Feb 21, 2018

Alternative Option To A PayPal Merchant Account

PayPal and Stripe are tools to handle online payment processing. Are you interested in a PayPal merchant account? Maybe you need a Stripe account for your business? This article will help you figure out when it’s right to use them. Also, you’ll get to know when it’s better to go with traditional merchant account from a payment processor. Choosing a...

Oct 30, 2017

Why Not Use PayPal for High Risk Processing?

While PayPal is one of the common options most retailers consider when looking to process credit card payments, there’s always the question of whether you can use it for your merchant account for high risk business. Unfortunately, you can’t, because they don’t accept merchants like you. Along with other payment aggregators like, Stripe and Square, PayPal is not willing to...

Aug 24, 2017

Why You Should Leave PayPal and Use Other Services to Send People Money

PayPal is a probably the most popular and trusted way to transfer, send or receive money online. However, it’s not necessarily the best one. You can find other great services out there that offer more benefits and less hassle as compared to PayPal. PayPal has some downsides, especially when it comes to PayPal merchant services, which make users look for...

Jun 28, 2017

Interested in an PayPal eBay Merchant Account Alternative?

In 2015, PayPal and eBay turned into separate companies. According to eBay, both companies expected to drive benefits from the separation. As Neira Jones, UK payments expert notes, one of the strategic factors that played a significant role in the separation was the constant divergences about the future ambitions between the companies. PayPal was trying to become a regulated payment...

May 04, 2017

EMB Can Take Over Your PayPal Merchant Account

13 years have passed since eBay acquired PayPal in a $1.3 billion deal. Now, eBay and PayPal are separate companies facing the highly competitive e-commerce world on their own. According to analysists in the field, the separation will help PayPal grow more quickly and fight the competition in the mobile payments space more successfully. eBay and PayPay as 2 Separate...

Mar 23, 2017

Interested In An eBay Merchant Account? Turn To EMB

In the 4th quarter of 2016, the Commerce Department reported that e-commerce had 14.3% year-over-year sales growth to make up $102.7 billion, with total retail sales representing 4.1% in the same period. E-commerce sales accounted for only 8.3% of total retail sales in the US alone. Using PayPal for eBay According to Datanyze, the leading technographics provider, PayPal plays a...

Mar 17, 2017

Alternative Payment Methods To PayPal

PayPal is a highly popular platform that enables users to make monetary transactions. With PayPal, there is no need for bank transfers and checks: it just requires both the receiver and sender to have a valid PayPal account to complete transactions. Since PayPal’s spin-off and its 2nd IPO in July 2015, the company’s shares have gone up by over 20%...

Dec 13, 2016

Merchant Account VS. PayPal, Are You Choosing the Right Account Type?

The more payment options your business has, the better. Your customers need to be able to pay for your goods or services using their credit cards. In order for you to accept them, however, your business will need to obtain a merchant account. Online businesses also require a payment gateway to complete a transaction (a technical component that forwards credit...

Nov 02, 2016

Looking For An Alternative To PayPal Merchant Services?

Users choose PayPal mainly for online purchases and sending money to friends and family. When it comes to merchant account services, however, they often turn to other options in the field. Recent Statistics In North America, 60% of consumers use cash at least weekly to make purchases at a merchant location. According to a new report from Accenture, this is...

Oct 28, 2016

Choosing A PayPal Alternative Merchant Account?

Based on recent data by one of the companies in the electronic payment services industry, global travelers are choosing alternative payment methods for travel more than ever. The survey shows that PayPal’s popularity has grown over the past 12 months. Recent Statistics In 2015, the volume of transactions totaled 14.5%, and in 2016, all transaction volumes reached 15.7%. PayPal is...

Award winning.

  • 2012
  • 2013
  • 2014
  • 2015
  • 2016

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 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.

Live Chat