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! 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,...

Jan 21, 2019

Merchant Account Services: Simple, Fast, Secure Approvals

Whether you’re a small or large business owner, you should seek for reliable and affordable merchant account services if you want to take your business off the ground or expand. This article is about how you can easily obtain an account for online payments and what processor to go for. Merchant Account Solutions for Your Business In the modern payments...

Dec 27, 2018

Tips for Getting Approved for a Merchant Account

Merchant accounts allow you to accept and process credit and debit card transactions. Though these accounts are something many merchants get approved for on a regular basis, some businesses, like those in speculative industries or those with no processing histories, can have difficulty getting one. Read on to find out how you can increase your chances of getting a merchant...

Sep 17, 2018

Are You Googling “Best Merchant Services for Small Business?”

In a world where eCommerce takes the lead, merchants can’t do without reliable merchant services that can help them grow their business. That’s the reason why the “best merchant services for small business” are among the most searchable terms these days. This article will help you find what you need. “Best Merchant Services for Small Business” Below you can find...

Jul 09, 2018

How Does Credit Card Transaction Processing Work?

Making a credit card purchase may seem like a quick transaction, but in all actuality, it is a complex process. Credit card transactions are processed and settled due to the coordination between of these entities: an issuer, an acquirer, a processor, a merchant, a cardholder, and the card schemes. To understand their parts in credit card processing, it’s best to...

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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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