Aug 31, 2015

TMF List Doesn’t Mean the End of Your Business

Is your business on the terminated merchant file (TMF) list? The TMF list is also known as the MATCH List. It is a system created and managed by MasterCard. It is mostly a list of businesses and owners whose credit card processing privileges were terminated. Why is this list important? Acquiring banks use the list to screen potential applicant merchant...

Jul 24, 2015

Basic Tips for Merchants Interested in TMF merchant accounts

Every few days, several businesses report to us that they have been added to the Terminated Merchant File (TMF) or what is commonly known as the MATCH (Member Alert To Control High Risk) List. It can be a very trying period especially if you have never even heard about TMF and how it works. Many times you don’t even know...

May 29, 2015

TMF Merchants There is Hope

If you wind up on the Terminated Merchants File (TMF) list, it can feel like the end for your business.  This list is a compilation of merchants whose accounts have been closed because they ended on bad terms with a bank processor. Once placed on the list, your business and others related to your business could possibly be banned by...

Mar 28, 2012

TMF Merchant Accounts Approved for “Retail” Merchants

At we can approve all retail accounts, even if you, or your business is on the TMF list. We can provide a Visa and MasterCard processing solution that allows for your business to accept credit cards in a face to face environment. Even if you have been declined by multiple credit card processing companies, we can get you processing...

Feb 29, 2012

TMF Merchant Approved at

TMF? Terminated Merchant File! A merchant that is on a TMF list can find it almost impossible to get a merchant account. There are a variety of reasons a merchant may be placed on the “terminated merchant file”, most commonly it is due to an excessive amount of chargebacks or large unpaid chargebacks. Unfortunately some merchants may have had a...

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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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