Oct 30, 2020

Digital Banking Gaining Multitudes Of New Users

As COVID-19 has interrupted many lives and continues to do so, finances continue to be at the forefront of concern for millions around the world. With bank closings or operating at limited hours or by appointment, consumers have had to find other ways to access their funds and make their purchases.  Today, consumers are opting for digital banking in order...

Oct 30, 2020

How Consumers Are Replacing Cash in Favor of Cards

On July 20, 2020, The Strawhecker Group (TSG) and Visa Consulting and Analytics (VCA), joined forces to conduct a survey of 569 U.S. consumers to examine Visa’s spend data. The primary objective was to comprehend how the COVID-19 pandemic has affected consumer behavior, method of payment, and how habits may change post-pandemic.  The “Key Takeaways” that were highlighted in the...

Oct 20, 2020

Avoid Chargebacks and Protect Your Small Business

In 1974, the Fair Credit Billing Act (FCBA) was passed as an amendment to the Truth In Lending Act. It’s objective was to protect consumers from billing practices that were unfair and to provide a means to address billing errors in credit card accounts. Although this act awarded millions of consumers a way to protect themselves from unauthorized, fraudulent, and...

Oct 19, 2020

How To Accept Cryptocurrency Payments

Worldwide interest and use in cryptocurrency can no longer be ignored. As adoption rates continue to rise, it is only natural for businesses to begin taking notice. It all began with the introduction of Bitcoin, the first cryptocurrency created and launched back in 2009 by Satoshi Nakamoto. It is estimated that the value of Bitcoin in 2017 had reached $180...

Oct 12, 2020

Agent Based Cryptocurrency Payments

It is no mystery that the use of cryptocurrency is gaining massive ground worldwide.  For those who are still unfamiliar, cryptocurrency is a “digital asset” that, with the use of cryptography, can be used to perform transactions securely, as well as regulate the creation of new coins.  Benefits Of Accepting Cryptocurrency For Your Business By December 2019, it has been...

Sep 29, 2020

Reliable High Risk Merchant Account for Online Dating Sites

With thousands of people looking to find their soulmate, there is definitely a huge market for online dating sites. Due to the COVID-19 pandemic, more and more singles are turning to safer options online in hopes of meeting that special someone. In fact, in 2019 alone, the online dating industry yielded over $2 billion. Even so, breaking into this industry...

Sep 29, 2020

3 Things You Should Know About High Risk Credit Card Processors

Launching a new business venture requires capital – and lots of it. Cash is needed to get things moving, hire the right team, purchase inventory, pay the bills and cover payroll. No business can operate successfully without adequate cash flow and a cash reserve. For the rapidly growing business, this is even more true. But when your industry is considered...

Sep 29, 2020

CBD Merchant Account & Credit Card Processing

Online sales are growing all around the globe. The majority of customers like making payments via credit cards, so you can’t do without online payment processing for your CBD business. This article is about obtaining a secure and cheap CBD merchant account to accept payments online.  Credit Card Processing for a CBD Business The risks associated with CBD businesses make...

Sep 25, 2020

How to Get High Risk Merchant Services for Your Adult Website

The adult entertainment industry is a multi-billion dollar industry, in the U.S. alone. But it does face its own unique set of challenges that can make it complicated to operate smoothly, despite consistently strong demand. For example, consider payment processing. Today, one of the most important elements of the customer experience is the payment process; it needs to be as...

Sep 25, 2020

A Guide to Getting the Best CBD Merchant Account

With the controversy that still follows the CBD industry around, it probably comes as little surprise that CBD products have been pushed in the high-risk category by traditional providers. Leary of the reputational risks and shaky regulations, they are simply unwilling to provide their services to CBD merchants. As a result, merchants find themselves with little to no options, and/or...

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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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