Nov 29, 2022

Merchant Account vs Payment Gateway | What’s the Difference

Payment Gateway vs. Merchant Account: Which Do You Really Need? When looking into credit card processing options for your customers, you’ll run across two terms repeatedly: merchant account and payment gateway. If you’re confused about the differences between the two, you’re not alone. The world of online payments is vast, with many details, terms and options to consider.  A perfect...

Oct 28, 2022

What is a Bad Credit Merchant Account

Many businesses have opened in recent years, bringing small, passionate businesses to the forefront of many communities. Suppose you are a seasoned entrepreneur, a long-running corporation, or your very own newly appointed boss. In any case, merchant accounts are integral to many companies. Today we will review the ins and outs of bad credit merchant accounts. Dive into the financial...

Oct 28, 2022

Online Gaming and Casino Merchant Account Details

Merchant Account for Online Gaming Online gaming merchant account demand has been on the rise over the recent few years. This can be attributed to the growth in the online gambling space. According to a recent study, the online gaming market is projected to grow by $142.38 billion between 2021 and 20226. This will reflect a 37% growth all factors...

Sep 20, 2022

The Power of ACH Payments for Adult Merchants & Why Credit Cards Don’t Suffice

As an adult merchant, you’re ever looking for ways to increase sales and grow your business. But did you know using credit cards for adult merchant payments can actually work against you? Here’s a look at the downsides of credit cards for adult merchant payments and how ACH payments can help you increase sales. Why Credit Cards Don’t Suffice 1....

Sep 20, 2022

Global Payments Inc. to Offer BNPL and Cryptocurrency Services

Global Payments Inc., a leading digital payment solutions provider, announced that it will offer buy now, pay later (BNPL) and cryptocurrency services to its clients. This move comes as the company looks to stay ahead of the curve in the ever-changing world of payments. The company has long been a payment industry leader, and this move is just the latest...

Sep 19, 2022

How to Accept Credit Card Payments for Small Businesses

How Small Businesses Can Accept Credit Card Payments Online  The ability to accept credit card payments is critical for modern businesses. Whether you sell and ship products or people can pre-order and pick them up in person, offering online payments can have a huge impact on your bottom line. It allows you to offer the convenience of online shopping without...

Sep 11, 2022

Securing a Merchant Account for Your CBD Business

CBD is a hot topic in the industry, with major brands such as Amazon, Walgreens, and Walmart jumping on board to offer CBD products. With the growing number of retailers and companies selling CBD products, more retailers are turning to secure merchant accounts. But securing an enterprise-class business account is not easy. It can be quite a challenge for many...

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...

Jul 29, 2022

How To Establish A Bitcoin Merchant Account

As the forerunner of the digital currency, Bitcoin continues to make waves in the financial space, driving more usage by not only customers but also major corporations. The Rise Of Bitcoin To say that the popularity of Bitcoin and its successive counterparts has exploded is truly an understatement. In February 2021, MSN.com reported that Bitcoin’s total market cap had surpassed...

Jul 26, 2022

How To Secure An Adult Merchant Account

According to research conducted by Statista, the global website traffic data indicates that the top 3 porn sites worldwide get as many as 5.81 billion website visits every month.  What that translates is that, just on those 3 websites, there are as many as 134,491 “new” visits to these websites every minute. Gone are the days when consumers would go...

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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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