Jun 16, 2020

Coronavirus And Its Significant Impact On The Payments Industry

The payment industry was negatively hit by the pandemic; only time will reveal the lasting impact.  On a human and economic scale, the COVID-19 virus has wreaked havoc. One of the many ways that the global pandemic has affected consumers is how they shop. With government regulations strongly urging social distancing and essential shopping, consumers are still leery of going...

Apr 15, 2020

12 High-Risk Trends in The Payments Industry

The modern payment industry offers an incredibly large variety of opportunities and challenges at the same time. Knowing the top payment industry trends is critical to your success. This article will help you with these trends and a merchant account bad credit. So, if this is what you’re interested in, just read below. Current Global Economy Global trade is still...

Jan 29, 2020

Confronting The Digital Authentication Payments Crisis

A very complex topic that is driving the future of payments and financial services is that of authenticating the consumer.  All participants within the payment chain, from the merchant to the service provider to processor and finally to the bank, have a vested interest in ensuring that the customer initiating the transaction is the lawful user. However, the objective of...

Jan 27, 2020

Bold and Promising Predictions as the Payments Industry Welcomes a New Decade

Payments is one of the most dynamic sectors, judging by the buzz of activity we saw last year. New and more innovative ways to pay, mergers and takeovers, regulatory changes and so on. But we can’t base all our market predictions on 2019, travel a decade down memory lane and it dawns on you that much has changed— and will...

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....

Oct 10, 2019

How the New Return Reason Code R11 Will Impact Your Business

There are several return reason codes and they exist to provide information to the merchant as to why a transaction didn’t go through. Some are used more often, and some provide more insight than others. Currently, code R11 is used when returning a check truncation entry and should only be used if no other return code is appropriate. Due to...

Sep 17, 2019

Capital One Breach: Account Takeover Fraud on Fire

On July 29, 2019, Capital One talked about the data breach the company had experienced. Over 100 million people’s sensitive data was breached in the U.S. and Canada as a result. If the Capital One breach is the topic you’re interested in and if you want to discover secure payment processing services, keep on reading below. Capital One Breach: Protect...

Aug 30, 2019

FTC and Ohio Stop Payment Processor & a Telemarketing Scheme

It’s no more a surprise that credit card fraud is a common thing these days and continues to further grow all over the world. Recently, the Federal Trade Commission (FTC) and Ohio have stopped a payment processor and a credit card interest reduction telemarketing scheme that’ve supposedly been working together to scam consumers. Let’s move forward to discover more about...

Aug 19, 2019

Couple Charged With Fraud & Money Laundering in $7 Million Ponzi Scheme

Have you heard about a California couple arrested early in August? The couple was arrested on charges of operating a $7 million advance fee Ponzi scheme. Do you want to reveal more about fraud and money laundering? Do you want to know more about this and other similar cases? Well, just keep on reading below. Fraud and Money Laundering Wire...

Aug 14, 2019

Illicit Trade: Danger for the Environment, Law, and the SDGs

Illicit trade has to do with smuggling, counterfeiting and tax evasion, human and wildlife trafficking. It causes progress to dwell on the dark side, adds to the overall costs and stops the growth of the goals. Just read below to know more about the topic and find a trustworthy payments specialist that can help you avoid online payment processing fraud...

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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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