Sep 13, 2022

All There is to Learn About High-Risk Merchant Accounts

A high-risk account is one typically used by businesses that are considered high-risk. This can include businesses in industries that are known for having a high rate of chargebacks or fraud or businesses that are new and don’t have a long history of credit card processing. Who Needs a High-Risk Merchant Account? Several businesses may need a high-risk merchant account...

Aug 11, 2022

High Risk Merchant Account:What You Need To Know

A high-risk merchant account is what makes it possible for high-risk merchants to confidently accept both credit and debit card payments, without fear of excess chargebacks and fraud.  What Is A High-Risk Merchant? Before we dive into what a high-risk merchant account is, let’s explore what a high-risk merchant is.  A high-risk merchant is one that has been categorized as...

Jul 25, 2022

The Benefits Of A High Risk Merchant Account

All businesses must have a way to accept payments from their customers. Especially when your business is an e-commerce or online business. If your business is entirely online, then that means that you will be completely dependent on card-not-present transactions. And this means that you are going to need a merchant account to process those credit and debit card payments. ...

Jul 25, 2022

Discovering High-Risk Merchant Accounts

If you are a business that has been categorized as high risk, then you will already be familiar with the difficulty and complexity of obtaining payment processing services from banks and other providers.  Why is it so difficult? It has to do with risk. This risk can be in the form of experiencing higher than usual chargebacks, as well as...

Jun 29, 2022

Opening A High-Risk Merchant Account

The essence of any e-Commerce business is the ability to process debit and credit card payments. To process payments, you will need a merchant account to process all of your card transactions in a secure and seamless manner.  If you happen to operate a high-risk business, you will face difficulties trying to acquire a traditional merchant account.  As opposed to...

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 31, 2022

Get Approved For The Best High-Risk Merchant Account

As e-Commerce continues to enjoy explosive growth in the last few years, even more so during the pandemic, the need for processing credit and debit card payments becomes more of a necessity. This is especially true for high-risk businesses. However, if you think that a traditional bank or payment processor will gladly partner up with you to open a merchant...

May 31, 2022

High-Risk Merchant Account Instant Approval: A Reality?

When you have a high-risk business, you are well-acquainted with the numerous challenges your business faces in order to keep your doors open. The most important order of business is to ensure that you have a reliable and well-equipped merchant account to help you dodge the most serious offenders and threats to your operation: fraud and chargebacks. But what happens...

May 27, 2022

High-Risk Merchant Account: What Are They And How Do They Work?

Running a high-risk business is no walk in the park. Between navigating the higher incidences of fraud and chargebacks to being denied a merchant account, it seems like high-risk merchants are constantly having an uphill battle. But it doesn’t have to be this way. What Makes A Business High-Risk? Before we dive deeper into this article, let’s explore what categorizes...

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...

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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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