Oct 22, 2018

Going Cashless in a High Risk Environment

Are you interested in what the future holds for payments: cashless and cashier-less? Do you need to find a reliable payment processor to apply for a high risk merchant account? This article will give answers to these questions. Modern World of Payments: High Risk Merchant Account What’s going on in the global payments world? Shifts are occurring in the ecosystem...

Oct 22, 2018

Visa, MasterCard Near swipe-fee Resolution To Close A 13-Year Old Lawsuit

After 13 years of argument, Visa and MasterCard are nearing dawn on the issue of fees charged when retailers take card payments, as leaked by a source. The two card providers and big box banks like Bank of America Corp., JPMorgan Chase & Co., and Citigroup Inc. would compensate merchants up to $6.5 billion as part of the terms of...

Oct 22, 2018

Is Krogers Decision to Stop Accepting Visa Credit Cards Right for Customers?

Kroger’s California Secondary Foods Co said it would stop accepting Visa as a payment alternative starting August 14, 2018, and it did. For the past couple of weeks, the Visa payment option has vanished from Kroger’s 26 Foods Co stores and fuel points. This move was the first significant blow from the rising concerns over approximately $90 billion paid in...

Dec 26, 2017

Debt Collection Industry and Merchant Accounts

The market research firm IBIS World reports that the debt collection industry represented a $13 billion market in the US as of May 2013. There are a bit more than 9.000 businesses in the industry that employ over 150.000 people. The majority of Americans use loans, credit cards, lines of credit to pay for their lifestyles. The overall household debt...

Dec 13, 2017

Get Real Merchant Solutions for Bitcoin

No matter you’re operating online or in a physical location using, by using Bitcoin you can enjoy significant benefits. These benefits can prove to be more significant than those associated with credit card services and other payment methods. So, it’s no surprise that many websites are now accepting Bitcoin as payment for the goods and services they offer. Moreover, the...

Dec 11, 2017

What To Do When Your Merchant Account Is Suspended

Payment processing is a crucial aspect of virtually any business. Fewer customers are carrying hard cash every day, which means that as a merchant, it is in your best interest to implement solutions that cater to cashless payments. A merchant account provider can, therefore, be your most valued business partner. But what happens when they decide cut ties with you?...

Dec 11, 2017

Understanding High-Risk Merchant Account Fees

Every business strives to keep its customers as happy and satisfied as possible. In today’s digital world, part of that means giving them the chance to choose the payment option they want when purchasing a product or service. But, although ordinary businesses may have no problem accessing cashless payment processing solutions, high-risk merchants are hardly ever as lucky. Processors often...

Dec 08, 2017

Five Key Factors Promoting the Growth of E-Commerce

The growing acceptance of the internet as a shopping tool is unlikely to slow down anytime soon. According to Forrester Research, the number of online customers will reach 270 million by the year 2020. This will apparently see the e-commerce sale value stand at a whopping $523 billion, representing a stark rise of 56 % in five years. Of course,...

Dec 07, 2017

How Much Will a High-Risk Merchant Account Cost Your Business?

In the payment processing world, some businesses and business industries are considered “risky.” If you’re one of them, you’ve probably already been turned down by a couple of processors. But, all is not lost. High-risk merchant account providers exist, and they’re out there ready to cater to your exact needs. That said, merchants seeking for high-risk payment processing typically have...

Dec 07, 2017

How to Get an Angel Investor to Fund Your High-Risk Business?

For obvious reasons, traditional money lenders are usually more willing to fund businesses that are least likely to fail. Nevertheless, just because a bank has labeled you “high-risk” doesn’t mean you can’t raise the capital you need. You still have several viable options, such as high-risk loans and merchant cash advances, grants from friends and family, crowdfunding initiatives, and 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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