were forced to stay home to halt the spread of the virus. Most service-oriented, customer-facing industries suffered tremendously due to their brick-and-mortar businesses being shut down.  One of the few industries that fared better was online media and entertainment services. One particular sector, online porn, experienced a dramatic surge in the...

May 23, 2022

Adult Subscription Merchant Accounts: A Leap Into The Taboo

Since the outbreak of COVID-19, many people found themselves stuck at home, with little to no personal contact with others. With their only companions being the Internet and their smartphone, customers have helped the adult industry explode as it joined forces with modern-day technology to fulfill customers’ needs. Today, the adult industry continues to be highly profitable, with some researchers...

May 12, 2022

Open A Vape And e-Cigarette Merchant Account

Grand View Research reported that the size of the e-cigarette and vape market size was valued at as much as $6.09 billion back in 2020. But it is also set to expand at a compound annual growth rate of 27.3% from the years 2021 to 2028. Worldwide vaping sales alone are expected to hit $40 billion by the year 2023....

Apr 28, 2022

7 Industries That Require a High-Risk Credit Card Processor

Due to the nature of their respective verticals, high-risk merchants have often turned away from traditional payment processing.  Why? High-risk businesses are more prone to chargebacks and fraud. Although the risk is inherent in every business, high-risk businesses are attacked at higher rates than low-risk businesses. What Other Activities Subject Businesses To The High-Risk Category? There are a number of...

Apr 19, 2022

How You Can Acquire An Adult Dating Merchant Account

According to Statista.com, it is predicted that by the year 2024, there will be almost 280 million customers using online dating platforms. The “global revenue” of matchmaking dating services is forecasted to reach well over $2.5 billion, also by the year 2024.  Allied Market Research cites that this growing trend in the last twenty years is a result of the...

Dec 06, 2021

How To Secure A Ticketing Sales Merchant Account

According to a new Grand View Research, Inc. report, the online event ticketing market size is projected to hit $67.99 billion worldwide by the year 2025. This increasing demand for online ticketing is related to the growing accessibility of the Internet. It is also attributed to an increase in disposable income, which gives way to a rise in discretionary spending...

Dec 06, 2021

What Is A High-Risk Business?

Running a business is not without risk. Competition, security and fraud, compliance with regulations, protecting your reputation, and a myriad of other challenges make operating an establishment quite an unsettling journey. When it comes to running a high-risk business, the stakes are even higher. Your business can be labeled high-risk if you meet at least two criteria: if you operate...

Dec 02, 2021

Businesses Considered High-Risk And Its Implications

The financial industry is teeming with risk. There is theft, fraud, and defaulted loans. Companies struggle to mitigate risk in order to keep more of their profits.  There are certain industries where there are higher incidences of both fraud and chargebacks. These industries are categorized as “high-risk”. When it comes to payment processing, being labeled as a “high-risk” business does...

Oct 24, 2013

Do You Need Payment Processing For Your E-Cig Store?

With the sales of cigarettes changing all across the country, it is no surprise of a change in the e-cigarette industry. Finding a merchant servicer that wants to do an electronic cigarette merchant account may not be the easiest task of the day. This account will likely fall into the high-risk merchant account area, but don’t panic. A lot of...

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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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