Mar 26, 2021

Flaws With Fraud “Proof of Concept” And A Likely Remedy

When it comes to choosing the best and most effective fraud solution for your business,  you must determine your unique business needs first before you seek out a solution. Once you have done that, a trial needs to be performed in order to see how it interacts with your data. The only way to judge how that solution “performs” is...

Mar 25, 2021

Merchant Feedback Is Vital To Success

As the marketplace is becoming more digital, payment providers have the unique opportunity to tap into the minds of merchants in order to gain valuable feedback, significantly improving their product development.  Merchants are currently faced with an onslaught of pressure from tech-savvy consumers, especially young “digital-first shoppers”, to provide smartphone electronic wallets. Acquirers have had to scramble to find ways...

Mar 25, 2021

A Multiple-Acquirer Strategy Can Increase Conversion Rates

One sure-fire way for merchants to boost their revenue is to improve their current payment processing solutions. Merchants must know that payments, by their nature, are very much local. Every country has its own language, culture, and technology that will inevitably dictate how payments are processed.  Therefore, a key strategy to maximize conversions and approvals, as well as tapping into...

Mar 25, 2021

Consumers And Businesses Increasingly Adopting P2P Payments

The COVID-19 pandemic has forced many banking customers to convert themselves into “reluctant first-time users” of exclusive digital banking.  A steady rise in the use of peer-to-peer (P2P) payments has been evident long before the pandemic outbreak. It was already flourishing within sectors such as e-commerce, all the way to wealth management. P2P’s Increased Use By Consumers and Businesses In...

Jan 12, 2021

Integrated Payables Boosts Fraud Prevention And Efficiency

Integrated payables is a system that simplifies the payment process that enables businesses to send all of their vendor payments as a single, “online payment file” to their bank. The bank then processes and allocates the payment as per the instructions given by the business. Integrated Payables Have Benefits So what are the benefits of adopting integrated payments? Having integrated...

Jan 11, 2021

Optimizing Omnichannel Merchant Needs Via One Provider

An omnichannel retail strategy links all channels in order to provide a “fully-integrated shopping experience”. It also provides a seamless shift across all existing platforms.  Another benefit with an omnichannel strategy is that critical customer data and insight derived from several channels are brought together to create a “unified customer profile”.  Through this, the merchant is equipped to offer their...

Jan 11, 2021

B2B eCommerce Friction Between Payments And Trade Credit

Trade finance is a field within financial services that are still trapped in the outdated use of paper and legacy systems. Leaders within the FinTech industries lament that this lack of innovation is partially to blame for the approximate $1.5 million “trade finance gap” that continues to afflict the market worldwide.  As explained by Tsafrir Attar, vice president of Digitization...

Dec 16, 2020

What Exactly Is A High-Risk Merchant Account?

As an e-Commerce business, accepting both debit and credit card payments is the lifeblood of modern-day commerce. However, a merchant cannot simply take these payments without the assistance of a payment processor. This payment processor is essentially an intermediary between you, the merchant, the credit card companies, and the banks.  When you begin your research, and subsequently your search for...

Dec 16, 2020

WhatsApp Gets Approval To Launch Payments Service In India

WhatsApp, the messaging app owned by Facebook, has just received the go-ahead to launch its payment services in India. This will be available in a total of ten regional languages for both iOS and Android. It will utilize the Unified Payments Interface (UPI). Plus, all transactions will be free of charge and backed by well over 160 banks.  Why India?...

Dec 04, 2020

How Payments Orchestration Boost ROI And Cut Payment Processing Costs

As the payments world can be incredibly complex and eCommerce on a global scale continues to expand, customers are demanding straightforwardness, openness, and standardization with their payments. This can all be in the form of paying with a credit card at the point of sale, performing an international transfer, or making a transfer via mobile application. Meanwhile, small to medium-sized...

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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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