Dec 22, 2016

Navigating A Rapidly Growing Payment Ecosystem

The way people are making payments is changing drastically. Smartphones are being used for any formal and informal transactions. To make transactions easier to process, thousands of companies are working and competing each and every day. Payments Ecosystem Payment processing means transferring information from one party to another, and digital processing is beneficial for almost all stakeholders in the industry....

Dec 21, 2016

Bots Will Account For $2 Trillion In Mobile Online Payments By 2021

According to a report by UK-based Juniper Research, bots and natural language interfaces making remote mobile payments will count for more than $2 trillion across the globe in the upcoming 5 years. In the next 5 years, merchants using keyword research and menu-driven systems to direct consumers to products will face competitive disadvantages. The study carried out by Juniper is...

Sep 12, 2016

Big Banks Strike Back Against Mobile Payments

Mobile payments are seemingly taking over the processing world, and banks are fighting back. Apparently not happy with these developments, banks are cutting ties with merchants who wish to accept these transactions. While it may seem okay that banks do this, stating that their safety is at risk due to the unknowns with these mobile payments, merchants are seeing red....

Jul 29, 2016

Mobile Payments In The Card-Not-Present World

Given mobile payments, the public attention has mainly been focused on POS solutions such as Apple Pay and Samsung Pay. However, Jane Cloninger, director and owner at Edgar, Dunn & Company, notes that most mobile advancements have been in the sphere of apps and mobile Web. During the 2016 CNP Expo, Leon Majors, founder and president of Phoenix Marketing International,...

Jul 27, 2016

Microsoft Launches Mobile Wallet As A Cloud-Based Payment Technology

US technology giant Microsoft has introduced its mobile wallet feature in its mobile app. Currently, the feature is available for Windows Insiders using build 14360 or higher. The company calls it a “cloud-based payment technology.” Microsoft’s Mobile Wallet Microsoft has recently announced its wallet for mobile payments, which is a competitor to Apple Pay, Samsung Pay, and Android Pay. Mobile...

Jul 21, 2016

The Evolution Of Microapp Payment Technology – The Future Of Mobile Payments

Passport CTO Brad Powers notes that consumers can now use their mobile devices and pay from an app to park. Companies like Passport develop custom mobile platforms for cities and other municipalities to enable drivers to pay parking fees right from their smartphones. When Mobility Helps Drivers Park Making payments through apps like Passport helps customers avoid making changes or...

Jul 20, 2016

Mobile Payment Processing – New Walmart Pay Stats

Walmart Pay was first launched in December 2015. It is now officially available in all 4.600+ Walmart stores across the US. Walmart Pay is developed to provide a more inclusive in-store shopping and payments experience to its customers. Walmart Pay The QR code used in the checkout process is not used for payment processing. In fact, it provides consumer authentication...

Jan 25, 2016

Mobile Payments are Cool – and Attainable

Mobile payment option are growing every year, and everyone from teenagers to the elderly are embracing their convenience and coolness. Scanning your phone is easier than digging through your purse to find your debit card, and it accomplishes the same task. What’s not to love? Well, many processors and banks turn up their noses to this new technology, calling it...

Nov 30, 2015


“I consider a merchant someone who has a certain intuition and instinct, and, very important, knows how to run a business, knows the numbers.” – Millard Drexler Android Pay, Google’s answer to Apple Pay, was unveiled during the 2015 Google I/O conference for developers, a 2-day experience focused on revealing next-generation technology, mobile and other important advances in the industry. Google...

Nov 23, 2015

EMV Cards Help Mobile Payment Merchants

Mobile payment supporters have long wanted an easier path to payment acceptance. Thanks to the switch to EMV cards, they may have gotten their wish. However, while mobile payments are making a big impact, they are making some look at the downside. That downside being the increased chance of fraud via mobile payments and CNP (card not present) payments. CNP...

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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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