Nov 07, 2018

Survey Says Payments and Ordering are Key to Restaurant Success

According to a new report in the “Restaurant Digital Crossroads: The Race to Meet Guest Expectations”, ease in payments and ordering are what diners want most. The younger generations are the driving force behind this growing trend. Hassle-free ordering and payment are especially important to young consumers between 18 and 37 years old. To be exact, 75 percent of them...

Jan 25, 2018

Credit Card Processing for Payday Loan Merchants

Payday loan merchants are classified as high risk and need to find a reputable payment processor to apply for credit card processing. Thankfully, (EMB), #1 high risk processor in the US that boasts an A+ rating with the BBB, offers exceptional payment processing solutions for high risk businesses, including payday lending ones. Payday Loan Merchant Account from EMB

Oct 27, 2017

Online Fraud | How to Prevent Fraudulent Signups

Thanks to Internet services and websites, people pay bills, shop, make online reservations and even work easily. However, all these things are very often accompanied by fraud. Small and major data breach are so common in our digital world. The identities of millions of Americans appear in the hands of the wrong people from time to time. Online Fraud and...

Mar 09, 2017

Need A Document Preparation Merchant Account? EMB Can Help

Nearly 8.300 companies provide document preparation services for industries ranging from healthcare to legal and finance in the United States. The annual revenue generated by the doc preparation industry makes up almost $5 billion. You can find mainly small business in document prep industry with 130.576 employees and more than 87.000 businesses. Applying for a Doc Prep Merchant Account Being...

Dec 14, 2016

Businesses with Bad Credit Can Still Succeed

The economy is finally bouncing back, unfortunately many business owners are having a hard time taking advantage because the recession left them with bad credit. Bad credit can be crippling to businesses that have the expertise and creativity to thrive, but are hampered by banks and other lenders that penalize them because of credit scores. If your business is stigmatized...

Nov 21, 2016

Why You Should Look For A Merchant Account Other Than PayPal

Once PayPal was a real revolution in the world of online payment processing and no one was looking for PayPal alternatives. People could quickly send and accept money from their friends and family, and enjoy safer transactions as compared to other options in the field. PayPal has an immense presence in the world of online transactions as it offers solid...

Oct 26, 2016

Which Major Credit Cards Should Your Business Process?

The credit card industry is booming in the United States, but is only dominated by a handful of companies. As of mid-2016, American consumers were approaching $1 trillion in credit card debt. The top 10 credit card issuers issued almost 90 percent of all credit cards given to consumers in the U.S. General Purpose credit card spending has grown by...

Sep 23, 2016

Being a High-Risk Merchant Might be an Opportunity for Growth

Learning you’re a high-risk merchant can be a growth opportunity. Many merchants who never considered themselves high-risk businesses are shocked to suddenly learn their bank has deemed them a credit risk. How could that happen? What does the rating mean for their business? Consider the case of Michelle. She has a thriving online retail business. Her one-year-old company had been...

Sep 16, 2016

What to Look for When Shopping for a Pharmacy Merchant Account

Do you own a pharmacy? A pharmaceutical firm? A website knowledgeable about all things medicinal? If so, finding a merchant account provider may be hard. This is because the industry is considered “high risk”, leaving you with a higher chance of chargebacks, higher processing fees, and subpar service. There are ways to eliminate the bad choices from your search, and...

Sep 13, 2016

What You Need To Know About Finding a Payment Processor

So, you’re opening a business and you need a way to take payments. You will need to find a payment processor – specifically a payment processor that is not PayPal. This can take as little as a Google search to find, but what are you really finding? And what are you looking for? Many startup merchants are not really sure,...

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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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