EMB Has All of Your Merchant Payment Processing Needs

Apr 23, 2015

When it comes to finding a one-stop-shop for business financing, funding, and payment processing, it’s usually a difficult process. Few reputable companies exist, and often times there are strict guidelines as to what types of companies they will deal with. If you have a high-risk categorized company, or have less than great credit, you need to turn to EMB for all of your merchant financial needs. From payment gateways to merchant accounts to fraudulent protection, and even ACH debit, we have a solution for your needs.

With EMB, you are not only getting a processor, but also an ally. We know that this industry is tough, especially if you are in the high-risk category. You can be placed into this category for a number of reasons. These reasons include personal credit issues, no business ownership experienced, and even the type of business you operate. Many “everyday” businesses are categorized as high-risk, from tobacco shops to car dealerships, and even pharmacies. These businesses have a higher risk of incurring fraudulent activity, hence the high-risk categorization. There is absolutely nothing wrong with operating one of these businesses, but the fraudulent charge risks are enough to push mainstream processors over the edge. With EMB, we know that a fraudulent charge is part of the industry. We provide chargeback insurance to help keep chargeback costs low, as well as to help you find out if the charge was really a fraudulent charge, or just a regretted purchase.

We are the high-risk experts, and there is not a legalized industry that we do not cover. We are consistently voted the best high-risk provider by industry experts.  Signing up is fast, easy, and secure. Our high-risk merchant account application process can be completed in just a few minutes, and you will hear back from us within 24-48 hours, sometimes sooner! We have some of the best support in the business. We can be reached any time of day, and will help you through any hurdles you might encounter. Need help? Call Us. In fact, contact us today to learn more about our high-risk merchant accounts and other processing needs.


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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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