Feb 17, 2017

Why Accepting Credit Cards is Essential to Your High Risk Business

A merchant not accepting credit cards in today’s age and time loses a lot regarding sales and profits. Many customers see credit cards as a safer, less cumbersome way of carrying large amounts of cash and making purchases. If your business doesn’t give them the option, they’d rather move to your competitor than adhere to the alternative payment choices you...

Feb 16, 2017

Asia’s Trillion Dollar Electronic Payments Problem

Taken globally, the electronic payments industry is almost as fragmented as the mobile messaging industry for platforms like WeChat (China), Line (Japan), Viber (Philippines), and others. In North America, PayPal and its subsidiaries Venmo and Braintree play a dominant role in the electronic payments market. In Africa, Kenya’s M-PESA is the top player. It serves as a means of economic...

Feb 15, 2017

Common Mistakes Business Owners Make With Their Credit Card Processor

Payment Processing Companies: The Common Mistakes Merchants Make E-commerce has come a long way. Gone are the days when getting a merchant account for an online business was as challenging as a Greek puzzle. Nowadays, payment solutions are available to even the newest and simplest traders. As expected, merchants are opening processing accounts every day; and consequently, many are signing...

Feb 09, 2017

What You Need to Know About Merchant Account Fees

Many payment services providers have done an excellent job in ensuring their application processes are as easy and as straightforward as possible, but there is still a lot to be done regarding merchant account rates. Consequently, these companies have earned a reputation of having extensive, complicated and overwhelming fees. Unfortunately, a good number of merchants end up signing up for...

Feb 08, 2017

Opening a Merchant Account: A few Things to Consider

A merchant account is one of the essentials to the success of your business. Cash sales, snail mail, and paper invoices are no longer an effective way to collect payment. If you want your enterprise to grow, you should be able to accept credit cards. And for that, a merchant account is what you need. Thanks to straightforward companies like...

Jan 05, 2017

Merchant Services Industry, Key Players and Its Trends

With the payment ecosystem going on enlarging and becoming more complex, the merchant processing industry is growing as a part of it. Merchant services have to do with financial services for businesses. Usually, they refer to processing services that enable merchants to accept payment transactions via credit/debit cards, and also mobile payments. Merchant services also refer to payment gateways, loyalty...

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...

Award winning.

  • 2012
  • 2013
  • 2014
  • 2015
  • 2016

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.

Live Chat