Oct 22, 2018

Visa Beats $2 Trillion as Payment Volume Increases

With a generally stable economy in most corners of the world, Visa Inc. managed to gather $2.1 trillion in their gross credit and debit payment transactions in Q1 which ended on June 30. This figure was an 11.1 percent rise from 2017’s $1.87 trillion on a constant-currency basis. The U.S., so far Visa’s largest of all six regions recorded a...

Nov 09, 2017

How Do I Get A Higher Credit Card Processing Volume Limit?

Businesses that produce high volumes of electronic transactions per month may find it difficult to get a perfect merchant account that meets all their business’ needs. This is because successful approval of all merchant account applications depends on predetermined processing limits which establish the monthly processing volume cap. Processing limits are often defined by; Your processing volume per month High...

Aug 14, 2017

Choosing the Best High Risk Merchant Account Provider

In the modern world of business, it’s become so much important to be able to accept credit cards. According to a 2016 survey by one of the payment processors, which included 1.000 consumers, 40% percent chose credit cards as a safe payment method, while 35% selected debit cards. Only 11% percent preferred cash. Consumers’ preference for credit cards grew by...

Jun 30, 2017

How to Reduce Reserve Rates for High Risk Merchant Accounts

Is your business tabbed as high risk? Do you need to open a merchant account to grow your business, but you aren’t sure you can afford the high reserve rates? If you’re trying to find a way that will help reduce the rate you will have to pay, be aware there are ways to help lower reserve rates. Below you...

Jun 08, 2017

Choose The Best High Volume Merchant Account Provider

Any business would like to have high sales volume. However, when you’re talking about credit card processing, the situation can change. If it’s typical of your company to experience regular sales surges, high average ticket amounts, or greater than $100.000 in monthly sales, you may face a number of difficulties. Your funds may be held, your account may be frozen,...

May 05, 2017

How You Could Benefit From Accepting Credit Cards Online

Last year, the research showed there was a rapid decline in cash payments. 55% of the nation’s 27 million small businesses didn’t accept credit cards, and because of this they potentially missed out on $100 billion in annual sales. Even though cash continues to be the most commonly accepted payment type for small business owners, accepting credit cards counts for...

Apr 28, 2017

Merchant Account Application Declined? | 4 Reasons Why

If you’re a high risk business, you may find it difficult to get approved for a merchant account for this or that reason. However, knowing what your high risk processor will require from you, you can take the right steps so that not to get refused. Below you can read the main reasons why your application may be declined. Not...

Apr 28, 2017

Guide To High-Risk Merchant Accounts

In the modern world of business, you cannot do without a merchant account to successfully run and grow your business. Below you can read some important issues related to finding a processor and opening a merchant account for your business if you’re classified as high risk. If you’re looking for a payment processor to open a merchant account for your...

Feb 15, 2017

A Look into the World of High-Risk Merchant Accounts

High-risk traders face many challenges, but acquiring a payment processing solution is arguably their biggest. That said, the number of companies offering high-risk merchant accounts is increasing every day. So, as a high-risk merchant, you now have more options than ever before. But what are options without information? For you to get the best out of merchant accounts, you need...

Jun 30, 2015

Top Things to Look For When Finding a High Volume Credit Card Processor

Every small business interested in survival must seek the assistance of a credible credit card processor. The search for a good processor can be difficult if a business owner does not know what to look for or the rules involved. The following are a few helpful tips for those seeking credit card processing that won’t break the bank. Credit Card...

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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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