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...

Dec 27, 2018

Merchant Account Fees: Best for Your High Risk Business

Knowing what merchant account fees you’re going to pay to your processor will help you avoid unexpected costs. This is especially true of those who’re high risk. So, if you want to avoid unfavorable surprises and enjoy the most reasonable deal, just keep on reading the post. Merchant Account Fee: What to expect You can’t connect to credit card networks...

Jul 31, 2018

Guide to High Risk Credit Card Processing

Do you want to know how to accept credit card payments in a safe and efficient manner? How can you get approved for traditional or high risk credit card processing without challenges? To get answers to these questions and know more about credit card payments, just read below. Accepting Credit Card Payments Increasingly, more and more merchants are staying away...

Jul 23, 2018

Why Processors Suspend Legitimate High Risk Merchant Accounts

Are you worried about your payment processor while running your business online? Do you wonder when your processors can suspend or terminate high risk merchant accounts even if they’re legitimate? This article will tell you about the reasons and help you solve your issues. Why Is Your Merchant Account Suspended or Closed? When working with payment processors, it’s of huge...

Jul 09, 2018

What Is a High-Risk Business?

A financial institution labels a business “high risk” for a number of reasons, including its industry, potential legalities, and its risk for chargebacks and financial problems. This is problematic because it impacts a business’ ability to borrow money  and obtain merchant accounts, which are required if a business wants to accept and process credit card payments. There are some businesses...

May 23, 2018

High-Risk Merchant Account Holders Need Top Customer Service

Top-notch customer service is a cornerstone to any successful business. Without strong customer service, you will lose existing customers, fail to attract new customers, and deal with other negative blows to your business. Like online merchants need to be able to handle customers’ problems with orders, refunds, or service issues, those who process credit card payments for your high-risk merchant...

May 21, 2018

Trends in Customer Service

Today, there’s a range of options available to most customers via the Internet. If you have poor customer service, this won’t let you succeed. What’s important for customer success? How can you get approved for high risk credit card processing without challenges? This article will tell you about this. High Risk Credit Card Processing and Customer Service Customers of our...

Mar 30, 2018

The Benefits of a High-Risk Merchant Account

If you’re an online business seeking to boost your online presence and gain more customers, you may have considered signing up for a high-risk merchant account. And that’s with good reason: there are lots of great benefits to this type of account. Let’s look at those benefits a little more closely. Most often, businesses who choose to open this type...

Feb 22, 2018

High Risk Payment Processing: Your Options

Is your business considered high risk? Have you already been turned down by many credit card processors? What’s the way out? How can you get approved for payment processing? Read this article and you’ll get answers to all your questions. When Your Business is Labeled as High Risk Many small businesses and startups have innovative ideas and want to put...

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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 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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