Jan 29, 2023

ACH payment processing

Streamline Your Transactions and Boost Your Business with ACH Payment Processing When you first started your business, you probably focused on getting customers into the store. But now that they’re there, it’s important to make sure they have a great experience while shopping with you.  That means making sure the payments process goes smoothly and easily for them. Especially, if...

Jan 29, 2023

Payment Processing Services: How They Benefit Your Business

Payment Processing Services: How They Benefit Your Business Behind every successful business are gateway payment services. Payment processors ensure that transactions are carried out quickly and make the customer experience more manageable. Although a credit card transaction can seem simple, it is a more complicated process involving payment gateways, the customer’s bank, and the merchant’s account. All this communication happens...

Jan 16, 2023

How Does Small Business Payment Processing Work?

An In-depth Guide to Small Business Payment Processing Managing a small business’s transactions can be a daunting task. Everything presents its own set of difficulties, from keeping your accounting books in order to managing your credit card payment processing. As a result, it’s essential to understand how to make the most of the tools provided by your current payment processing...

Jan 15, 2023

Everything to Know About Subscription Payment Processing

What is Subscription Payment Processing? Subscription payments are quickly increasing in popularity because of the convenience to both the business and the customer. Subscription payment processing allows customers to automatically be charged a certain amount on a specific day without the business needing to do a thing. Subscription payments are also known as recurring payments. They can be charged monthly,...

Jan 12, 2023

How Does Payment Processing Work?

There are a lot of steps to take when starting a business online, but one of the most important is setting up payment processing. Payment processing allows a business to take payments online and get paid. To take payments online, a business needs to use a payment processor. This allows customers to safely and securely enter their payment information to...

Jan 11, 2023

Electronic Payment Process: How Does it Work?

The electronic payment process is rapidly growing because of the convenience and flexibility it offers to customers and the increase of ecommerce business. As it becomes more popular, more people are wondering how the electronic payment process actually works. It may seem as easy as a customer swiping their card or inputting their card information online and the money comes...

Dec 20, 2022

Gateway Processors: A Complete Guide

What Does a Gateway Processor Do? When first starting out as an ecommerce business, it can be tricky to know exactly what is needed to make the payment process as easy as possible for customers. This is where a gateway processor comes in.  A gateway processor is a virtual point-of-sale terminal for online payments and transactions. It collects the customer’s...

Dec 19, 2022

The Ins and Outs of a Payment Processing Merchant Account

Learn All About a Payment Processing Merchant Account Small businesses today need a way to accept credit card and debit card payments. These payments enable them to sell products and services online and in person. Some even offer the option for partial payments and invoicing. A merchant account is an arrangement between a business and a card-processing company. This merchant...

Nov 29, 2022

What is High Volume Payment Processing?

What is High Volume Payment Processing? As a business owner, you know that high-volume payment processing is a must to stay competitive. But what exactly is high-volume payment processing? High-volume payment processing is a complex and challenging task for any business. It requires careful planning and execution to ensure that all payments are processed accurately and efficiently. In this article,...

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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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