Merchant Account Services: Simple, Fast, Secure Approvals

Jan 21, 2019

Whether you’re a small or large business owner, you should seek for reliable and affordable merchant account services if you want to take your business off the ground or expand. This article is about how you can easily obtain an account for online payments and what processor to go for.

Merchant Account Solutions for Your Business

In the modern payments industry, finding a merchant account is more than just getting an affordable business offer. What customers expect is to make fast, reliable, and convenient purchases. What businesses expect is to be able to process speedy, affordable, safe and secure transactions.

Lets’ start with a merchant account. So, this is a kind of financial account that enables fund transfer from the card issuer to the merchant’s business bank account. Businesses interested in accepting online payments from customers need to open a valid and secure merchant account.

You can find merchant services offered by banks, companies providing merchant accounts, as well as by payment processors. Merchant processors set up an account to enable you to accept card payments in exchange for goods/services.

The underwriting team will review your application and approve merchants that have positive bank account balances, outstanding bills, or merchant accounts that have been shut down previously.

Card payment acceptance may seem a simple process to you, however, it’s based on the operation of multiple parties. Together, these parties enable transactions through a secure connection between the merchant processor, the credit card network, the card issuer, and the bank account of your business.

The customer’s information gets transferred through this secure network. Once the card gets debited for the transaction, your bank account receives the funds.

Here, it should be noted that businesses handling transactions basically over the Internet feature high chargeback rates, unsteady high-ticket sales, and larger transaction volumes. When applying for a merchant account, they may some issues because they’ll be tabbed as high risk.

What about the so-called MATCH list? Well, this was created MasterCard. Think of it as a blacklist that prevents business owners with a higher rate of chargebacks and high risk accounts from getting an account with a credit card processor.

So, for businesses that fall into the high risk category, it’s even more important to find a reputable payment processor to work with. Let’s move forward to see how a true professional can help you with your merchant account.

Merchant Account Services You Need

Do you consider banks the most suitable place to get a merchant account? Well, this can’t be true in certain cases such as when running a high risk business. That’s where respectable processors like step in. EMB, a BBB Accredited company, offers not only trustworthy, low cost, secure, but also simple and fast credit card processing. is dedicated to providing exceptional merchant services, including instant check processing, business funding, ACH processing, secure payment gateways, including EMB’s own, as well as an unprecedented suite for protecting you against fraud and reducing chargebacks. EMB is focused on helping high risk merchants enjoy simple payment processing.

All you need is to fill out EMB’s quick online application, submit the minimum of paperwork to the underwriting team and processors for review. After you get your approval, you can start using EMB’s proven platform, and enjoy support superiority.

No matter you’re an in-store or online merchant, you should be able to use safe and secure payment processing solutions. With EMB, this can’t be an issue. You can accept card payments anywhere you do business. Also, you can be sure to enjoy simple and powerful fraud tools that’ll keep your business fully protected.

Now, you might be interested in whether you can get approved without waiting too long. Well, after EMB receives your executed agreement and the necessary paperwork, you’ll get an answer from EMB within 2-3 business days.

When it comes to how you can figure out whether you’re a domestic or international merchant, remember this. If you’re domiciled or have a US Social Security number, you’re classified as domestic, and if not, you’re considered an international merchant., voted the #1 high risk processor in the US, makes it its mission to deliver convenient, simple, and secure merchant services to virtually any type of business. With EMB, eligible merchants can get an approval for their account in as little as 24 – 48 hours.

So, if you want to complete transactions online, a merchant account is a must-have for your company. Only, you should take the time to research all the available options so to find a true professional that can help you get paid faster and make your business more lucrative.

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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