May 13, 2022

Acquiring An Online Dating Merchant Account

With the highest percentage of its population using online dating services, the United States leads the world at 15.7 percent (or close to 53 million people), according to By the end of 2022, there will be approximately 413 million users of online dating services worldwide. It is also expected to create $3.7 billion in revenue worldwide via paid subscriptions. ...

May 13, 2022

How To Apply For A Travel Merchant Account

According to research by, revenue for the travel and tourism market is expected to hit $637.70 billion in 2022. And it is projected to hit $949.60 billion by the year 2026.  Within the travel and tourism market, it is also expected that 74% of the total revenue will be produced by online sales by the year 2026. The travel...

May 13, 2022

Tech Support Merchant Accounts: Everything You Need to Know

As companies have become increasingly dependent on technology and all things digital, it is more important than ever to have a tech support team to combat any glitches that can slow down or halt operations entirely.  Tech support companies have been meeting these needs for both companies and individuals.  However, in 2012, the Federal Trade Commission initiated a massive crackdown...

May 13, 2022

Adult Merchant Account & Payment Processor For Your Adult Business

Since the outbreak of COVID-19, many people found themselves stuck at home, with little to no personal contact with others. With their only companions being the Internet and their smartphone, customers have helped the adult industry explode as it joined forces with modern-day technology to fulfill customers’ needs. Today, the adult industry continues to be highly profitable, with some researchers...

May 04, 2022

How To Apply For A Credit Repair Merchant Account

Credit scores reveal a lot about the financial health of an individual. A good credit score allows access to many financial products such as bank loans and credit cards where the terms are more favorable than if the consumer had a poor credit score.  A poor credit score can bring a host of problems. It could make it difficult to...

Apr 29, 2022

Adult Merchant Processing: Why You Need It

The Internet has made access to adult entertainment easier than ever. According to the findings made by Transparency Market Research, the global market value is expected to reach $300 billion by the year 2030. With new technologies being introduced into the adult market, such as virtual reality, there is a great potential for these types of innovations to become the...

Apr 25, 2022

PayPal vs. Merchant Account: Which Is Right For Your Business?

With the growing popularity of e-Commerce, any merchant looking into launching an online venture must carefully consider how they will be processing customer payments. When researching the best payment service provider, one must look at a variety of specificities such as the availability of funds, access to offshore accounts, and even hidden fees.  The most popular methods that new merchants...

Apr 22, 2022

Opening A Merchant Account When You Are A High-Risk Business

High-risk businesses have more complex issues to contend with than low-risk businesses. For one thing, high-risk businesses will have great difficulty opening up a traditional merchant account. Most banks and processors will not work with high-risk businesses since they are known for experiencing the highest potential for fraud and chargebacks.  What Characteristics Make A Business High-Risk? Depending on the bank,...

Apr 21, 2022

How To Acquire A Bad Credit Merchant Account

Business owners have a lot of moving parts to consider when running their operations. Then there’s the need to accept credit and debit card payments if they run their business entirely online. In order to do that, the business must apply for and be accepted for a merchant account. But what if your personal credit score has suffered a hit,...

Apr 18, 2022

Adult Merchant Accounts: What You Need to Know

The adult entertainment industry has been growing considerably. Based on the findings of, in 2022, the market size of the Adult and Pornographic website industry was worth $856.2 million. It is also expected to grow by 6.5% in the same year.  The biggest opportunity for this industry is “mobile consumption.” As internet penetration continues to soar worldwide, more consumers...

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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.