Sep 08, 2022

Picking the Right High-Risk Payment Partner for Your Small Business

As a small business owner, you have enough on your plate, but payment convenience remains a priority. And if you’re in a high-risk industry, you may have had trouble getting approved for a merchant account in the past.  High-risk businesses are typically defined as those with a higher than average chance of chargebacks or fraud. This can include businesses in...

Aug 09, 2022

Small Businesses Including P2P As Payment Method

There are two qualities that consumers want for their payments: faster and more convenience. Peer-to-Peer (P2P) mobile payments apps are making this happen as people use them to send money to both friends and family. Can businesses take advantage of this popular way to accept a payment? The answer is a definitive yes. The Challenges Small Businesses Are Facing A...

Apr 21, 2022

Opening A Bitcoin Merchant Account

According to Gemini, a cryptocurrency exchange, close to 21 million Americans (roughly 14%) actually own cryptocurrency. Also, new findings from The Ascent’s research revealed that more than 50 million Americans, who have never owned cryptocurrency before, are planning to do so this year.  Although a fairly wide knowledge gap exists for most Americans when it comes to cryptocurrency, it is...

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...

Mar 26, 2020

How to Choose the Best Customer Payment Methods for Your Small Business

Long before you open the doors of your business, there are countless critical financial decisions that have to be made. These decisions are so important. They will either set your business up for success, or they will quickly have a negative impact on operations. When it comes to choosing the best customer payment methods, even established businesses need to revisit...

Aug 26, 2019

U.S. Small Businesses Welcomed to Alibaba to Sell Globally

Chinese eCommerce giant Alibaba Group Holdings Ltd (BABA.N) has recently decided to allow small businesses in the U.S. to sell on its platform. This enables U.S. small businesses to sell their products globally. Let’s move forward to dive deeper into the topic and find a respectable payment processor to work with. Alibaba Welcomes U.S. Small Businesses Alibaba, the tech titan...

Apr 18, 2019

Philly and NJ Ban Cashless Stores, Creating an Equal Opportunities for Consumers

In an effort not disenfranchise any consumer, Philadelphia became the first U.S city to ban cashless stores, including restaurants. Philadelphia isn’t the only place that outlawed cashless businesses. New Jersey Gov. Phil Murphy signed a similar ban into law on March 18. Even at a time when society continues to pay for more goods and services with digital wallets and...

Feb 26, 2019

Fake Facebook Accounts Harm Merchants’ Bottom Lines

Worldwide, Facebook has more than 2.3 billion users. The Silicon Valley social media platform has used its number of users to lure advertisers to its pages. However, it wasn’t until recently that it came to light that a staggering number of its users include fake Facebook accounts, which were set up by spammers and scanners to break the rules or...

Oct 09, 2017

Tips to Improve the Security of Your Small Business

Running a business is associated with a myriad of important things, including security issues. As a small business owner, you should be on the hook for not only sales, marketing, accounting, merchandising, etc. but also for both physical and online security of your small business. Here are steps to take to improve the security of your business: Physical Security Install...

Dec 22, 2016

Navigating A Rapidly Growing Payment Ecosystem

The way people are making payments is changing drastically. Smartphones are being used for any formal and informal transactions. To make transactions easier to process, thousands of companies are working and competing each and every day. Payments Ecosystem Payment processing means transferring information from one party to another, and digital processing is beneficial for almost all stakeholders in the industry....

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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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