Feb 17, 2020

E-Cigarette Merchants Must Comply With New FDA Policy

In January 2020, the U.S. Food and Drug Administration released a policy which focused enforcement against unauthorized flavored e-cigarette products that appeal to minors, including mint and fruit flavors. Under this new policy, any company that does not halt the manufacture, distribution, sale of this unauthorized flavored cartridge-based e-cigarettes within 30 days, will face FDA enforcement actions. HHS Secretary Alex...

Feb 06, 2020

CBD Payment Gateways Crucial For CBD Owners

A recently conducted study revealed that two of the “big-hitters” in the eCommerce space dominate and are highly favored by CBD site owners.  Shopify, Inc., one of the most popular e-commerce platforms and WooCommerce, the open source e-commerce plugin for WordPress, are the preferred platforms by CBD merchants at a 3:2 ratio, respectively. According to statistics published by data and...

Feb 06, 2020

Integrate Apps With Your Square Account

Square strives to equip merchants with all the tools they need to efficiently run their businesses. In light of this mission, it has opened up its platform to invite like-minded partners who have made it their passion to help other businesses streamline their day to day operations. These are the apps you can easily integrate with your Square account. All...

Feb 03, 2020

A PayPal Alternative For High-Risk Businesses

PayPal is without a doubt the most popular, most ubiquitous payment provider worldwide. Its impact continues to grow so much that a survey conducted by Statista indicated that in the third quarter of 2018, Paypal had amassed 254 million accounts from around the world, a far cry from its humble beginnings of only 84.3 million in the first quarter of...

Jan 29, 2020

Confronting The Digital Authentication Payments Crisis

A very complex topic that is driving the future of payments and financial services is that of authenticating the consumer.  All participants within the payment chain, from the merchant to the service provider to processor and finally to the bank, have a vested interest in ensuring that the customer initiating the transaction is the lawful user. However, the objective of...

Jan 29, 2020

Security Maturity Model and How It Works with PCI DSS Compliance

Much like small business finance, information security seems to be another neglected aspect of an organization. While many businesses implement some type of security program, unfortunately, some issues are not identified until there has been a serious breach in security. If you are a business that is unsure about where your security program stands in terms of being prepared, you...

Jan 27, 2020

Bold and Promising Predictions as the Payments Industry Welcomes a New Decade

Payments is one of the most dynamic sectors, judging by the buzz of activity we saw last year. New and more innovative ways to pay, mergers and takeovers, regulatory changes and so on. But we can’t base all our market predictions on 2019, travel a decade down memory lane and it dawns on you that much has changed— and will...

Jan 21, 2020

It’s Time the Senate Advance Cannabis Banking Reform

Committee Chair Sen. Mike Crapo has recently expressed his opinion on House-passed legislation — HR 1595: The SAFE Banking Act. The latter allows banks, and other financial companies to enter into partnership with the businesses in this industry having the state license. This blog post will tell you more about the cannabis banking reform and help you get easily approved...

Jan 20, 2020

Volatility Still Haunts the World’s Biggest Digital Currency

2019 turned to be a less wild year for Bitcoin (BTC). However, BTC is still faced with volatility, causing harm to the world’s top digital currency’s potential as a payment method. To dive deeper into the topic and know who can best help you with a Bitcoin merchant account, keep on reading this post. Bitcoin Merchant Account: What to Know...

Jan 13, 2020

Selling CBD products on Shopify

Last September, Shopify made the announcement that all US-based merchants utilizing their platform will be allowed to sell hemp-derived CBD and CBD-type of products only where it’s permitted by state and local law.  Although Shopify merchants cannot use Shopify’s payment gateways, they can take advantage of their partners Authorize.net, DigiPay, and eMerchantBroker.com, as payment gateway solutions for merchants. Forbes has...

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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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