Merchants: Do You Know What Your Merchant Account Does?

Dec 29, 2014

All merchants know that they need a merchant account. However, many do not know if they need a high risk merchant account or a mainstream merchant account. While many companies can use a mainstream merchant account, there are industries that must employ a high risk merchant account processor.

So, what is a high risk merchant account? Well, one of the things that sets apart high risk merchant account providers, such as, is that they accept industries that others do not. These industries range from e-cig vendors to adult dating website merchants to car dealerships. Average, everyday businesses fall into this category, but they are often frowned upon in the financial world. This is because these businesses have a higher risk of incurring fraudulent activity, as compare to mainstream companies.

Now, a high risk company can employ a mainstream merchant account provider at times. However, more than likely a mainstream merchant account will drop a high risk company when they incur a fraudulent charge. A high risk merchant account provider does not act this hastily, which is one of the reasons that you need to make sure that you are employing one for your business. You need the services of a provider, such as, to help keep your merchant account safe. is one of the top-rated high risk merchant account processors in the United States. While others refuse to work with high risk companies, we embrace them. Others charge higher processing fees, just because a company is labeled as “high risk”.  At, we charge industry-standard rates, regardless of the type of business. We also provide a chargeback suite, which helps guard your company against chargebacks when a fraudulent charge happens. Chargebacks are upwards of 270% of the original transaction price, and this can cripple even the most successful company. Whether you are an existing merchant, or a new merchant, your high risk accounts are always welcomed at

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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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