Merchant’s Reliance upon Payment Apps Security Concerns in the e-Cig Merchant Account Industry

Oct 16, 2014

While payment apps are becoming more popular amongst e-cig merchants, there are many security concerns. In the day of mass hackings, apps are targeted just as frequently, if not more frequently, than other forms of payment systems. While it may not be reported as often, payment apps lack the advanced security features that plastic card terminals can provide.

The vast majority of e-cig merchants have plastic card terminals for plastic card (i.e., debit and credit card) payments. While it may seem easier to carry around your iPad or iPhone to use as an app-based terminal, your phone is more likely to be hacked through the app, which not only harms your customer’s information, but also other sensitive information you may have stored on your phone or tablet. Many e-cig merchants may be going toward an app-based payment system, due to the low overhead, low rates, and the fact that they do not discriminate against e-cig merchants. Many mainstream merchant account processors do not deal with these companies, due to the fact that they have a higher risk of incurring fraudulent activity. Add this increased risk with the risk of app-based payment processing hacking, and you have a major problem on your hands. You need a merchant account processor that specializes in e-cig merchant accounts. You need EMB.

At, know that e-cig businesses are lucrative, yet new. Many are still coming onto the trend, and many are not sure if it will survive. Regardless of its newness, we will protect your company, your information, and your customers’ information with our security systems. Our systems are top-notch, which is an absolute must in the age of hacking. While we may not be able to stop 100% of hackings, we have already implemented the terminal change to accept chip and PIN cards in addition to traditional plastic payment cards.

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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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