Sep 25, 2020

Why You Should Opt for a High Risk Merchant Account

Starting a business venture is as challenging as it is exciting. To keep up with the latest customer trends, your business needs exceptional payment processing services that offer multiple payment options. You also need capital to put your plans in motion and get started off on the right foot. But what do you do if you discover your business is...

Sep 04, 2020

High Risk Merchant Account Benefits

Are you a high-risk merchant facing challenges with opening a merchant account? No worries. Below, you can find all the necessary information about high risk merchant accounts and their benefits. So, let’s start. High Risk Merchant Accounts Businesses associated with higher rates of chargebacks and fraud are considered high risk. These are the basic reasons accompanied with other high risk...

Sep 01, 2020

AMEX Payment Processing For High-Risk Business Is Possible

Many merchants are unsure of whether American Express is the right card network to explore for catering U.S. and Canadian buyers. Some prefer other options because of pricing. Others don’t know if it’s a good option for a high-risk business. To find out more about AMEX for high risk payment processing and discover an exceptionally high risk processor, go through...

Aug 25, 2020

Top Merchant Industries that Can Benefit from High Risk Services

An excellent idea, good entrepreneurship skills and a strong financial backing just don’t complete the equation. One must be a big risk taker to want to venture into a high-risk business. To excel at high risk payment processing, you must identify and mitigate the risk factors plaguing your specific industry. Failure to do so can mean trouble, both legally and...

Jul 23, 2020

Credit Card Processing Tips for Jewelry Merchants

The jewelry and watch market is expected to grow to a $408 billion industry by the end of 2019. This outgrowth has been stimulated by the growing prevalence of online stores. It is estimated that online sales for the global jewelry industry will comprise 25% of total retail sales by 2020. With this growing trend, it is no wonder that...

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...

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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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