May 31, 2022

Get Approved For The Best High-Risk Merchant Account

As e-Commerce continues to enjoy explosive growth in the last few years, even more so during the pandemic, the need for processing credit and debit card payments becomes more of a necessity. This is especially true for high-risk businesses. However, if you think that a traditional bank or payment processor will gladly partner up with you to open a merchant...

May 12, 2022

Online Dating Merchant Accounts: Find Your Match

According to The Pew Research Center, close to 30% of American adults have tried online dating platforms. It also found that this type of platform was preferred more by men than women.  Online dating platforms are also more popular among singles in their 20s versus singles in their 60s. Almost half of those surveyed (48%) that tried online dating were...

May 09, 2022

Crypto Offers An Alternative To Traditional Payment Processing

Merchants that have been watching payment trends know that the world of e-Commerce, as they know it, is evolving rapidly. As the popularity of online shopping continues to soar, especially post-pandemic, there is no doubt that customers want a more seamless, digital payment experience.  It was estimated that, in August 2021, there were well over 70 million blockchain wallet holders....

Apr 29, 2022

The Pros and Cons Of Chargeback Insurance

Although many merchants today will argue that chargebacks are part and parcel of running an online business, it is not something to tackle without some serious reinforcements. The negative repercussions are too great to not have a solid, strategic plan to mitigate them. Chargebacks are a substantial drain on a merchant’s finances.  It is more effective to take a proactive...

Mar 31, 2022

PCI Compliance Summary: Requirements, Standards & Solutions

Launched on September 7, 2006, The Payment Card Industry Data Security Standard or (PCI DSS) is a set of regulations that ensure that all businesses that process, store, or transmit credit card information, retain a secure environment.  The PCI Security Standards Council (PCI SSC), an independent body that was established by Visa, Discover, Mastercard, American Express, and JCB, manages the...

Mar 25, 2022

Why High-Risk Credit Card Processors Are Needed

An essential part of every e-Commerce establishment is the ability to process credit and debit card payments. If you happen to be a high-risk business, you simply cannot seek the services of a traditional merchant account. So where can a high-risk merchant turn to? A high-risk merchant account. Seeking the services of high-risk merchant account providers will be a worthy...

Mar 23, 2022

Electronic Check Processing: The Ultimate Guide

There is no doubt that we are now living in a digital age, where online transactions are not only the norm but a necessary component to running an online business. Convenience and speed of transactions are of the essence. By offering both benefits, online businesses have a better chance at not only surviving the online retail landscape but thriving as...

Nov 24, 2021

BBB Alerts That Scammers Are On The Prowl This Holiday Season

While many are looking forward to the holidays, taking a much-needed respite from the woes of the world, scammers are gearing up for a new holiday season of swindling.  This year, the Better Business Bureau (BBB) has published what they call their “Naughty List” with the top scams that can catch shoppers off guard this holiday season.  Social media platforms...

Mar 25, 2021

Merchant Feedback Is Vital To Success

As the marketplace is becoming more digital, payment providers have the unique opportunity to tap into the minds of merchants in order to gain valuable feedback, significantly improving their product development.  Merchants are currently faced with an onslaught of pressure from tech-savvy consumers, especially young “digital-first shoppers”, to provide smartphone electronic wallets. Acquirers have had to scramble to find ways...

Nov 30, 2020

Why 2021 Will Be Real-Time Payments Banner Year

Real-time payments or (RTP) has become the latest catchphrase in the payment industry. It’s growth in popularity is attributed to its ability to provide speed, safety, as well as convenience.  RTP has a lot to offer. It makes funds available immediately, the settlement is finalized, there is an instant confirmation, and “integrated information flows”. All this is included with 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 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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