Jan 29, 2023

ACH payment processing

Streamline Your Transactions and Boost Your Business with ACH Payment Processing When you first started your business, you probably focused on getting customers into the store. But now that they’re there, it’s important to make sure they have a great experience while shopping with you.  That means making sure the payments process goes smoothly and easily for them. Especially, if...

Jan 29, 2023

If You’re A Merchant, You Need to Make Sure You Have the Appropriate Accounts and Services.

Apply for An Online Merchant Account  Merchant accounts are required for businesses to accept both credit and debit payments. These financial accounts play the valuable role of letting funds be transferred from card-issuing banks   How We Can Help With Merchant Accounts Merchant accounts are vital for any business that works exclusively online. Some reasons why merchant accounts are necessary include:...

Jan 29, 2023

Save your Business Money And Trouble By Using the Best Chargeback Protection Platform

Best Chargeback Protection Platform Chargebacks are created when customers file disputes with their financial entity concerning either a credit or debit card transaction. Merchants are routinely left out of disputes. Data even suggests that in 58% of cases, merchants are never notified about chargebacks. The Impact of Chargebacks Whenever a customer contacts a credit card company about charges, merchants are...

Jan 29, 2023

Innovative Cryptocurrency Payments Offer Merchants Various Advantages

How to Select a Cryptocurrency Payment Provider Many people new to the subject often ask exactly what cryptocurrency is. The answer is that cryptocurrency is a digital payment type with its details controlled by a decentralized system of various computers instead of one central source. The term, “cryptocurrency”, refers to the various encryption techniques utilized to ensure network security.  A...

Jan 29, 2023

Merchant Account Providers: How To Choose The Best Provider

Merchant Account Providers: How To Choose The Best Provider As payment options are growing and changing and customer preferences change, merchant account providers offer convenient payment options that your customers prefer. Merchant account providers give you the opportunity to process credit cards, mobile payments, and more. Merchant accounts are critical to the smooth operation of your business and providing an...

Jan 29, 2023

Payment Processing Services: How They Benefit Your Business

Payment Processing Services: How They Benefit Your Business Behind every successful business are gateway payment services. Payment processors ensure that transactions are carried out quickly and make the customer experience more manageable. Although a credit card transaction can seem simple, it is a more complicated process involving payment gateways, the customer’s bank, and the merchant’s account. All this communication happens...

Jan 23, 2023

How to Get a Merchant Account For Your Travel Business.

Qualified Accounts for a Travel Merchant Account  Travel is an essential part of life that millions of people across the globe have come to accept as commonplace. Whether the travel is for business or leisure, those who can and want to travel are proactive in booking a hotel room or securing that flight ticket. From relaxing cruise line vacations through...

Jan 23, 2023

Bad Credit Merchant Account Providers: Do You Need One?

What to Know & How to Know If You Need One If your business is struggling with poor credit, you’ve likely been turned down for a merchant account by your standard, low-risk provider — but don’t worry. In fact, 39% of businesses are known as “ghosts”, meaning they have suboptimal credit scores or zero revolving trade accounts. We’ll explore the...

Jan 16, 2023

How Does Small Business Payment Processing Work?

An In-depth Guide to Small Business Payment Processing Managing a small business’s transactions can be a daunting task. Everything presents its own set of difficulties, from keeping your accounting books in order to managing your credit card payment processing. As a result, it’s essential to understand how to make the most of the tools provided by your current payment processing...

Jan 16, 2023

Offshore High-Risk Merchant Account Providers: Why You Need One

Offshore High-Risk Merchant Account Providers: Why You Need One A high-risk merchant account is a way that merchants can process credit cards online so they can accept payments. There are many providers of offshore high-risk merchant accounts. The difference between a high-risk merchant account and an offshore high-risk merchant account depends on the provider.  If you choose to get an...

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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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