Jul 21, 2022

Why Small Businesses Must Embrace Digital Payments

Without question, the COVID-19 pandemic completely turned the payments industry on its head. Driving a massive surge in digital payments, unlike the world has ever seen.  Many businesses were unprepared and quickly succumbed to the widespread shutdowns of brick-and-mortar businesses and social distancing measures nationwide. Those who fared better were already seeing an increase in digital payments and leaned into...

Dec 09, 2021

Instant Echecks, What Are They?

Echecks, or Instant eChecks, also known as electronic checks, are electronic payments that are made from a customer’s checking account. Another way of looking at it is that it’s a “virtual version” of your everyday paper check. When customers pay with an eCheck, as a form of payment, the funds go to the merchant’s business bank account by way of...

Dec 06, 2021

Payment Solution Tips For Your High-Risk Business

Finding a reputable and trustworthy high-risk merchant account provider can be a challenge. Industries that have higher than normal incidences for fraud and chargebacks, “legal gray areas”, age restrictions, and so forth are likely to hit a brick wall when it comes to securing a high-risk merchant account. It is no wonder. High-risk businesses are capable of generating a considerable...

Nov 24, 2021

What Are eChecks And How Do They Work?

In our rapidly changing world of finance, getting paid securely and efficiently is always a top priority for all parties involved in a transaction. eChecks, also known as electronic checks, are yet another payment method that aims to fulfill these goals.  Electronic checks are an alternative to traditional paper checks and were created to be processed digitally. In order to...

Nov 23, 2021

What is an eCheck? How Your Small Business Can Accept Them

In today’s business climate, it always pays to offer a variety of payment methods to suit every consumer’s preference on the market. Offering convenient payment types ensures that both customers and small businesses keep the money flowing easily and securely.  An eCheck Defined The best way to describe eChecks is that it is essentially a “digital version” of a paper...

Oct 22, 2021

Payment Systems’ Mechanics: Navigating The Pitfalls

The payment ecosystem can be incredibly intricate and complex. All entities and intermediaries are interdependent of each other, each doing their part to bring the payment acceptance process to completion. Each player is a piece of the grand puzzle within the payment landscape.   Within the payments’ environment are strict regulations and laws at local as well as global levels. Every...

Oct 18, 2021

Electronic Payment Systems For Transportation Sector Growing

The mobility industry is undergoing rapid, evolutionary change with the rise of digital technology. What is driving this innovation is a host of factors, including: changes in social attitudes, rapid advances in technology, advances in engineering which have led to energy-efficient modes of transportation, as well as artificial intelligence, which are leading the way to “smarter travel.” The pandemic outbreak...

Oct 18, 2021

Tap-To-Phone Payments Are Gaining Ground

Contactless payments have surged since the outbreak of the COVID-19 pandemic. Companies worldwide have struggled to pivot their operations to accommodate the new mandates of social distancing and limiting as much contact as possible between customers and employees.  Some organizations have explored the use of the ever-ubiquitous smartphone to convert it into a powerful payment processing unit. Instead of using...

Oct 13, 2021

Streamlined Payment Systems Enhance Businesses

Streamlined payment systems not only simplify businesses but also decreases customer churn and boosts trust with customers. With digital payments on the increase comes more complexity with payment processing systems. This is also due to the many players within the payment ecosystem: credit card companies, retailers, banks, consumers.  Large organizations are beginning to struggle with friction and regulation as they...

Oct 12, 2021

Processing Disputes For Real-Time Payments

Consumers have come to love real-time payment services. They especially like the ones where there are no additional fees to pay. Considerable market pressure has been placed on banks and credit unions to offer this type of service. Doing so will provide free transfers to members and avoid the costs tied to third-party providers.  As a result, many have rushed...

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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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