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...

Nov 02, 2020

The Dos and Don’ts of CBD Marketing Claims for CBD Merchants

So, you have created an innovative, high-quality CBD product and you’re ready to bring it to the market. After testing for safety and compliance, you’re now ready to create the label. You’ve put together a list of profound benefits, but are unsure of what you can say and what you cannot say. Of course, you want your product’s unique selling...

Oct 20, 2020

Get a CBD Merchant Account Fast and Hassle-Free

Over the last few years, as CBD has grown in popularity, more and more scientists have jumped into researching the benefits of using this substance for medicinal purposes. So far, they have found that it can help treat conditions like pain, insomnia and anxiety. It has also been found to help suppress seizures by slowing down messages to the brain...

Sep 29, 2020

CBD Merchant Account & Credit Card Processing

Online sales are growing all around the globe. The majority of customers like making payments via credit cards, so you can’t do without online payment processing for your CBD business. This article is about obtaining a secure and cheap CBD merchant account to accept payments online.  Credit Card Processing for a CBD Business The risks associated with CBD businesses make...

Sep 25, 2020

A Guide to Getting the Best CBD Merchant Account

With the controversy that still follows the CBD industry around, it probably comes as little surprise that CBD products have been pushed in the high-risk category by traditional providers. Leary of the reputational risks and shaky regulations, they are simply unwilling to provide their services to CBD merchants. As a result, merchants find themselves with little to no options, and/or...

Jul 22, 2020

High Lead Results Lead Summit Labs To Voluntary Recall

In a company announcement, Florida-based Summit Labs voluntarily recalled its Kore Organic Watermelon CBD Oil Tincture 30 ml bottle. A random sample tested by The Florida Department of Agriculture Consumer Services found the product to contain lead at levels of 4.7 ppm. When another sample from the same batch was tested, they found only .5 ppm, which falls within the...

Jul 02, 2020

The 4 Key Benefits Of Payment Processing Integration

The payment industry has been evolving at a rapid pace in just the last few years. So much so, that small businesses and merchants have had difficulty staying current with all of the payment industry’s best practices and standards.  The newest standard that is certain to impact many businesses for the better in terms of efficiency is the current integration...

Jun 26, 2020

Cannabis Merchants Pivot Payment Processing to Adapt to COVID-19

So much has changed in such a short time. Just a few months ago, everything was business as usual. Today, the operations of businesses across all industries is dramatically different. As the COVID-19 pandemic has swept the nation, the daily lives of people have been altered and the workplace and business itself has shifted. Without a doubt, the pandemic has...

Jun 23, 2020

What Is Payment Integration?

Payment integration saves time, decreases human error, and increases cash flow. For small businesses, the ability to accept credit cards is a fundamentally important decision.  By only accepting cash as a form of payment, you will be missing out on a large portion of sales. In fact, in a 2016 consumer payment study conducted by TSYS,   found that only...

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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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