May 09, 2019

Fiserv-First Data Milestone Deal is What’s Needed in Changing Market

The multibillion-dollar merger/acquisition between Fiserv Inc. and First Data Corp. may have caught many by surprise, but it makes perfect sense. As the financial-institution market in the United States continues to shrink, it forces the consolidation of core-banking solutions and the processors that service those banks. Therefore, Fiserv’s move is smart and creates compelling strategic and financial benefits for the...

Apr 25, 2019

Merchants Are Wising Up to Smart Payment Solutions

When it comes to paying for goods and services, customers expect safety, security, and convenience no matter what type of device these use. Some merchants have heard consumers’ calls and demands, and have taken action. For example, the Mercedes-Benz Stadium, home of the NFL’s Atlanta Falcons and MLS’ Atlanta United, no longer accepts cash for purchases. Instead, they only accept...

Feb 26, 2019

How PSD2 Fraud Rules Will Impact Consumers

Every consumer wants an easy, smooth, safe payment experience, and that’s exactly what Payment Services Directive (PSD2) fraud rules aim to do. This is also why payment service providers are encouraged to talk to their customers about it. By September 2019, any business with substantial European volume will need to implement strong authentication requirements as another way to ensure consumers’...

Feb 25, 2019

Real Time Payments Expected to Bring Economic Inclusion to Peru

Thanks to a partnership with the London-based Vocalink, a real time payment system is coming to Peru. In December, Vocalink, a MasterCard unit, partnered with Cámara de Compensación Electrónica (CCE), the automated clearing house in Peru, in another move to revamp the payments operations in Peru. The system is not only expected to be on par with those in the...

Feb 25, 2019

Where to Get the Best Merchant Account for IPTV

Are you running an IPTV business? Is it hard for you, as an IPTV broadcaster, to find a reliable merchant services provider that’s ready to provide you with the best merchant account for IPTV? After all, it’s so much important for accepting credit and debit card payments from customers, isn’t it? Well, there’s no problem at all. Just keep on...

Feb 14, 2019

How to Get the Best ASMR Merchant Account

Are you making ASMR videos? Maybe you’re searching for a reliable payment processing option for online transactions except for PayPal, aren’t you? No worries! Just read this blog post and you’ll know about the right ASMR merchant account, and more. ASMR Creators Worried The autonomous sensory meridian response or ASMR videos are movies with sounds meant to make the audience...

Jan 21, 2019

New York Can Still Levy Credit Card Surcharges

In New York, merchants can continue to make customers pay surcharges if they pay with credit cards, following the state and the plaintiffs’ moves this month to dismiss challenges to the practice in federal appellate court. Merchants will be permitted to charge customers surcharges or extra fees as long as they post credit card purchases in dollars and cents. Many...

Jan 21, 2019

Top High Risk Payment Trends to Watch in 2019

Customer whims and demands, shifts in the economy, consumer buying habits, and technological advancements lead to changes in the payment industry. From expected growth in cross-border shopping to advancements in artificial intelligence, 2019 proves no different for high risk businesses. As we settle into the new year, let us talk about the top 8 high risk industry trends for 2019....

Jan 08, 2019

Authorize.Net Merchant Account & Setup for Online Payments

Global payments revenues jumped to $1.9 trillion in 2017, accounting for 11% growth in the same year. In this digital age, opening a reliable merchant account is of vital importance to your company’s success. This article will help you know how to set up Authorize.Net so to start accepting payments online. Authorize.Net for Your Online Payments Payment processing makes up...

Jan 08, 2019

Where To Find the Best High Risk Merchant Accounts

As a high risk merchant, it’ll be pretty challenging for you to find a reputable merchant account provider to start accepting online payments. This article is here to help you get a better understanding of high risk payment processing and know where you can get the best high risk merchant accounts to grow your business. High Risk Business & High...

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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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