Jan 21, 2022

High Risk Payment Processors Are Trusted By Businesses

High-risk merchants face many challenges. Depending on the industry they serve, they may grapple with unusually high rates of chargebacks, friendly fraud, missed or late payments, just to name a few. All of these issues can lead to higher than average fees and require more time and energy from payment processors to successfully manage these high risk merchant accounts.  These...

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

Payment Solution Tips For Your High-Risk Business

Finding a reputable and trustworthy high-risk merchant account provider can be a challenge. Industries that have higher than normal incidences for fraud and chargebacks, “legal gray areas”, age restrictions, and so forth are likely to hit a brick wall when it comes to securing a high-risk merchant account. It is no wonder. High-risk businesses are capable of generating a considerable...

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...

Nov 30, 2021

5 Reasons Why A High-risk Merchant Account Is Essential

If you are a high-risk merchant, chances are you may have been turned away by traditional banks when applying for a merchant account.  Your particular business may have been categorized as high-risk due to having higher incidences of fraud and chargebacks.  But in order for your business to remain solvent, you must be able to process credit and debit card...

Oct 27, 2021

What You Must Know About High Risk Merchant Accounts

In this increasingly digital and cashless economic world, more e-Commerce businesses must be fully adept to accept both credit and debit card payments online.  In order to accept card payments online, businesses need to open a merchant account. If you happen to be a high-risk merchant, let’s just say that this endeavor can get a bit tricky.  Understanding High-Risk Merchant...

Oct 26, 2021

What Are High Risk Transactions

When a business has been determined to be high risk, it means that credit card processors have deemed this business prone to a higher than normal rate of chargebacks and an elevated risk for financial failure.  Payment processing is also at a higher risk, especially in the e-Commerce space. Merchants have assumed this risk, however, payment processors and acquirers stand...

Oct 26, 2021

Understanding High-Risk Merchant Accounts: Here Are 4 Ways

Launching a new business is a great undertaking with plenty of challenges on the journey to success. If you are looking to set up an online business, there are more complexities that you must be aware of.  Since the only way to get paid online is via a credit or debit card, then you will need a merchant account to...

Oct 21, 2021

High Risk Merchant Accounts: What They Mean For Your Business

High-risk merchants are not typically sought out as the ideal customer by traditional merchant account providers. This is due to the elevated risk of chargebacks and fraud. But this does not mean that the merchant is left without a solution. What Is A Merchant Account? A merchant account is a form of business bank account that enables a business to...

Oct 21, 2021

What You Need to Know About High-Risk Merchant Accounts

If you are considering starting an online business, you know that your enterprise must move beyond the idea stage in order to be successful. Beyond having a well-thought-out business plan and business model, you will need a way to bring in a reliable source of income. Most successful online business owners know that they need a way to take payments...

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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.