How to Get Your Merchant Account Approved Instantly

Aug 11, 2017

Merchant accounts are necessary for businesses so that they can accept credit/debit card payments from customers. A merchant account can be defined as a financial account thanks to which funds can be transferred from a card issuing bank to a merchant’s business bank account.

Merchant Account Services

Merchant account services include payment processing for businesses of different types such as retail, MOTO (mail order/telephone order), internet, high risk businesses, and more. If you don’t have a merchant account, you can’t accept Visa, MasterCard, American Express or any other popular card type.

If you have a merchant account but your bank has informed you it’s no longer going to process payments for your business, don’t get into a panic. Reputable payment processors like offer high risk merchant account instant approval. EMB is voted the #1 high risk processor in the US and has an A+ rating with the BBB. is rated A by Card Payment Options and is named one of Inc. 500’s Fastest Growing Companies of 2016.

EMB offers exceptional merchant account services and the lowest possible rates in the industry. With EMB, you can enjoy excellent payment gateway solutions, instant check processing, business funding, and much more. The application takes only minutes to complete.

Instant Approval for Merchant Accounts

Some merchant account approvals take weeks. However, based on several components, you can get instant approval for your merchant account. What are these components?

  • High Credit Score

This indicates you make your payouts on time.

  • Funds in the Bank

This indicates you’ve reached success and have some money saved for the future.

  • Fully Functional Website

Your website should be fully operating.

  • Your Industry. Your bank.

It’s a great advantage if the acquiring bank has processed transactions for your type of industry.

  • Valid Identification

Make sure your driver’s license or passport is up to date.

  • Complete List of Documents

Make sure to have your documents in order and ready for submission.

All the above-mentioned points can help you increase your chances of getting approved for a merchant account without delay. Turn to a reputable merchant account services provider that offers instant approval for merchant accounts and start growing your business.

Let us help you get a high risk merchant account today!

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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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