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 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...

May 23, 2020

How To Secure A Nutraceuticals Merchant Account

You need a dependable high risk merchant account provider for your nutraceutical merchant account. The global dietary supplements industry was estimated at $123.28 billion in 2019, according to Grand View Research. The main drivers of this growing demand include increasing health concerns as well as changes in dietary lifestyles.  The demand for dietary supplements is also fueled by the growing...

May 14, 2020

Fintechs Enter Regulatory Gray Areas

High risk merchant accounts and providers could face scrutiny amidst new FDIC inquiry. As an explosion of payment technologies continue to impact the way consumers make transactions, fintech companies have now found themselves in a “regulatory gray area”. Critical questions about compliance and protecting consumers have come to fore, as regulatory bodies such as the Federal Deposit Insurance Corporation (FDIC)...

May 12, 2020

Experts Warn of a Surge In Fraud Due To Rising Online Use

Merchants should consider chargeback insurance to protect themselves from online fraud.  With the COVID-19 pandemic sweeping the country and the world, consumers are now looking online for goods, services, and entertainment. This sudden change in consumer purchasing behavior has great implications for eCommerce businesses.  On one hand, eCommerce businesses have seen an explosion of sales. ACI Worldwide’s research has found...

May 05, 2020

What Is CCPA And How Does It Affect The Payments Industry?

The CCPA will bring frustration, penalization, and litigation for ill-prepared businesses. On January 1, 2020, The California Consumer Privacy Act (CCPA) took effect, granting California consumers a slew of rights to privacy, including all digital data. It is likened to the EU’s General Data Protection Regulation or (GDPR) that was enforced back in May 2018. The law outlines the following...

May 04, 2020

AI Is The Clear Answer To Fraud Prevention

AI has received a lot of notoriety as the ultimate solution for fraud prevention. Artificial Intelligence or (AI) has been a topic of much discussion in recent years. Many merchants falsely believe that it’s the “new kid on the block” of payment fraud solutions. This could not be further from the truth. In fact, FICO has been steeped in this...

May 04, 2020

Do You Have Higher Than Average Chargeback Rates?

Protect your business by keeping your chargeback rates below the maximum standard rate. As an online business processing credit card payments, you will encounter a myriad of challenges. One of the more formidable opponents to your bottom line, without question, is chargebacks. A chargeback typically takes place when a credit or debit card issuer reverses a payment back to the...

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, emerchantbroker.com (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 Emerchantbroker.com...

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