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,...

Sep 09, 2016

A Better Way to Integrate Your Payments into Salesforce

Salesforce is celebrated by merchants the world over as a powerful customer relationship management (CRM) suite. People use it to: Conduct follow-ups on sales opportunities Track sales leads and monitor prospects Boost customer acquisition efforts Salesforce is trusted to deliver impressing results in each of these areas. It even comes with social media and real-time customer collaboration and integration in...

Jul 29, 2016

Payroll Cards Are On The Rise In The US

Americans prefer payroll cards to paper checks because the former help employers and employees save time and money. Payroll cards allow employers to just electronically deposit funds into a card. Why Do Americans Prefer Payroll Cards? More and more Americans are turning to payroll cards. In 2014, 6 million US employees received their wages using payroll cards. By 2019, this...

Jul 29, 2016

Growing Threat of Payment Fraud

Fraud and chargebacks can be alarming for your business. Take your time to find the best solution to fraud-related problems before the trouble knocks at your door. Payment Fraud Survey The Electronic Payments Association (NACHA) has recently held its electronic payments 2016 conference. A TD Bank conducted a survey at the conference on the future of the financial services sector....

Jul 21, 2016

EU Requests $2B As A Public-Private Cybersecurity Investment

The European Union is eager to cooperate with private companies to fund cybersecurity research. Computerworld reports the EU has already planned to give €450 million ($500 million) for this purpose but is requesting the industry to make some contribution to bring the total amount to $2 billion. The European Union on Cyberattacks According to a recent report released by 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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