Oct 01, 2019

High Risk and Low Risk Account Merchant: Know The Difference

If you have been a business owner for any length of time, you have discovered very quickly the importance of taking either debit or credit cards as a form of payment.  Although more Americans are carrying less paper dollars on their person, they are still making their everyday purchases in the form of plastic. Since more people are leaving their...

Oct 01, 2019

Increase Your Sales By Accepting These Payment Options

Are Americans becoming more “cash-averse”? According to Bankrate.com, 1 in 10 Americans do not carry cash on a daily basis. A survey conducted by Princeton Survey Research Associates discovered more telling data that said 78 percent of Americans carried less than $50 in paper money and 49% carried less than $20 daily. Those that choose not to carry any money...

Jul 17, 2019

Aggregate vs Direct Merchant Accounts Finally Explained

A merchant’s ability to accept credit card transactions is not created equally. Therefore, there is no one-size-fits-all account for every business. This is why is imperative that businesses understand aggregate vs direct merchant accounts. What is an aggregate merchant account? The best way to describe an aggregate merchant account is to consider it a shared account in which acquirers place...

Jul 16, 2019

How Does Merchant Account Load Balancing Work

Merchant account load balancing gives merchants the ability to divide transactions across multiple accounts. It is an account management tool that helps merchants minimize risk and increase processing volumes. Preparing for Challenges Frozen or terminated merchant accounts can dramatically impact your bottom line. Load balancing helps. By juggling transactions across a few merchant accounts, you can still can continue to...

May 30, 2019

Everything There Is to Know About Merchant Account Reserves

Merchants can feel overwhelmed when they sign on for credit card processing. Getting a merchant account to have the ability to accept and process credit and debit cards requires many elements, a number of which are unknowns until businesses are in the thick of the process. One of those elements that many businesses are unaware of are merchant account reserves,...

May 23, 2019

Merchant Service Providers Must Embrace Instant Funding to Stay Competitive

When it comes to getting their money, businesses and consumers want it fast and convenient. No one has time to wait, and if they can’t get it when they want, they will go elsewhere. There is no loyalty in payments, and a new report proves it. In the U.S. economy, business-to-consumer disbursements have traditionally been made via mailed checks or...

May 10, 2019

Costly Cash Rewards Leave Credit Card Brands Rethinking Incentives

Recently, Discover Financial Services learned the price of some cash rewards for using its credit cards. The credit card company reported in April that its first quarter discount and interchange revenue was $677 million, which was a 5% increase from the same quarter last year. Meanwhile, the company spent more than half of that amount – $446 million – to...

May 07, 2019

Fintech Investments and Acquisitions Will Continue as Mastercard’s Strategy

During the last few years, Mastercard has relied on acquisitions and fintech investments to bolster its skills and competencies. And, according to its company president, it has no plans to slowing down this strategy. Its tactic of acquiring fintechs in all spheres of payment has helped it gain new deals and increase its revenues. In April, Mastercard announced that it...

Apr 26, 2019

Cuenta Mercantil de Ventas sin una Cuenta de Cheques

Si usted necesita una cuenta mercantil, pero no tiene una cuenta de cheques, podemos ayudarle! eMerchantBroker.com ha ayudado a cientos de propietarios de negocios que necesitan una cuenta mercantil, pero no tienen una cuenta de cheques. Mientras que su negocio sea un lugar de ventas, o si usted tiene la oportunidad de “pasar” la tarjeta de los clientes, entonces usted...

Apr 17, 2019

Banks and Fintech’s Must Work Together to Get a Real-Time Payments System in the U.S.

A collaboration between financial technology companies and banks will drive the adoption of a real-time payments system in the United States. What Are Real-Time Payments? Debit and credit card transactions are not real-time payments. A true real-time payment is one in that moves funds almost instantaneously from one bank account to another. This service needs to be available all day,...

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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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