Jun 28, 2020

What Acquirers Do When You Have A High Risk Business

High risk businesses usually come with a higher price. Is your business classified as high risk? As you may have already encountered, traditional merchant account providers generally do not offer merchant accounts to high risk businesses. The cost of obtaining a merchant account is generally based on multiple components. It depends on the type of business it is, the method...

Jun 24, 2020

Five Things About High Risk Merchants And Credit Card Processing

Safe and secure high risk credit card processing requires a high risk merchant account. When it comes to accepting credit and debit cards online, you will need a merchant account provider to act as a mediator to work with the merchant, the banks, as well as the credit card networks.  Most merchant account providers in the payments industry limit their...

Jun 23, 2020

The Benefits Of Opening A High Risk Merchant Account

A high-risk merchant account is an invaluable tool to bolster an online presence and win more customers. A high risk merchant account is a type of payment processing account that caters to businesses that are considered high risk by banks. What makes a business high risk is the tendency of experiencing chargebacks. As a result, these high risk businesses are...

Jun 15, 2020

High Risk Merchant Accounts: Get Informed.

Having a high risk merchant account simplifies and streamlines your high risk processing needs. If you are about to launch an eCommerce business, it is without question that, in order to remain profitable, you will need to be equipped to accept credit and debit cards as payment. However, before you are able to do that, your first mission, should you...

May 13, 2020

Applying for a High Risk Merchant Account? Read This

High risk merchant accounts are vital to accepting credit card payments for your business. If you are an eCommerce business owner, your only way of getting paid is to accept debit and credit card payments. As you grow, your best move would be to acquire a comprehensive or “full service” merchant account. However, before you dive into a grand virtual...

May 04, 2020

High Risk Merchant Account Instant Approval? The Truth

Owners of risky businesses are well aware of all the hardships associated with obtaining a merchant account. Are you one of these sellers searching for a reliable and secure high risk merchant account and need instant approval? Well, don’t look any further. There’re merchant processing experts who can make things easier for you. Let’s see. High Risk Payment Processing What’s...

Apr 22, 2020

The Advantages To High Risk Merchant Accounts

As a high risk merchant, you are faced with many challenges, especially if you plan to up your online strategy by accepting credit and debit card payments. In order to accept credit card payments, you would need to secure a high risk merchant account. Since you are considered high risk, payment processors automatically flag you as a risk for potential...

Mar 13, 2020

Fake Products Endanger High Risk Merchant Account Providers

According to Finextra.com, $200 million in fraudulent transactions has been stolen from banks in the years between 2003-2013. Merchants, who opened a merchant account with the expressed intention to sell legitimate goods, once approved, rack up fraudulent transactions, only to abandon the merchant account. This deceitful tactic allows merchants to process as many transactions as possible, before raising any kind...

Feb 19, 2020

The Process of High-Risk Credit Cards

High-Risk Credit Card Processing EMB provides the best payment gateway solutions that will help you manage your business transactions as smoothly and conveniently as possible. Often times merchants will require payment gateways to begin accepting payments from customers. Customers that have credit or debit cards are able to make payments with their cards on the merchant website. A PSP is...

Feb 03, 2020

Identifying A High-Risk Business?

The barriers to opening an online business are high and are fraught with challenges. Add to that being labeled as a “high risk business”, and well, your problems have just compounded. These difficulties come in the form of finding a reputable payment processor willing to grant high risk businesses the means to accept credit card payments online. What is a...

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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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