Sep 01, 2020

AMEX Payment Processing For High-Risk Business Is Possible

Many merchants are unsure of whether American Express is the right card network to explore for catering U.S. and Canadian buyers. Some prefer other options because of pricing. Others don’t know if it’s a good option for a high-risk business. To find out more about AMEX for high risk payment processing and discover an exceptionally high risk processor, go through...

Aug 28, 2020

How to Choose a Fantasy Sports Merchant Account

Trying to find the right merchant account for your business can be an overwhelming task. Few payment processors offer merchant accounts for this industry, so how do you know you are getting the best and safest option? With fantasy football season upon us, now is the perfect time to do a little payment processor shopping. Here are a few tips...

Aug 27, 2020

Refund Rates Can Wreck Your Payment Processing

Payment Processing can become risky with an increase in refund rates. One of the many obstacles that high risk merchants have come to acknowledge is chargebacks. Chargebacks can lead to the termination of their merchant account. However, this is not the only menace that can threaten a high risk merchant’s position with acquirers. Another threat that can jeopardize their status...

Aug 26, 2020

How to Choose a Payment Processor for Your Business

A payment processor you choose for your eCommerce business plays a vitally important role.  Today’s processors offer various merchant processing capabilities, so you should research well to find the best fit for your business. This article will help you choose a payment processor to grow your business with success. How to Choose a Payment Processor When choosing a payment processor...

Aug 26, 2020

The Pandemic Effect: Growth Opportunities & Challenges facing the Dating Industry

More and more people are turning to online dating sites amid a pandemic thanks to the lockdowns and stay-indoor rules. In mid-March, websites like Dating.com announce in a Press Release in PRNewswire.com that it had recorded a surge in the number of new signups at the start of the month. But more new customers often come with excessive chargebacks, fraud and...

Aug 25, 2020

Top Merchant Industries that Can Benefit from High Risk Services

An excellent idea, good entrepreneurship skills and a strong financial backing just don’t complete the equation. One must be a big risk taker to want to venture into a high-risk business. To excel at high risk payment processing, you must identify and mitigate the risk factors plaguing your specific industry. Failure to do so can mean trouble, both legally and...

Aug 25, 2020

Payment Providers are Changing Rules: Is Your Money Safe If Payment Processing Hits Rock Bottom?

Merchants who process payments through acquirers and payment processors must worry about what would happen if payment processing faces hiccups. While losses are unlikely, the current COVID-19 recession has had negative impacts even on large financial institutions like banks and may cause panic among merchants who rely on them for various services. Payment processors are now tightening rules and making...

Aug 25, 2020

Quick & Secure eCommerce Payment Processing with Credit Cards

Collecting customer payments come with hidden security risks that an ecommerce business cannot ignore. Processing credit card payments can improve security and change how you take money from customers. Because you won’t be doing every bit of the transaction process alone, partnering with the right service provider further tightens payment security levels. How Credit Card Processing Augments Your Payment Process...

Aug 24, 2020

5 Major Benefits of Accepting Payment in Cryptocurrencies for Your Business

Crypto is growing stronger and more popular than you imagine, especially if you’ve long been caught up in other staple avenues like credit cards and eChecks. As security becomes a growing pain among customers, many would rather buy items online using crypto instead of the traditional debit and credit cards. Cryptocurrency payments offer clients the total privacy they require when...

Aug 24, 2020

5 Ways AI is Transforming the Ecommerce Experience

The answer to ecommerce success is the same as brick-and-mortar: delight your customers. Simple and straightforward, or is it? Thanks to technology, the landscape grows more and more competitive every day. How can your online business keep up, while also impressing its customers through your service? Artificial intelligence (AI) might be the answer you are looking for. Here are 5...

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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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