Dec 27, 2016

Best Merchant Services for Small Business Owners

You may find it complicated to choose the best merchant services provider when searching for the right option for your small business. Most companies offer a whole collection of credit card processing tools like virtual terminals, credit card machines, credit card readers, and more. Usually, business owners focus on the simplicity of integration and speed when choosing a merchant services...

Dec 15, 2016

Get a Merchant Account Even with Bad Credit

Do you have bad credit? Don’t let bad credit wreck your dreams of having a successful business. Companies with bad credit often get denied for loans from banks and traditional lenders. EMB is a proven online lender and payment processor that deals with high risk companies and bad credit merchants. Still there are ways for merchants with bad credit to...

Dec 15, 2016

Smart High Risk Merchant Processing Decisions You Need During The Holiday Season

NBC News reports that consumers are expected to spend over $800 billion during the holiday season in 2016. The shopping season traditionally starts from Thanksgiving. On the one hand, consumers spend more during this period, on the other hand, there is an increase in payment processing fraud. Also, credit card processing fees usually go higher during this busy shopping season....

Dec 13, 2016

Merchant Account VS. PayPal, Are You Choosing the Right Account Type?

The more payment options your business has, the better. Your customers need to be able to pay for your goods or services using their credit cards. In order for you to accept them, however, your business will need to obtain a merchant account. Online businesses also require a payment gateway to complete a transaction (a technical component that forwards credit...

Jun 23, 2016

Merchant Accounts for Personal Trainers

In the extremely competitive fitness industry, it can be difficult for personal trainers to distinguish themselves from competitors. One great way for a personal trainer to make themselves stand out is to provide a quick and easy way clients to pay however they like. But how does a personal trainer accomplish this? Start by choosing a merchant account provider that...

Jun 22, 2016

Merchant Account for Upholsterers

It goes without saying that upholstery requires a delicate touch. Much time goes into deciding how much material is needed and how to arrange it in the most functional and appealing way. This attention to detail is also incredibly beneficial for the business owner to implement when searching for the best way to accept credit cards for their upholstery business....

Jun 21, 2016

4 of The Best Buy Button Options for E-Commerce Merchants

For the e-commerce merchant, making the process of purchasing their product as simple as possible for customers is crucial. The fear is that, if the process proves to be too difficult or too long, the frustrated customer will give up on the checkout process. The way e-commerce merchants can improve this process is by implementing Buy Buttons. Buy Buttons make...

Jun 21, 2016

4 Mistakes Business Owners Should Avoid with Credit Card Processors

After researching credit card processors, speaking to different sales people and going over quotes, you will have to submit an application; you must first receive approval from your chosen credit card processor before you can start processing. Before you put pen to paper, consider the following four common mistakes business owners should avoid when shopping for a credit card processor....

Jun 05, 2016

How Your Business Can Become A Platform?

Future success of a businesses is increasingly be associated with platforms. Platform thinking and new technologies can help any business develop to join the platform economy. Modern Business Requirements It’s not surprising that Apple, social networks like Facebook and Twitter, sharing economy apps like Uber and Airbnb, and Salesforce as software as a service for the enterprise are currently the...

May 23, 2016

Online Firearm Merchants Use Credit Card Financing to Stay in Business

The online firearms industry is booming. In the last few years, gun sales have ballooned with the ability to sell and buy guns on the internet. Websites like Armslist host ads to buy and sell the gun of their choice without undergoing any type of background checks. The opportunities to build a successful online firearms business are endless. Unfortunately, firearms...

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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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