Sep 08, 2022

Picking the Right High-Risk Payment Partner for Your Small Business

As a small business owner, you have enough on your plate, but payment convenience remains a priority. And if you’re in a high-risk industry, you may have had trouble getting approved for a merchant account in the past.  High-risk businesses are typically defined as those with a higher than average chance of chargebacks or fraud. This can include businesses in...

Sep 06, 2022

High Risk Merchant Account? What Is This?

A high-risk merchant account speaks of a business that is riskier in the eyes of payment processors because of higher fraud or chargeback rates. Below, you can read details concerning high-risk merchant accounts and know where you can find a secure and affordable account for your risky business.  What Kind of Accounts Are the High-Risk Accounts? Payment processors classify merchant...

Aug 18, 2022

Getting a Credit Card Processor for a High Risk Business

To find the right high-risk credit card processor for your risky business, you need to be well equipped with knowledge. This article provides some essential points to help you come up with an exceptionally high-risk merchant account provider.  What to Look for in a High-Risk Merchant Account Provider A high-risk business is associated with a higher risk of fraud or...

Aug 12, 2022

The Definition Of A High Risk Business

High-risk businesses can really have a difficult time acquiring credit card processing solutions, business loans, and even business insurance. Payment processors prefer to work with low-risk merchants as they have a lower risk of being subjected to chargebacks and fraud. What Is A High-Risk Business? A high-risk business is a type of business that has been designated by both payment...

Jul 25, 2022

How High-Risk ACH Transactions Work

Credit cards have long been held as the preferred form of payment by consumers. Businesses prefer them as they do not have to worry about paperwork, bookkeeping, or tracking payments.  Although credit cards are the ideal form of payment that can streamline the payment process for both businesses and customers alike, not all businesses will be approved for a credit...

Jun 14, 2022

Need High-Risk Processing? Look No Further

If you are a high-risk business that sells vape products, CBD, cigar, or tobacco products, know that your options to acquire a merchant account to process your credit card payments will be limited Why? These industries fall under the “high-risk category”. The items you sell may be perfectly legal, however, there are reputational risks, financial risks, and higher incidences of...

Oct 07, 2013

What is high risk credit card processing?

When you are ready to process the credit cards for your business, you will be sent looking for a merchant account through a merchant account servicer. The search won’t be hard, for the market has grown large over the last ten years or so. As quick as a blink of an eye, you can have a whole page of servicers...

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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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