Mar 28, 2014

E-Cigarettes Taking Over the Market

The tides are changing when it comes to the tobacco growth and sales. There is an alternative to the tobacco that alternative is an electronic cigarette. This changing tide is making its mark on the tobacco economy. E-cigarettes are very different from traditional cigarettes. E-cigarettes use nicotine instead of tobacco. The e-cigarette is designed to heat up the liquid that...

Mar 28, 2014

Will a Proposed Tax on E-cigs, Tank the Electronic Cigarette Revolution?

New Jersey Gov. Chris Christie has proposed a tax on e-cigs in his 2015 budget proposal, making this popular cigarette alternative just as expensive as traditional combustible cigarettes. A tax on e-cigarettes would raise an estimated $35 million for the state. The potential to generate such large revenues from taxes on e-cigarettes, have led to other states considering the same...

Mar 28, 2014

Where You Can Use Electronic Cigarettes, Depends on Where You Stand

State legislators across the United States are feeling the heat to distinguish e-cigs from combustible cigarettes that use tobacco. In Tennessee a battle is raging over if and how to regulate e-cigarettes, a new alternative to smoking traditional cigarettes, whose popularity has led to a booming “vaping” culture and staggering profits. Wells Fargo Securities analyst Bonnie Herzog, says that the...

Mar 28, 2014

Merchants Believe It Is Up To Them to Prevent Fraud

The upcoming of MasterCard and Visa (EMV) chip and pin cards to the U.S. has many American merchants worried about the inevitable shift of credit and debit card fraud from the point of sale to online channels. EMV cards, while highly effective in thwarting counterfeiting and related card-present fraud, offer no more fraud protection on the Internet than the magnetic-stripe...

Mar 28, 2014

Why eMerchantBroker is the Best High Risk Merchant Account Provider

What are you looking for in a merchant service program? Do you need a better residual split and a phenomenal free equipment program? Are you looking for a company that provides bonuses and residues? Perhaps you are just looking for the best. Regardless of your situation, is the right choice for you. is changing the way business owners...

Mar 28, 2014

POS Makers Prep for 2015 Card Changes

With as many as 5 million mobile point-of-sale readers in circulation in the United States, mobile POS companies will have their hands full following the liability shift set for October 2015 when the nation’s payment card networks step up the migration to the MasterCard-Visa chip and pin system. While this change is fantastic for security reasons, there are sure to...

Mar 27, 2014

The Ease of Mobile Payments

Do you remember the good ol’ days of shopping with a credit card? Those days when it took a long time to check out, and clerk had to verify your signature, and check your driver’s license. This does not happen much anymore; in fact, at some retailers if you have previously used your card they do not ask for your...

Mar 27, 2014

The Not-So-Clear Future of Mobile Payments

For a while there has been a bit of a battle between QR codes (those little codes that you can with your smartphone to tell you information) and NFC Chips. As with most things, eventually one will come out ahead, leaving the competitor in the dust. However, thanks to technological advances, the winner may not be as clear as once...

Mar 27, 2014

Outsmarting Cyber Criminals

Cyber criminals and data hackers are constantly finding new ways to defeat retailers’ data security and fraud prevention systems. Sometimes these criminals come in a swipe thousands of dollars at once, or just a few dollars. Regardless of the amount stolen, the fact is that it should not happen. However, there are new technologies on the horizon to help stop...

Mar 26, 2014

E-Cigs are not going out Just Yet

Last month, CVS decided to wind down its cigarette sales as the drug chain focuses more on being a health company. Selling a consumer product responsible for nearly 500,000 American deaths each year goes against their moral code. While this may be financially terrible for CVS, it is fantastic for the public at large. It is also fantastic for E-Cigs,...

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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