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...

Oct 29, 2019

The Benefits of Cryptocurrency for High-Risk Businesses

If your business is in a high-risk industry, you are familiar with the complications and frustrations of obtaining a merchant account. If you have been able to get one, then your concerns shift to fulfilling contractual obligations and costs that are passed on to you by the provider to mitigate cost. But wouldn’t it be amazing if there was a...

Oct 18, 2019

Why Processors Close Some High Risk Merchant Accounts

Launching and maintaining a profitable business is riddled with challenges and unpredictability.  If you happen to be a high-risk merchant, the complexities are only multiplied. Banks are reluctant to provide high-risk merchants with a merchant account for various reasons.  High-risk industries are rampant with fraud, chargebacks, poor reputation, and more. Banks are simply unwilling to take these types of risks....

Oct 11, 2019

This Might Be the Reason Your Business Was Flagged as High-Risk

You have the business, the right products and/or services, the website filled with information, and some good employees. Now you want to expand your payment options to include credit and debit card processing. That should be no problem for a legitimate business like yours, right? Actually, many businesses are surprised to find that qualifying for an online payment gateway is...

Oct 10, 2019

4 Reasons Why Payment Processors Avoid High Risk Industries

The high-risk industry includes but is not limited to businesses such as adult entertainment, gambling sites, travel agencies, the sell of tobacco or vaping products, medical marijuana services, or simply e-commerce websites that process card-not-present transactions.  Like any financially savvy investor might, traditional banks and independent sales organizations (ISOs) prefer low-risk investments to increase the likelihood that they’ll turn 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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