May 27, 2022

High-Risk Merchant Account: What Are They And How Do They Work?

Running a high-risk business is no walk in the park. Between navigating the higher incidences of fraud and chargebacks to being denied a merchant account, it seems like high-risk merchants are constantly having an uphill battle. But it doesn’t have to be this way. What Makes A Business High-Risk? Before we dive deeper into this article, let’s explore what categorizes...

May 18, 2022

High Risk Credit Card Processing: How Does It Work?

A high-risk business is as unique as its needs when it comes to acquiring a merchant account. A business that operates within a high-risk vertical cannot simply walk into the lobby of a bank and open a traditional merchant account. Even approaching a traditional merchant account provider is not an option. What a high-risk business needs are a high-risk merchant...

May 13, 2022

Acquiring An Online Dating Merchant Account

With the highest percentage of its population using online dating services, the United States leads the world at 15.7 percent (or close to 53 million people), according to By the end of 2022, there will be approximately 413 million users of online dating services worldwide. It is also expected to create $3.7 billion in revenue worldwide via paid subscriptions. ...

May 13, 2022

High-Risk Merchant Accounts: Can You Trust Them?

With the proliferation of high-risk verticals entering the marketing place, more merchant account providers have opened their doors to serve the needs of the growing number of high-risk merchants.  It is only via a high-risk merchant account that a merchant can process credit and debit card transactions online. They don’t have the option to open a merchant account through a...

May 13, 2022

How To Apply For A Travel Merchant Account

According to research by, revenue for the travel and tourism market is expected to hit $637.70 billion in 2022. And it is projected to hit $949.60 billion by the year 2026.  Within the travel and tourism market, it is also expected that 74% of the total revenue will be produced by online sales by the year 2026. The travel...

May 13, 2022

Tech Support Merchant Accounts: Everything You Need to Know

As companies have become increasingly dependent on technology and all things digital, it is more important than ever to have a tech support team to combat any glitches that can slow down or halt operations entirely.  Tech support companies have been meeting these needs for both companies and individuals.  However, in 2012, the Federal Trade Commission initiated a massive crackdown...

May 13, 2022

Adult Merchant Account & Payment Processor For Your Adult Business

Since the outbreak of COVID-19, many people found themselves stuck at home, with little to no personal contact with others. With their only companions being the Internet and their smartphone, customers have helped the adult industry explode as it joined forces with modern-day technology to fulfill customers’ needs. Today, the adult industry continues to be highly profitable, with some researchers...

May 12, 2022

Get An Adult Payment Gateway Solution For Your Business

Are you an adult entertainment merchant in need of a payment gateway solution? Chances are, you have tried to acquire a traditional merchant account through a bank or other payment provider and have failed. There are several reasons for that. First of all, the adult industry is considered a high-risk industry. The adult entertainment industry is filled with fraud, chargebacks,...

May 09, 2022

Crypto Offers An Alternative To Traditional Payment Processing

Merchants that have been watching payment trends know that the world of e-Commerce, as they know it, is evolving rapidly. As the popularity of online shopping continues to soar, especially post-pandemic, there is no doubt that customers want a more seamless, digital payment experience.  It was estimated that, in August 2021, there were well over 70 million blockchain wallet holders....

Apr 29, 2022

The Pros and Cons Of Chargeback Insurance

Although many merchants today will argue that chargebacks are part and parcel of running an online business, it is not something to tackle without some serious reinforcements. The negative repercussions are too great to not have a solid, strategic plan to mitigate them. Chargebacks are a substantial drain on a merchant’s finances.  It is more effective to take a proactive...

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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.