May 22, 2015

Alternative Payment Processing is Booming, but Not All Are Created Equal

BitCoin is something that hasn’t been in the news as of late. This could be for many reasons, but one of the most significant is that it isn’t the only alternative payment source around anymore. There are currently over 100 alternative payment processing solutions, and that is just in the United States and Canada. While they may all look the...

Apr 09, 2015

Can Samsung Pay Compete in the Mobile Wallet Game?

The new Galaxy S6 and S6 Edge are equipped with more than great apps and sleek tech, they also come with a formidable mobile wallet. Samsung Pay is the dedicated mobile payment processor that utilizes LoopPay technology to allow users to pay with their smartphones. Based on magnetic stripe and radio field tech, Samsung is poised to rival Apple Pay...

Dec 15, 2014

How Alternative Payment Processors can Save the Adult Industry

The adult sector is a lucrative industry. With the invention of the internet, adult services generate billions of dollars in revenue every year. Still many adult oriented businesses have a difficult time obtaining adult merchant accounts through traditional payment processors. Porn performers and businesses are met with discrimination from online payment processors like PayPal, WePay, and Google Wallet. Many have...

Oct 22, 2014

Alternative Payment Processing With a Merchant Account from EMB

How consumers pay for merchandise is changing. Right now, the financial industry is witnessing a shift in how consumers buy their goods, which devices they use, and where they choose digital wallets over plastic. This boom in technology has left merchants and financial institutions rushing to catch up with updated protocols and security measures, however banks and other critical key...

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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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