Oct 15, 2013

Collection Agency Processing Needs Handled Right

A collection agency has a tough road to hoe. The act of getting a merchant account is not as simple as it seems on paper. They fall into the high risk area of the merchant accounts and unless you can prove you have started that legitimate business, you have a lot of work ahead of you. A lot of the...

Oct 15, 2013

Need a merchant account for your credit repair company?

The merchant account processors are not the ones you knew before. Their attitudes are for the businesses and how to help them. So, you need a merchant account for your credit repair company? Let’s see how you go about that. Step 1: You will need to find a merchant account online that will work with your credit repair company. Step...

Oct 15, 2013

Payment Processing for Electronic Cigarette sales

As a seller of the e-cigarettes, you have many things to consider as you go into business. Cigarettes are a very popular product, and with the e-cigarettes, you need to make sure you are selling to someone that is old enough to be buying them. As well as, the part about the FDA and their regulations, so before you put...

Oct 15, 2013

The Benefits of Credit Card Processing for Collection Agencies

As you begin your new business, you have lots to worry about. For a collection agency, it is even harder than normal. Although it is a lucrative business, collecting money for other companies and businesses, it is not one of the most loved kinds of business….. ever. Start With The first thing you can do to help your business along,...

Oct 15, 2013

Choosing the right Adult Credit Card Processing Services

“Fast and easy”, “Quick and Smart”, “Overnight approval”, these are some of the terms that have been used to catch your eye on merchant account servicer websites. Don’t fall for the sales tactics. Take your time looking for the merchant account servicer that will work for your business. Let’s just say You need an adult dating merchant account. Don’t settle...

Oct 14, 2013

Is PayPal Holding Your Funds?

Some disturbing facts have come to light about PayPal and their policies with your money and release of funds. Most states have a law in place that works like this: “Every licensee or its agent shall forward all money received for transmission or give instructions committing equivalent money to the person designated by the customer within 10 days after receiving...

Oct 14, 2013

Chargeback Procedures and Fraud Prevention

A chargeback is the long drawn out version of a refund. The easiest way to deal with one: Stay on top of a request from a customer and send them the refund. They have up to six months to ask for their money back before they go for the chargeback, but it just is so much simpler to take care...

Oct 14, 2013

How to Succeed With Smart High Risk Merchant Accounts

Most of the nation’s merchant accounts operate in the high risk area. It’s not something that you should worry about. It just means that you run the risk of having chargebacks. What the heck are chargebacks you ask? Simply put, they are refunds that went awry. Let’s explain that Pretty much any business you know of will have refunds. The...

Oct 14, 2013

Been denied a Virtual Terminal by PayPal?

Not everyone gets the window dressing with PayPal. A lot of people that go after a merchant account have an uphill climb. If you are after an account that has a not-so-reputable reputation, then it makes it even harder. If by chance you are working towards a Credit Repair Merchant Account then you are going to need to go through...

Oct 14, 2013

What Security Measures to Consider When Using Mobile Credit Card Apps

Security is a requirement for any kind of electronic payment system. Even though technology continues to grow and flourish, thieves and hackers can still find a way to worm their way into your system if they are stubborn enough not to stop. Consider a few things: How much money and reputation will you lose by having someone hack your system?...

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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