Jul 21, 2021

Visa Reports Robust Results As Pandemic Nears The End

The distribution of the third round of stimulus checks has produced a windfall for Visa Inc. As the U.S. government delivered direct payments to millions of struggling Americans, the credit card network saw their volume on U.S. debit cards soar 31% to $806 billion due to the boost in consumer spending.  Overall spending on the company’s debit cards reached $2.4...

Jul 21, 2021

Visa Fulfills 1 Billion Contactless Payments In Europe

Throughout the Covid-19 pandemic, a surge in demand for contactless payments has emerged as more consumers feel more confident in pursuing this way of purchasing over any other method.  In fact, according to Visa UK, two-thirds or 65% of consumers worldwide would rather use contactless payments more than they currently are. Throughout Europe, more than 80% of all Visa payments...

Mar 30, 2021

Spreedly Partners With Visa On Tokenization

Spreedly, a leading payments orchestration platform, has collaborated with Visa to broaden the adoption of network tokenization. They have teamed up to launch a program to extend the acceptance of “network tokenization” through Spreedly’s Payment Orchestration Solution throughout Latin America. They will initiate a project in Argentina and will then spread into other markets throughout the area.  Why This Is...

Jul 25, 2019

Installment-Payment APIs Now Part of Visa’s Business

In a move to better align itself with its fiercest competitor, Visa Inc. has announced that it will get into the installment-payment APIs market. The announcement came shortly after Mastercard Inc. told the world it bought Austin, Texas-based point-of-sale credit financial technology company, Vyze Inc. and as the product gets more popular due to options offered from non-banks, like Affirm...

Jul 15, 2019

Visa Aims to Combat Rising Chargebacks By Buying Verifi

Visa will buy the Los Angeles-based Verifi, which offers tools that help merchants, acquirers, and issuers to resolve chargebacks. This is especially impactful considering rising chargebacks in the industry. Though the terms of the acquisition were not announced, Visa said it will integrate Verifi’s technology with the risk-management offerings from CyberSource and Cardinal Commerce. Visa acquired CyberSource in 2010 and...

Jun 28, 2019

Visa and Mastercard Focused on Acquisitions to Remain Competitive

In an effort to stay relevant and compete with powerhouses, like Amazon and Microsoft, the card networks, Visa and Mastercard, appear to be snatching of investments and companies left and right. Don’t expect them calm down, especially as retail payments growth diminishes. They know they need to consider and buy into any investment opportunities, like cross-border payments, peer-to-peer, and interbank,...

Jun 26, 2019

Mass Transit Systems Driving the Contactless Card Movement

Mass-transit systems and the support of the biggest issuers are fueling the movement of pay with contactless cards a part of everyday life. All stakeholders believe this will trigger to greater adoption of contactless payment options overall. The theory has been reinforced by Visa’s announcement that users of the 20 million contactless credit cards issued by JPMorgan Chase & Co....

Jun 25, 2019

Faster, Real-Time Payments Don’t Get Everyone Excited

Last month, Visa acquired control of Earthport plc, which will enable account-to-account transfers. London-based Earthport is one of the largest ACH networks in the world and allows Visa to expand real-time payment capabilities to the public. Visa acquired Earthport for $320.4 million after a fierce bidding battle with competitor, MasterCard. The acquisition connects Visa to ACH and real-time networks in...

May 22, 2019

Visa Launches Platform, Allowing Issuer Processors to Test Products

Visa’s new platform, known as Visa Next, allow issuers and issuer processors to build and test new products. Visa’s clients and partners can gain access to the recently-launched platform through Visa Next. This is Visa’s website that is promoted as a “new destination” for learning about and using new solutions in the payment player’s ongoing pipeline. The platform has beta...

Mar 29, 2019

What Does Kroger’s Latest Ban on Visa Credit Cards Mean for Consumers?

Recently, Cincinnati-based Kroger Co. announced that due to exorbitant acceptance fees it will cease accepting Visa credit cards at its Smith’s Food & Drug Stores chain, effective April 3. That means consumers that shop at any of its 134 stores located in seven Western states will have to use cash, one of the other major credit card brands, or use...

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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.