Feb 05, 2015

New Survey Reveals Youth Movement: Mobile Wallets Are In

The tune of how consumers are paying is beginning to change, and it’s because of the youth. Younger consumers, 18-34, are far more likely to declare that leather wallets are a thing of the past according to a new service. This trend is, of course, great news for the online, high risk business world. With more and more consumers switching...

Dec 29, 2014

Canadians Not Sure if Mobile Payment is Secure

Mobile payment technology has accelerated in the Western hemisphere. The U.S. is making major headway with consumers, especially millennials, with the release of Apple Pay and other mobile payment processing systems. However, Canada is not adopting mobile technology as rapidly as the United States. GfK Canada, a Canadian research firm, says they believe adoption of mobile technologies will speed up...

Dec 22, 2014

Mobile POS Brings Security Concerns to Small Business

Small businesses have begun to quickly adopt mobile payment processing. According to ControlScan Inc.’s recent survey, out of 6,186 small businesses 21% had adopted mobile payments at the point of sale (POS). This is up 4% from 2013. Another 4% of the sampled businesses said they were in the process of converting to mobile POS. When asked why they preferred...

Dec 22, 2014

Mobile Payment Sees boost During the Holidays

Marred with security concerns and consumer suspicion of new technology, the use of mobile payment apps has not been as prominent amongst Americans as many in the mobile industry had hoped. However, this holiday season has seen a significant boost in the use of mobile payment applications. Recent industry figures paint a more optimistic and profitable picture for the future...

Nov 12, 2014

Mobile Payments and What it Means to Your High Risk Merchant Account

Every time you log into the Internet there seems to be another company trying to squeeze into the mobile payment market. ApplePay says they have created a way for consumers to pay with the iPhone6 that it virtually fraud proof. This is a great idea and it may work – if your customers are purchasing via an iPhone6, and your...

Oct 22, 2014

Tokenization Specifications Reveal the Plans for Mobile Payments | Adult Processing from EMB

The long awaited first version of the EMV Payment Tokenization Specification is now available from EMVCo. The report describes how MasterCard, Discover, JCB, Visa, American Express, and UnionPay transactions will safely occur via mobile phone. The framework attempts to lay rest to some of the security and technological concerns that many have about consumer information transferring between their mobile devices and...

Jul 22, 2014

Paying With a Smart Phone

If you are looking into dealing with a merchant account provider then it is important that the company you pick has the facilities to develop with you, as you grow and expand your company. Having the option to pay with contactless payments isn’t a passing phase, it is an important progression in the financial markets. Even high risk merchant accounts...

May 27, 2014

Fed Looks To Improve Mobile Payments

The federal reserve bank is looking to improve the United States’ payment system. Using town hall meetings held around the country to get input, the Fed seeks to make payments in the United States more competitive like the rest of the world. First though, there are many issues to be addressed. Improving the U.S. Payment system involves making electronic payments...

May 27, 2014

Mobile Payment Processing Poised To Takeover

As people increasingly use their mobile phone it is inevitable that mobile transactions will grow. A report from BI Intelligence has found that there is rapid growth in mobile transaction volume. This is changing the mobile payment processing industry, especially in regard to credit and debit card payments. Consumers and merchants alike are using mobile payment processing methods from scannable...

Apr 18, 2014

New Wave of Mobile Payment Processing and Marketing Apps Court Merchants

The gap between the phone and the wallet for Americans continues to narrow. Mobile marketing and advertising is coming together with merchants to not only offer mobile payment processing, but also to put marketing tools such as coupons in consumers’ pocket.   Merchants have long been facilitators of customers making payments and in the mobile era they are seeking new...

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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 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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