Jun 20, 2017

Get Your Online Auction Site Merchant Account From EMB

The online auctions industry is growing with rapid advances as more time-strapped and cost-conscious consumers are looking for convenience they can have to find, compare and purchase products online easily and quickly. Online Auction Industry As there is increased consumer spending and growing number of total internet connections, revenue for the e-commerce and online auctions industry is projected to rise...

May 09, 2017

Accepting Online Payments

2017 will continue making customers choose to live a digital life. Year by year, more and more people are choosing different forms of online billing and looking for ways to accept payments. The 2016 Annual Billing Household Survey shows each month customers pay their bills choosing an average of 3.6 different payment methods. Customers are increasingly using mobile payments: 33%...

Mar 07, 2017

How to Grow Your Home-based Online Business with a Merchant Account

The number of merchants currently conducting their operations in the comfort of their homes has rapidly risen in recent times. Unlike more established enterprises, home-based businesses are less regulated, cheaper to run, and offer more flexible working hours. However, merchants that choose to work from home face the problem of limited payment options. A home-based retailer entirely depends on credit...

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...

Jun 23, 2016

4 Banking Technology Trends that Will Change the World

How individuals conduct business and make purchases are changing every day. Merchants that want to see their businesses grow, must learn how to utilize new methods of payments technology that make purchasing quick and easy. Right now financial institutions are scrambling to find and develop payment processing technologies. Developers are innovating a variety of  technologies driven by customer needs and...

Feb 29, 2016

Retail Sales Are Helped By Techies and Tech Advances | Online Retail Merchant Account

While online sales depend solely on the ability to access the internet and navigate a webpage, brick and mortar store sales are typically more “hands on” in terms of customer coddling. Besides convenience, many choose to shop online for the ease of not having to deal with subpar employees. Employees are a shop’s front lines, and they should be kind,...

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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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