Apr 28, 2017

Merchant Account Application Declined? | 4 Reasons Why

If you’re a high risk business, you may find it difficult to get approved for a merchant account for this or that reason. However, knowing what your high risk processor will require from you, you can take the right steps so that not to get refused. Below you can read the main reasons why your application may be declined. Not...

Jan 06, 2017

The MATCH list: Why Your Application for a Merchant Account Can’t Get Through

Former merchant account holders are often taken by surprise when their application for a new account is rejected because they have apparently been added to the MATCH list. They, therefore, result in scrambling to find out what this list is all about. If you are reading this now, chances are, you are one of these unlucky merchants. Nonetheless, you can...

Oct 26, 2016

Merchant Account Terminated | What To Do Next

Finding out that your merchant account has been closed can be a nightmare for your business. It can definitely leave you feeling like the world is ending. A terminated processing agreement – and closed merchant account – goes well beyond your businesses current operations; the long-term ramifications can devastate your business’ future endeavors. If you’ve found yourself in this position,...

Sep 16, 2016

Merchant Accounts for Terminated Merchants

So, you are on the TMF file. Do you even know what this is? The Terminated Merchant File is the list you are on when you are closed out from another merchant account. This can seem like the end of the world, but it isn’t. There are merchant account options available – and one of the best comes from EMB....

Mar 25, 2016

Beat the TMF List with EMB

Is your business on the MATCH list or terminated merchant file (TMF) list. If so, you will have trouble acquiring a merchant account with reasonable rates if at all. Unfortunately, any business that appears on the MATCH list is almost guaranteed to be denied a merchant account. And once your business is placed on the list, it can be very...

Feb 11, 2016

Are you a Merchant Placed On The Match List – What To Do? | TMF Merchant Account

“Out of your vulnerabilities will come your strength.” –  S. Freud The worst thing that could happen to a merchant is being placed on the MATCH list. MATCH stands for Member Alert to Control High-Risk Merchants. It is regarded as a national database related to merchants and their principal owners whose accounts have been terminated for this or that reason....

Jan 19, 2016

How to Move & Maintain Business After a Terminated Merchant Account

Even the most profitable businesses can be placed on the TMF. The Terminated Merchant File can devastate a business, and once your merchant account has been terminated and you are placed on the list you can have a nearly impossible time finding another merchant account. While it is possible to find a TMF merchant account with a company familiar with...

Dec 30, 2015

On the TMF List? No Problem

If your business is on the terminated merchant file (TMF) list or MATCH list, it is next to impossible to get a merchant account with reasonable rates. That’s because most payment processors use the list as justification to deny merchants, and won’t give merchants the chance to explain their positioning on the list. As a result, most small businesses on...

Nov 30, 2015

Payment Processing Solutions Available to Merchants on TMF List

Do you have a business on the terminated merchant file (TMF) list or MATCH List? This list was created by MasterCard to keep track of all business owners whose credit processing services have been terminated by previous providers. This list is supposed to protect future payment processors from fraudulent businesses. But merchants can appear on the list for a variety...

Nov 02, 2015

Terminated Merchants Can Still Get High Risk Processing Services

If your business is on the terminated merchant file (TMF) list or MATCH list, it will be nearly impossible to find a credible payment processor to handle your account. The MATCH list is managed by MasterCard and lists businesses and owners whose credit card processing privileges have been terminated. Why is this list so crucial? When a merchant applies for...

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 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.

Live Chat