Mar 29, 2019

New Walmart Deal Proves Consumer Financing on an Upswing

Consumer Finance at the Point of Sale Takes a Big Step Ahead As Affirm Clinches a Walmart Deal – New Walmart Deal Proves Consumer Financing on an Upswing Lending startup Affirm Inc. clinched a deal to offer its instant-financing option to major retailer, Walmart Inc. Though Affirm has already signed up more than 2,000 merchants to accept its consumer point-of-sale...

Mar 29, 2019

Fraud and Rise in Fintechs Trigger UK Real-Time Payment Changes

The U.K. is answering the call for real-time payment reforms due to shifts, including a major increase in digital payments, competition from non-traditional lenders, and fraud, in the payments industry. In response to all of the ever-evolving industry, The Bank of England will upgrade the U.K.’s Real-Time Gross Settlement (RTGS) system. In a completely separate move, Pay.UK, the country’s payments...

Mar 21, 2019

Mexico’s Real-Time Payments May Stiff Card Issuers and Acquirers

Banxico, the central bank in Mexico, will launch the pilot phase of its free mobile payment system. The system, which aims to increase digital transaction, provide greater access to banking to underserved communities, and move the country toward a cashless economy, allows payments at participating bricks-and-mortar and online stores via QR codes. The system, known as Cobro Digital (CoDi), aims...

Mar 21, 2019

80% Drop in Counterfeit Credit Card Fraud Due to Chip Technology

Card present counterfeit payment fraud at chip-enabled merchants dropped 80%, since the U.S. payment industry shifted to these types of cards. In 2011, Visa led the industry by moving to EMV (Europay, MasterCard, and Visa) chip cards. Four years later, widespread adoption of chip technology occurred because it was known to be effective at reducing counterfeit fraud in other countries....

Mar 19, 2019

What Merchants Need to Know As Contactless Cards Blow Up

At the heels of Visa’s decision to move to contactless cards in the U.S., MasterCard is following suit. As the momentum for contactless payments grows, MasterCard sought and received commitments from issuers to produce contactless cards within the next two years. Those issuers include Citibank, Capital One, KeyBank, Santander and HSBC. It also is working with FIS to bring contactless...

Mar 19, 2019

Make More Sales With Strong E-Commerce Product Descriptions

When describing products, you need to use language that entices customers to buy. That’s why the way you craft e-commerce product descriptions matter. If they merely explain items, but do not trigger customers to buy, then you need to start re-writing. Before you put fingers to keys, check out these ways to persuade visitors with e-commerce product descriptions that sell....

Mar 19, 2019

Visa Saw Spike in Payment Volume, So Get a High Volume Merchant Account

In the quarter that ended on Dec. 31, Visa experienced payment growth of almost 11%. For the future, the credit card brand sees an increase in contactless cards and volume on its Visa Direct real-time payments service. The worldwide payment volume totaling $2.2 trillion that Visa saw was especially impressive considering the many financial troubles hitting the world during this...

Feb 26, 2019

High Risk Merchant Accounts Jeopardized by Hike in Online Synthol Sales

Businesses that the sell the potentially life-threatening site enhancement oil, synthol, are putting their high risk merchant accounts at risk. Though synthol is sold as a topical treatment often purchased by bodybuilders to boost the cosmetic appearance of muscles, many inject it into their muscles to get the most effect. If online businesses are promoting this oil as an injectable,...

Feb 26, 2019

Fake Facebook Accounts Harm Merchants’ Bottom Lines

Worldwide, Facebook has more than 2.3 billion users. The Silicon Valley social media platform has used its number of users to lure advertisers to its pages. However, it wasn’t until recently that it came to light that a staggering number of its users include fake Facebook accounts, which were set up by spammers and scanners to break the rules or...

Feb 26, 2019

Payment Industry Gets a Nudge with Push Payments

Payment providers embrace push payments as two companies announce new disbursement services Atlanta-based Repay and San Antonio, Texas-based Payment Data Systems Inc. announced this month that push payments, also referred to as buyer-initiated payments or instant funding are among their new service offerings. The companies say push payments are giving consumers the instant funding options they crave. How Push Payments...

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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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