Aug 13, 2019

Payment Processing for Continuity Subscription Merchants

The continuity economy is among the most successful business structures. However, the high risk nature of continuity subscription businesses makes merchants look for high risk payment professionals that can help them grow their business with ease. This article will help you discover more about these businesses, as well as will help continuity subscription merchants avoid having a harder time opening...

Aug 13, 2019

EMB Payment Gateway’s

If your customers have no option to pay you online, you’re risking to fall behind the competition in the eCommerce market. So, it’s high time you applied to a reputable payment processor for reliable and low cost merchant services that’ll allow you to accept payments over the internet. EMB payment gateway is among the services to consider. Let’s move forward...

Aug 13, 2019

Get the Right Bitcoin Merchant Account That Fits Your Business Needs

Today’s payments industry is competing with traditional financial systems, but it’s already clear that amazingly flexible digital currency Bitcoin isn’t going to disappear any time soon. Bitcoin is changing and will continue to change people’s lives to a greater extent. If you’re a merchant interested in a reliable and low cost Bitcoin merchant account, you’re at the right place. The...

Aug 12, 2019

Are eChecks Safe | How eChecks Work and What Benefits They Have

The digital payment processing field is becoming more and more crowded. So, it’s no surprise that electronic payment processing methods like eChecks are gaining more traction with businesses and consumers all over the world. What many people often ask is “are eChecks safe?” To find out if electronic checks are safe and discover an exceptional eCheck payment processing provider, just...

Jul 17, 2019

Online Fraud Prevention – Where to Start

Maintaining any business is a bit of juggling act. Online merchants often face even greater challenges because they face more incidents of true fraud and friendly fraud. It is critical that ecommerce merchants keep fraud in check and factor in expenses for money lost on shipping, lost products, chargeback fees, and probable losses of merchant accounts. To stay in business,...

Jul 16, 2019

How Does Merchant Account Load Balancing Work

Merchant account load balancing gives merchants the ability to divide transactions across multiple accounts. It is an account management tool that helps merchants minimize risk and increase processing volumes. Preparing for Challenges Frozen or terminated merchant accounts can dramatically impact your bottom line. Load balancing helps. By juggling transactions across a few merchant accounts, you can still can continue to...

Jul 11, 2019

Twitter Changed Payments Thanks to Square’s Evolution

When Square, the San Francisco-based financial services and mobile payment company co-founded by Twitter founder, Jack Dorsey, launched in 2010, many didn’t realize the profound effect it would have on the payments industry. Though it gave the smallest sellers, like jewelry vendors and other sole entrepreneurs, their first chances to accept credit card payments on the fly, a number of...

Jul 10, 2019

Number of ACH Fraud Incidents Continue to Climb

ACH credit fraud has steadily climbed since 2016, according to the most recent annual fraud report from the Association for Financial Professionals (AFP). In both 2015 and 2016, the number of cases of ACH credit fraud was at 11%. In 2017, the number rose to 13%. Last year, the number climbed to a whopping 20%, according to the survey, which...

Jul 01, 2019

Canada and UK Leading the Way in Contactless Card Payment Adoption

In the United States, the total number of contactless debit and credit transactions for general purchases are in the single digits. The nation can’t match the numbers in Canada and the United Kingdom. A Deeper Look at the Numbers in the UK and Canada In the UK, almost 30% of all credit and debit card transactions were made using all...

May 31, 2019

Tips for Fighting Chargebacks for Digital Goods

Having the option to pay even more ways for digital goods, like music streaming and news subscriptions, has created new obstacles for merchants. Customers love the convenience and 24-hour access to services, but merchants are having to deal with an uptick in friendly fraud, as well as the newer challenge of family fraud. Friendly Fraud vs. Family Fraud Friendly fraud...

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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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