Jun 25, 2020

How Your Small Business Can Benefit From Recurring Payments

How are you currently accepting payments? Are you trying to determine whether or not your business should use recurring payments? Thanks to the constant changes in payment processing to satisfy the needs and demands of customers, there are always new ways to simplify and improve the process of collecting payments. One of the most common being recurring payments. What are...

Jun 17, 2020

Recurring Payments Defined

Recurring payments are beneficial and time efficient for both merchants and customers. Taking the center stage of the most popular and convenient business model today is the “subscription-based model.” If you are familiar with innovative streaming services such as Spotify, Amazon Prime, and Netflix, then you can see why this business model is taking the world by storm. It is...

Sep 27, 2019

Get Processing with a Continuity Subscription Merchant Account

The Subscription Economy continues to show signs of robust health and growth.  Zuora, a leading cloud-based subscription management platform has released the biannual “Subscription Economy Index” which measures the health of subscription businesses and its impact on the overall economy. In the last seven years, the companies that were featured from North America, Europe, and Asia-Pacific have seen their sales...

Aug 13, 2019

Payment Processing for Continuity Subscription Merchants

The continuity economy is among the most successful business structures. However, the high risk nature of continuity subscription businesses makes merchants look for high risk payment professionals that can help them grow their business with ease. This article will help you discover more about these businesses, as well as will help continuity subscription merchants avoid having a harder time opening...

Feb 14, 2019

MasterCard Makes Ending Free Trials Hassle-Free

MasterCard announced new guidelines to stop merchants that hoodwink consumers into signing up for paid subscriptions by luring them in with free trials. The goal is to make the process of cancelling subscriptions for those that started as free trials simpler. Understanding the New Guidelines Starting April 12, merchants that accept MasterCard must get the cardholder’s approval at the end...

Dec 28, 2018

Continuity/Subscription Merchants: Continuity Billing Scams

Law enforcement authorities go on warning that continuity billing scams are increasing and it’s critical to take the necessary measures to avoid being victimized. Where can continuity/subscription merchants find the most reliable merchant services for their business? Just read below to know more on the topic. Continuity Billing Scams: How to Avoid Them With eCommerce being on the rise all...

Mar 28, 2018

Recurring Credit Card Billing Merchant Account

In the modern world of technology, the payments industry provides merchants with various striking opportunities that can incredibly help them with payment processing. Recurring billing is one of them. This article will tell you about recurring billing, as well as how you can open a recurring credit card billing merchant account fast and easily. What Is Recurring Credit Card Billing?...

Jun 07, 2017

Keep Your Billing And Invoicing With Recurring Credit Card Processing Simple

According to the 2016 US Consumer Payment Study by a US credit card processor, merchant acquirer and bank credit card issuer, 23% of credit card users and 33% of debit card users choose to pay with recurring billing. Recurring Billing Recurring bills play an important role in of our lives. This refers to both business and personal finances. Consumers are...

Jun 05, 2017

Negative Option Billing and Forced Continuity Being Shunned by Major Credit Card Companies | What’s Your Plan?

To start with, Negative Option Billing is a process where a merchant puts a certain product or service on free/subsidized offer so that customers can try the product/service for a small fee before committing to purchase. Before they gain access to the free sample, the merchant will record the customer’s credit card information. After the trial period expires, the customer...

May 08, 2017

Solutions for Continuity Negative Billing Merchants

As major credit card companies make known their stand against Negative Billing Options, merchants have even more reason to turn to other payment providers for alternative solutions. Recently, MasterCard and Visa said that they would stop doing business with any merchant who engages in Negative Options Billing. In fact, MasterCard went ahead to stress that it would close the accounts...

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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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