Jun 25, 2020

Is My Business High Risk? How to Still Secure Credit Card Processing

Running a small business is difficult enough without being told your business is considered “high risk”. This categorization makes it incredibly challenging to operate smoothly, secure business funding and partner with a reputable, fair payment processor. Even if you are able to find a processor willing to work with you, you will be charged higher rates and receive other undesirable...

May 12, 2020

Need A High Risk Payment Solution? EMB Is The Answer.

High-Risk merchants need a reliable and reputable high risk credit card processing provider. As a new merchant, you have just discovered that your particular industry has been deemed high risk by traditional credit card processors. As a result, you are struggling to secure a traditional credit processor because they refuse to take on any client that falls into the “high-risk...

May 05, 2020

How To Secure A Gold And Precious Metals Merchant Account

A gold and precious metals merchant account is necessary for your payment processing needs. When it comes to precious metals, they are considered highly valuable because they are rare to find. Each year, only a minimum amount is produced and therefore their scarcity is the reason for such a high value. One of the most popular metals in the world...

Apr 07, 2020

Understanding a Merchant Account Personal Guarantee

Do you feel confused about signing a personal guarantee with a merchant services provider? What about high risk merchant accounts? Where can you get reliable merchant processing services or business funding for your risky business to overcome financial challenges? No worries. This article will explain what a personal guarantee is and help you come up with the right merchant services...

Dec 12, 2019

5 Benefits of Multi-Factor Authentication

Security concerns are ever-increasing. Data breaches seem to pop up in the news every other day and it’s costing businesses millions of dollars every year. It’s not just the big businesses either. Approximately one-third of cyber attacks are directed at companies with fewer than 250 employees. This is a troubling trend that isn’t going away any time soon. Even if...

Dec 12, 2019

Faster Payment Adoption Isn’t Moving Fast Enough

In a world driven by progress, sometimes it’s easy to expect changes that are further away than they may at first seem. Such is the case when it comes to the realm of faster payments. Faster payments refer to a system of transfers that are instantaneous or almost instantaneous. The way systems work now, both individuals and companies alike can...

Nov 26, 2019

Understanding High Risk Credit Card Processing

All eCommerce merchants must set up a payment method for their customers. This payment solution allows a buyer to pay for an item or a subscription service. Credit card is a common payment method among online customers and businesses as well. And failure to add a credit card processing solution means denying your customers a favorite means of payment. For...

Nov 21, 2019

Instant High Risk Merchant Account Solutions

High-risk businesses looking for a place in the online marketplace must worry about the future of their payment processing. A high-risk merchant account is a must-have if you are going to process transactions online. But getting your hands on the right account for your needs can be a hassle because of the bad attitude towards risky industries. Yet the ability...

Nov 20, 2019

Protecting Your eCommerce High-risk from Reverse Charges

Taking credit card payments is the order of things when it comes to online customer-retailer relations. And to be able to accept cards, debit or credit, you must have access to a merchant account. Normal businesses will find many willing merchant account providers but those classified as high-risk for one reason or another must hassle hard or look in the...

Nov 14, 2019

High-Risk Merchant Account Solutions with Offshore Merchants

An offshore merchant account is one which is used for e-merchants who are processing payments through their website in countries that they don’t live in.  There are many reasons why a merchant would want to have an offshore account, including less stringent approval standards abroad. Being an offshore merchant can also be a great option to extend the services of...

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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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