Jun 25, 2020

What is Recurring Payment? How Your Small Business Can Benefit

How are you currently accepting payments? Are you trying to determine whether or not your business should use recurring payments? Thanks to the constant changes in payment processing to satisfy the needs and demands of customers, there are always new ways to simplify and improve the process of collecting payments. One of the most common being recurring payments. What are...

Jun 25, 2020

Is My Business High Risk? How to Still Secure Credit Card Processing

Running a small business is difficult enough without being told your business is considered “high risk”. This categorization makes it incredibly challenging to operate smoothly, secure business funding and partner with a reputable, fair payment processor. Even if you are able to find a processor willing to work with you, you will be charged higher rates and receive other undesirable...

Jun 24, 2020

Five Things About High Risk Merchants And Credit Card Processing

Safe and secure high risk credit card processing requires a high risk merchant account. When it comes to accepting credit and debit cards online, you will need a merchant account provider to act as a mediator to work with the merchant, the banks, as well as the credit card networks.  Most merchant account providers in the payments industry limit their...

Jun 24, 2020

Integrate a Payment Gateway Into Your eCommerce App

Payment gateways can manage many intricate functions in a matter of seconds. As more countries are preferring to go cashless, the preferred method of payment for most consumers is the use of both credit and debit cards. This option is fast, convenient, and more efficient than the use of cash. Although e-commerce has been on the rise in recent years,...

Jun 23, 2020

Payment Gateways Are Essential To Secure Online Transactions

Payment gateways play a vital role in eCommerce. If you have an eCommerce site, the only way to make a profit is to take credit and debit card payments online. In order for that to work, you will need the help of a payment gateway. What Is A Payment Gateway? A payment gateway is essentially a service whose primary role...

Jun 23, 2020

The Benefits Of Opening A High Risk Merchant Account

A high-risk merchant account is an invaluable tool to bolster an online presence and win more customers. A high risk merchant account is a type of payment processing account that caters to businesses that are considered high risk by banks. What makes a business high risk is the tendency of experiencing chargebacks. As a result, these high risk businesses are...

Jun 23, 2020

What Is Payment Integration?

Payment integration saves time, decreases human error, and increases cash flow. For small businesses, the ability to accept credit cards is a fundamentally important decision.  By only accepting cash as a form of payment, you will be missing out on a large portion of sales. In fact, in a 2016 consumer payment study conducted by TSYS,   found that only...

Jun 19, 2020

Visa Postpones U.S. Interchange and Fee Changes Until 2021

Interchange and fee changes are placed on hold to help the digital payments industry. Due to the massive disruptions of businesses caused by the COVID-19 pandemic, Visa made the announcement that they will delay the increase in credit card “swipe fees” until the following year, in April 2021. However, it will continue to move forward with its efforts to lower...

Jun 19, 2020

ATOs Pose Significant Threat And Merchants Are Unprepared

Merchant accounts face great vulnerability as fraudsters engage in ATO.  A survey released by Riskified, a payments and fraud solutions provider, revealed an eye-opening revelation on the devastating effects of ATO’s or Account Takeover attacks on both customers and eCommerce business owners alike.  An ATO occurs when a fraudster successfully gains access to a customer’s stored account information within an...

May 28, 2020

Establishing Your CBD Merchant Account

A CBD Merchant Account is key to staying within legal limits, offering security. What’s all the buzz about CBD oils?  You may have seen these initials scattered throughout many strip malls’ storefronts, displaying a particular green plant as their logo. Don’t worry, it’ s legal. Let’s get the 411 on this mysteriously popular product.  What Is CBD? CBD is 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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