Jun 23, 2016

The Basics of POS Hardware: What Does Your Business Really Need?

In general, POS hardware setups vary from one merchant to the next. One merchant will utilize big-box stores with self-service kiosks, while others choose to accept payments through their Samsung Galaxy. For the most part, businesses will try to find that happy medium by pairing point-of-sale setups with core pieces of POS equipment. Consider the follow list of POS hardware...

Apr 19, 2016

Prevent CNP Chargebacks

An increasing amount of consumers prefer to shop online. While this option is extremely convenient for consumers and merchants, it is also advantageous to fraudsters. As merchants move online, there has been a drastic increase in card-not-present fraud. Chargebacks can result from card-not-present fraud and slowly drain merchant profits. Chargebacks happen when a customer makes a legitimate purchase, but then...

Mar 31, 2016

EMB has the Ultimate Solution for Nutraceutical Success

Most businesses have issues taking off, but when that business is labeled as “high risk”, the problems mount even higher. “High risk” businesses include everything from car dealerships to e-cig vendors, and even merchant credit can have an impact. One of the riskiest is the nutraceutical industry, which affects most consumers on a daily basis. If you take a nutritional...

Mar 28, 2016

Why Online Dating is Taking Over The Dating World | Online Dating Merchant Account

Online dating is one of the fastest growing industries in the world. According to a recent Pew Research Center study (2015) of 2,000 American adults, about 15% admit to using online dating sites and/or mobile dating apps. Millions of singles flock to dating websites every single year to find love, and young adults are at the forefront. Use of online...

Jan 18, 2016


“Whilst usability is key for payments, security is a necessary condition for people to use them.” – Peng Ning According to the surveys carried out by the Federal Reserve, consumers consider security to be the top feature of payment methods. However, other payment characteristics like record keeping, cost, and convenience aren’t regarded as less important characteristics. The Difference Between PIN...

Dec 16, 2015


“When it comes to fraud liability, we need to recognize that targets may shift.” – Michele Kramer Based on Paychex Small Business Survey, retailers and restaurant business owners are better aware of EMV and the liability shift associated with it, as compared with other merchants. What Does Survey Show? Paychex Small Business Survey was conducted between October 14 and 27....

Dec 01, 2015

EMB for Law Firm Credit Card Processing

The United States runs on the law. Attorneys handle a variety of small and large cases and contracts that enable the wheels of justice and commerce to continue turning. Still many law offices are behind the eight ball in payment processing. Most consumers are demanding payment processing that allows them to pay in multiple ways like credit, debit, online, and...

Nov 30, 2015


The Federal Trade Commission has recently held a conference concerning Operation Collection Protection, a debt collection law enforcement measure. The latter aims to improve the collaboration between state and federal officials and to stop illegal and unfair tactics applied by debt collectors throughout the country. Minnesota and Illinois have already taken strong measures to fight illegal debt collection. Debt Collection...

Nov 30, 2015

Merchants Gear Up For The Holiday Shopping Season

”People are always going to go shopping. A lot of our effort is just: ‘How do we make the retail experience a great one?’ “- Philip Green Black Friday was adopted in Canada to compete with U.S. retailers to cut the number of consumers shopping abroad. Though e-retailing in Canada started developing slower than in the U.S., today, Canadian e-commerce...

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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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