Jul 29, 2022

Transforming The Payment Experience With Biometric Payments

With the latest innovation in technology, Mastercard has released a new way to pay at the checkout line. Mastercard has launched the Biometric Checkout Program. This is a “first-of-its-kind” technology to help formulate standards for a new way to purchase, whether at a big box store or even your local mom-and-pop establishment. The program clearly defines a specific set of...

Jul 29, 2022

How To Establish A Bitcoin Merchant Account

As the forerunner of the digital currency, Bitcoin continues to make waves in the financial space, driving more usage by not only customers but also major corporations. The Rise Of Bitcoin To say that the popularity of Bitcoin and its successive counterparts has exploded is truly an understatement. In February 2021, MSN.com reported that Bitcoin’s total market cap had surpassed...

Jul 26, 2022

How To Secure An Adult Merchant Account

According to research conducted by Statista, the global website traffic data indicates that the top 3 porn sites worldwide get as many as 5.81 billion website visits every month.  What that translates is that, just on those 3 websites, there are as many as 134,491 “new” visits to these websites every minute. Gone are the days when consumers would go...

Jul 26, 2022

Adult Merchants Can Increase Sales With ACH Payments

The adult entertainment industry has seen dramatic growth, especially during the pandemic, as most citizens worldwide were required to stay home, self-quarantine, and practice social distancing.  This trend is anticipated to continue its growth in the coming years, giving the adult entertainment industry a favorable opportunity for further development.  However, adult industry merchants are notoriously marginalized when it comes to...

Jul 25, 2022

Getting Your CBD Oil Merchant Account

CBD, or cannabidiol, is an active ingredient found in marijuana. It is claimed by many users that it delivers much-needed pain relief from a host of health conditions. All of this pain relief is delivered, without “getting them high.” Users also use CBD for relief against inflammation and anxiety.  A study by investment bank Cowen & Co. projected that the...

Jul 25, 2022

Cryptocurrency vs Fiat: A Comprehensive Guide

As cryptocurrency continues to make waves across the financial industry, some wonder what is to become of traditional or fiat currency. Cryptocurrency adoption continues to grow on a worldwide scale, as more investors, entrepreneurs, consumers, and even regulators begin to accept it and use it as payment.  There have been some challenges with fiat currency when it comes to global...

Jul 25, 2022

The Benefits Of A High Risk Merchant Account

All businesses must have a way to accept payments from their customers. Especially when your business is an e-commerce or online business. If your business is entirely online, then that means that you will be completely dependent on card-not-present transactions. And this means that you are going to need a merchant account to process those credit and debit card payments. ...

Jul 25, 2022

Is Chargeback Prevention in Real-Time Possible?

Chargebacks were originally instituted so that consumers can confidently enter their credit card information to make their purchases online, risk-free. They have the option of getting their money back if anything was off or if they were unsatisfied with their purchase.  However, in the last few years, consumers have been taking advantage of chargebacks, initiating them for reasons outside the...

Jul 25, 2022

Discovering High-Risk Merchant Accounts

If you are a business that has been categorized as high risk, then you will already be familiar with the difficulty and complexity of obtaining payment processing services from banks and other providers.  Why is it so difficult? It has to do with risk. This risk can be in the form of experiencing higher than usual chargebacks, as well as...

Jul 25, 2022

How High-Risk ACH Transactions Work

Credit cards have long been held as the preferred form of payment by consumers. Businesses prefer them as they do not have to worry about paperwork, bookkeeping, or tracking payments.  Although credit cards are the ideal form of payment that can streamline the payment process for both businesses and customers alike, not all businesses will be approved for a credit...

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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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