May 23, 2016

Online Firearm Merchants Use Credit Card Financing to Stay in Business

The online firearms industry is booming. In the last few years, gun sales have ballooned with the ability to sell and buy guns on the internet. Websites like Armslist host ads to buy and sell the gun of their choice without undergoing any type of background checks. The opportunities to build a successful online firearms business are endless. Unfortunately, firearms...

May 23, 2016

Merchant Account for Caterers

Are you in the catering business? Then you’ve noticed that most customers generally prefer to pay for catering services with credit and debit cards instead of cash. Credit cards give your customers the flexibility to pay for more elaborate and catered events, while accruing a large amount of reward points for transactions. If your catering business cannot process credit and...

May 19, 2016

How Mobile Integration Will Keep Your Business Alive

The world of retail has changed. Fewer consumers are going to the store to shop; instead they are opting to shop online from the comfort of home. And if they do shop at a store, consumers have more than likely used the internet and cloud-based apps to research purchases before stepping foot inside a retail space. Today’s customer is looking...

May 19, 2016

Personalized Point Of Purchase Displays Mark The Future For Retail

SCOTTeVEST (SeV) Inc., a pioneering clothing company represented a major breakthrough in the industry by introducing brand new pockets over 15 years ago. The company has recently made a new announcement: it is going to make a revolution through its new Point of Purchase or PoP display. Personalized, Point of Purchase Displays   POP displays operate based on personalized videos and...

May 19, 2016

The Best Adult Dating Merchant Account

The adult dating industry is considered quite lucrative for online merchants. On the other hand, the adult sector is categorized as high risk because of high chargeback and dispute rates. In order to provide sound results for your adult business ventures, you should find a reliable and experienced payment processor to apply for a high-risk merchant account. Why EMB? Reputable...

May 19, 2016

Merchant Accounts For Painters

Both the owners of painting businesses and independent painters may work with clients who would prefer paying them via credit cards. It is highly important to look for a reputable processor in the field when choosing payment processing solutions for painting services. Find the Best Payment Processing Solutions in the Field True professionals in the field will offer you advanced...

May 19, 2016

Merchant Accounts For Contractors

Independent contractors often have difficulty finding a trustworthy payment processor. With an inconsistent stream of income, contractors may face increased risk of fund withholding. Without paying enough attention to the terms and fees related to your credit card processing, you will end up with overpaying for merchant services. Choosing the Best for Your Business Merchant accounts are a must if...

Apr 28, 2016

The U.S. Was The Last Market To Adopt EMV Chip Cards for High Risk Processing. Why?

EMV cards (Europay, MasterCard, and Visa) offer a new type of credit card processing in the U.S. These are chip cards that feature a small microchip and offer improved security against counterfeiting. EMV Chip Cards Vs Mag-Stripe Cards Chip cards are designed to process differently. Unlike magnetic-stripe cards that should be swiped, chip cards need to be dipped and require...

Apr 27, 2016

Operation Choke Point Vs. Payday Lenders

The Federal Deposit Insurance Corporation (FDIC) has noted that payday lenders, gun stores, and more than 24 other industries are “not wanted.” Operation Choke Point Operation Choke Point, a Department of Justice (DOJ) program or initiative, started in 2013. The goal of this initiative is to remove fraudulent businesses from the industry by stopping their access to the banking system....

Apr 26, 2016

Payment Companies Choose Streamlined Checkouts To Reach Higher Conversion Rates

Checkout abandonment, especially with regard to smartphones, is still high. As a result, transaction volumes become suppressed, and new payment options are encouraged to allow for faster and smoother transactions for consumers ready to make purchases. Improving Mobile and eCommerce Conversion Rates Payment processors that need to better mobile and eCommerce conversion rates can choose to have an effective update...

Award winning.

  • 2012
  • 2013
  • 2014
  • 2015
  • 2016

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.

Live Chat