Aug 12, 2020

What Is A Payment Gateway And How Does It Work?

Online transactions have become the fastest and most advantageous way for its users to settle their payments. Thanks to the Internet, customers can be reached globally and therefore users can both buy and sell throughout the world.  The trickiest aspect of online purchases is that they are notoriously difficult to verify and can even be made in anonymity. In order...

Jul 27, 2020

What To Consider When You Integrate a Payment Gateway

A payment gateway is a type of software that links securely between an eCommerce site and a customer’s preferred method of payment. This can include a credit or debit card, a bank account, gift card, or any online wallets. There are numerous advantages to integrating a payment gateway into your website. You don’t have to implement and run the software,...

Jun 29, 2020

High Risk Payment Processing | How Payment Gateway Integration Works

Making purchases online is not something consumers give much thought to these days. It has become such a natural, everyday thing. Even so, much goes into the online shopping and checkout experience. As a merchant, you know just how much time and thought goes into creating a positive, seamless customer experience, none of which would be possible without payment gateway...

Jun 28, 2020

Integrating A Payment Gateway Into Your Website

Payment gateways are a valuable tool that process both debit and credit cards online and in offline stores. Sensitive card information is securely sent between mobile devices/ websites and banks/payment processors.  Integrating a payment gateway into your website can ensure that your customers experience a seamless and safe transaction. It is like having a virtual point of sale terminal. To...

Jun 24, 2020

Integrate a Payment Gateway Into Your eCommerce App

As more countries are preferring to go cashless, the preferred method of payment for most consumers is the use of both credit and debit cards. This option is fast, convenient, and more efficient than the use of cash. Although e-commerce has been on the rise in recent years, m-commerce is following close behind. M-commerce simply involves online shopping through the...

Jun 23, 2020

Payment Gateways Are Essential To Secure Online Transactions

Payment gateways play a vital role in eCommerce. If you have an eCommerce site, the only way to make a profit is to take credit and debit card payments online. In order for that to work, you will need the help of a payment gateway. What Is A Payment Gateway? A payment gateway is essentially a service whose primary role...

Jun 23, 2020

What Is A Payment Gateway? How Does It Function?

A payment gateway facilitates online payments between consumers and businesses. A payment gateway is a service provided for merchants that processes debit and credit card payments for both eCommerce websites and brick and mortar retail stores. Another way of looking at a payment gateway is to think about it as the equivalent to a cash register for a transaction made...

Feb 06, 2020

CBD Payment Gateways Crucial For CBD Owners

A recently conducted study revealed that two of the “big-hitters” in the eCommerce space dominate and are highly favored by CBD site owners.  Shopify, Inc., one of the most popular e-commerce platforms and WooCommerce, the open source e-commerce plugin for WordPress, are the preferred platforms by CBD merchants at a 3:2 ratio, respectively. According to statistics published by data and...

Jan 15, 2020

B2B Cross-Border Payments Bring Fraud and Complexity

Revenues for global payments are soaring. It is projected that it could potentially become a $2 trillion industry by 2020. Cross-border revenues alone make up approximately $200 billion. It is also estimated that there are currently .7 international transactions per capita every year. This up from .5 back in 2014. In 2018, B2B cross-border payments produced $125 billion in revenue....

Dec 13, 2019

Pros and Cons of a Payment Aggregator

In 2018, eCommerce represented about 14.3% of total retail sales, and that number is only expected to go up every year. Being able to conduct business online allows you to connect with a wider group of consumers while lowering your overhead cost of renting space and paying employees. However, to accomplish this, you need a dependable way to process payments. ...

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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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