Aug 18, 2022

Getting a Credit Card Processor for a High Risk Business

To find the right high-risk credit card processor for your risky business, you need to be well equipped with knowledge. This article provides some essential points to help you come up with an exceptionally high-risk merchant account provider.  What to Look for in a High-Risk Merchant Account Provider A high-risk business is associated with a higher risk of fraud or...

Aug 12, 2022

The Definition Of A High Risk Business

High-risk businesses can really have a difficult time acquiring credit card processing solutions, business loans, and even business insurance. Payment processors prefer to work with low-risk merchants as they have a lower risk of being subjected to chargebacks and fraud. What Is A High-Risk Business? A high-risk business is a type of business that has been designated by both payment...

Aug 11, 2022

Consumers Anxious About Fraud, But Faster Payments Are Appealing

More than ever, customers are looking toward faster payments, at least, this is what was discovered by a survey conducted by the Federal Reserve Banks. What Are Faster Payments? Before we dive into the key findings of the Federal Reserve survey, let’s talk about what faster payments entail. According to the Federal Reserve, “faster payments” comprise electronic payment services that...

Aug 11, 2022

High Risk Merchant Account:What You Need To Know

A high-risk merchant account is what makes it possible for high-risk merchants to confidently accept both credit and debit card payments, without fear of excess chargebacks and fraud.  What Is A High-Risk Merchant? Before we dive into what a high-risk merchant account is, let’s explore what a high-risk merchant is.  A high-risk merchant is one that has been categorized as...

Aug 11, 2022

Securing A Payment Processor You Can Trust

As an e-commerce merchant, one of the most important and strategic decisions you have to make, outside of offering a highly-desirable product, is to choose your payment processor. In order to take any type of card payment, you will need the services of a payment processor in order to accept and process these payments quickly and securely. Since the pandemic,...

Aug 11, 2022

PayPal Operating As A Legacy Solution And Other Problems

PayPal was launched in 1998 by a group that consisted of Elon Musk and Peter Thiel.  It had its beginnings as a solution to pay for products online when most of the population was still purchasing its goods and services by paper check or cash.  Fast forward to 2021, and the company had amassed over 400 million users. Its famous...

Aug 09, 2022

Small Businesses Including P2P As Payment Method

There are two qualities that consumers want for their payments: faster and more convenience. Peer-to-Peer (P2P) mobile payments apps are making this happen as people use them to send money to both friends and family. Can businesses take advantage of this popular way to accept a payment? The answer is a definitive yes. The Challenges Small Businesses Are Facing A...

Aug 08, 2022

Integrating A Payment Gateway

If you own an e-Commerce store, it is more important than ever to offer your customers a secure, convenient, and seamless payment system at checkout.  In order for your business to accept electronic payments, processing both debit and credit cards, you will need a payment gateway.  A Payment Gateway Defined A payment gateway is a specific service that approves and...

Aug 08, 2022

Crypto Payments Will Be The Norm, According To Merchants made waves when it became the first major online retailer to accept payment in Bitcoin back in 2014. It also became the first to accept Bitcoin from around the world. It has been almost a decade and digital currencies are now more mainstream than ever.  In their study, noted that as many as 220 million people are using...

Jul 29, 2022

Fraudsters Raking It In, Earning Far More Than CEOs

Fraudsters are really cashing in on their illegal exploits. So much that Arkose Labs, a global leader in fraud deterrence and fraud security, has revealed new discoveries into the “global fraud economy.” According to the data featured in the State of Fraud and Security report, the number of “attack attempts” has escalated. Fraud “employment” has also seen a growth of...

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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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