Sep 18, 2018

The Ultimate PCI Compliance IT Cheat Sheet

What does Equifax, Yahoo, Target Stores, Adult Friend Finder, and JP Morgan Chase have in common? If you have been paying for the last few years, then you already know. These businesses experienced some of the most devastating data breaches that occurred during just the last five years. Data breaches happen every day. However, the extent of damage to business...

Mar 20, 2017

What You Should Know About Level 3 Payment Processing

Credit card processing methods can be characterized by the following levels: Level 1, Level 2, and Level 3. These levels differ from each other based on how much information is required to complete a payment. 3 Levels of Payment Processing Level 1 processing requires the least for payment authorization. Level 1 credit card processing is required for Business to Consumer...

Dec 23, 2016

Things To Consider When Processing Payments on the Web

Often eCommerce merchants spend just a few minutes on online payment processing. They usually focus on the website’s design, without trying to create a web page that is easy to use. When choosing an online payments processing service, payment relationship can be built either with a payment gateway (directly) or via an ISO or Independent Sales Organization (indirectly). Do your...

Dec 21, 2016

New Threats And PCI Rules

The Payment Card Industry Data Security Standard (PCI DSS) turned 10 years old in September 2016. It has introduced a new 3.2 version of the industry standard that should be used by businesses to protect payment data before, during and after purchase. Now, businesses should take into consideration a large list of new requirements and clarifications. These will be regarded...

Sep 09, 2016

How Integrating Payments can lower PCI Burden

Any credit card merchant is bound by the Payment Card Industry (PCI) compliance regulations. As long as your business involves processing card payments, you are required to obey PCI compliance rules. The PCI SSC carries the requirements that help establish the standards and norms binding everyone involved in storing, processing, or transmitting cardholder data. PCI SSC compliance requirements therefore typically...

Jul 26, 2016

FTC Urged To Disregard PCI DSS And Start An Investigation Into Antitrust Violations

The National Retail Federation (NRF) has recently asked the Federal Trade Commission (FTC) to start an investigation into an organization that sets data security standards. The organization was established by the credit card industry, and, according to the NRF, applies some controversial practices that raise antitrust concerns. Standards Set by the PCI Standards Security Council The world’s leading retailer advocacy...

Jul 22, 2016

Payment Card Industry Data Security Standard Audit A Fire Drill?

Each year, companies face a fire drill when completing their Payment Card Industry Data Security Standard (PCI DSS) audit. What is more, companies have to complete the vulnerability scans that are required by PCI DSS. Why Do Companies Get into a Chaos? The reasons for a PCI compliance fire drill are as follows: First of all, companies are still manually...

Mar 23, 2015

High Risk Merchants Struggle with PCI Compliance

The newest version of the Payment Card Industry data security standard (PCI-DSS) went into effect on January 1, 2014. This means that all merchants must comply with these standards by October of 2015. The changes in PCI DSS 3.0 are detailed on the PCI Security Standards Council Website, but there are three major changes going into effect that will influence...

Feb 13, 2014

Acquirer Survey Shows that Small-Merchant PCI Compliance Is on the Rise

A recent survey released by Atlanta-based security-solutions vendor ControlScan Inc. and the Merchant Acquirers’ Committee shows that acquirers and other independent sales organizations have been reporting greater compliance among small business merchants with a key data-security standard. Nearly 60 percent of ISOs and other processors report that compliance rates are up by more than 40 percent as shown in 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 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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