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...

Sep 24, 2020

How to Launch an E-Cig Business & Set up an E-Cigarette Merchant Account

E-cigarettes are battery-powered gadgets that produce vaporized nicotine-free and nicotine solutions for users to inhale. Electronic cigarettes may be far from catching up with traditional cigarettes, but they are more popular than you can imagine. According to the PSD Center, the approximate number of grownups who vape and do electronic cigarettes will hit 55 million by 2021. Starting an e-cig...

Sep 24, 2020

How to Secure a Merchant Account for Your Escort Business

Adult-related businesses have long been marginalized when it comes to a merchant account and payment solutions. Many banks don’t want to process payments for escort services. Yet an escort service needs a secure merchant account to begin processing online payments. This type of business is categorized as a high risk for many reasons, and most financial institutions would rather stay...

Sep 17, 2020

The Payment Facilitator Approach & How it Safeguards Merchants

For a long time, payment systems did not cater enough for the small business owner’s needs. Accepting payments was a painful and costly ordeal as banks were not ready to accept most startups, even limiting the payment avenues accessible by such business. However, the dawn of new players and solutions that focus on working closely with small and medium merchants...

Sep 17, 2020

3 Ways to Safeguard Your Supplement Business and Avoid Lawsuits

It’s safe to say the supplement industry is booming. In fact, it just surpassed $120B and is projected to reach $230.7 billion by 2027, according to a new report by Grand View Research Inc. The main drivers of this massive growth are the ever-increasing global obesity rate and the considerable rise of fitness centers and gymnasiums – a growing health...

Sep 04, 2020

High Risk Merchant Account Benefits

Are you a high-risk merchant facing challenges with opening a merchant account? No worries. Below, you can find all the necessary information about high risk merchant accounts and their benefits. So, let’s start. High Risk Merchant Accounts Businesses associated with higher rates of chargebacks and fraud are considered high risk. These are the basic reasons accompanied with other high risk...

Sep 01, 2020

5 Things to Consider Before Choosing Online Gaming and Gambling Payment Solutions

The worldwide gambling industry is booming, with an estimated global gross yield of nearly $500 billion in 2019 – nearly ten percent of that amount flowed through online gambling sites. The valuation of active players also reached 2.3 billion worldwide last year. Where does the U.S. sit in all of this? Despite being incredibly hesitant to embrace the industry when...

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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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