Aug 03, 2021

FIS’ RealNet Aims To Accelerate RTP Adoption In US

In the US, real-time payments continue to grow as FIS Inc. launches RealNet. RealNet is a cloud-based software-as-a-service platform or (SaaS) that allows consumers, businesses, and governments to embark on account-to-account transactions.  Known as a “network of networks”, RealNet will take advantage of The Clearing House Payment Co. LLC’s real-time payment network alongside the automatic clearing house’s same day networks...

Jul 29, 2021

Google Maps And Waze Allow Users To Pay For Parking And Gas

Google Maps has collaborated with Google Pay to pay for both street parking and transit fares. This can be done directly off the Google Maps app and without needing to take out a  wallet. With more consumers reluctant to touch public surfaces, an integration with Passport and Park Mobile allows them to pay the meter directly off of driving navigation...

Jul 29, 2021

Exploring The Future Of Premium Payments

The payment space is evolving at such a rapid pace. Many solutions being developed today are aiming at providing increased speed, more efficiency, and transparency. When the pandemic took the world by surprise, it also shook the modern payment system world. Suddenly, payment systems went from cashless to contactless. It also radically changed how everyday businesses would operate. What Is...

Jul 28, 2021

Mastercard’s ‘Multirail’ Strategy Is Coming Together

Mastercard continues to move forward with its multi-rail strategy by adding Account-to-Account payments (A2A) to Mastercard Track™ Business Payment Service. This sets in motion the next stage in Mastercard’s journey to innovate payments and address specific pain points experienced by buyers and suppliers. With the success of card payments within Mastercard Track Business Payment Service, businesses will now have an...

Jul 22, 2021

Federal Reserve Announces ISO® 20022 Details For FedNowSM Service

The FedNow Service has revealed its 120+ participant roster as well as a more “narrowed time frame”, which is now 2023, for its initial launch. It has also revealed message specifications based on the criteria as set out by the International Organization for Standardization, (ISO).  The FedNow ISO 20022 requirements will determine the formats and message flows that this service...

Apr 22, 2021

Invisible Payments: Visible Benefits & Risks

Invisible payments come with visible advantages and risks. Given merchants are now dealing with a rapidly evolving market, invisible payments are gaining more and more traction. Follow the lines below to dig deeper into the topic and find an exceptional payments expert to work with.  Invisible Payments  The explosion of new technologies has accelerated the growth of the payments industry....

Apr 22, 2021

Open Banking in Brazil & the U.S.

Open Banking is already put into implementation. Countries apply it as part of their broader agenda aimed at modernizing their national financial ecosystems. This article is about this new trend and its implementation in Brazil and the U.S. Also, it’s about reliable and affordable merchant processing services from a reputable provider.  Open Banking in Brazil What’s open banking? It encourages...

Mar 30, 2021

Spreedly Partners With Visa On Tokenization

Spreedly, a leading payments orchestration platform, has collaborated with Visa to broaden the adoption of network tokenization. They have teamed up to launch a program to extend the acceptance of “network tokenization” through Spreedly’s Payment Orchestration Solution throughout Latin America. They will initiate a project in Argentina and will then spread into other markets throughout the area.  Why This Is...

Mar 25, 2021

Consumers And Businesses Increasingly Adopting P2P Payments

The COVID-19 pandemic has forced many banking customers to convert themselves into “reluctant first-time users” of exclusive digital banking.  A steady rise in the use of peer-to-peer (P2P) payments has been evident long before the pandemic outbreak. It was already flourishing within sectors such as e-commerce, all the way to wealth management. P2P’s Increased Use By Consumers and Businesses In...

Mar 17, 2021

Bill Payments Make Up One-Fifth of U.S. Consumer Spending

Doxo, a revolutionary web, and mobile bill pay service provider, has published its latest doxoINSIGHTS report called the, “2020 US Bill Pay Market Size & Category Breakout.” The latest findings indicated that the average American spends $2.75 trillion a year in 11 distinct bill payment categories. This comprises well over one-fifth of 21% of total U.S. consumer spending.  How The...

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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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