Oct 21, 2013

Is Your Credit History Haunting Your Ability To Get A Merchant Account?

It’s still not impossible to bring the dream to light. A bad credit history does not mean they took your birthday away. It just means you have some repair work to do. Before you even start looking for the merchant account servicer, you have a few things to get done. Start at the beginning and hunt down what has gone...

Oct 14, 2013

Been denied a Virtual Terminal by PayPal?

Not everyone gets the window dressing with PayPal. A lot of people that go after a merchant account have an uphill climb. If you are after an account that has a not-so-reputable reputation, then it makes it even harder. If by chance you are working towards a Credit Repair Merchant Account then you are going to need to go through...

Oct 14, 2013

Why you need a credit repair merchant account

Going into business takes a lot of work from you and anyone that is working with you. Time, money, effort and hours that you didn’t even know the day had. Muscles that had long ago gone stale are now sore from hours of work and worry. Don’t fret; if it’s something that you love, it all works out in the...

Sep 24, 2013

How to get a Merchant Account for a credit repair agency

Merchant accounts are designed to process the credit card and debit card transactions for your business. If you don’t have a merchant account, it’s the next logical step for the convenience of your customers. Not only can they pay you twenty four hours a day, but with the flick of a key or a touch of the pad, you will...

Sep 24, 2013

How do you get an adult dating merchant account set up with low fees

You’ve decided to set up an adult dating site and you need a way to get your credit and debit cards processed. Your next step will be to find the best merchant account servicer you can find. You will be sifting through thousands of places and you must know, the industry you have chosen to go into, is lucrative, but...

Sep 19, 2013

How to get a merchant account when your on the TMF list

The TMF list, better known as the Terminated Merchant File, is not necessarily the end of the line for a merchant account. First you must identify if you deserve to be on the TMF list, and if you don’t, then you have some major work ahead. First things first You will need to return to the scene of the crime,...

Sep 19, 2013

High Risk Merchant Accounts without a “Reserve”

A merchant servicer has many ways of protecting themselves. They can charge a higher interest rate, or have the customer pay into a reserve account. With a high risk account, they need to be a little more progressive, as most of our everyday businesses are in the high risk range. The merchant servicers need to protect themselves, without going overboard...

Aug 29, 2013

What Is Credit Repair Merchant Account?

Each year the demand for credit repair services increases exponentially as millions of new customers have inaccuracies or poor credit on their credit reports, do not understand the credit reporting system and seek help to improve their credit. Credit repair services have the extensive training and knowledge to help improve the credit of their customers by giving them straightforward answers...

Aug 22, 2013

How to Get Approved for a Merchant Account

   A merchant account is rather easy to get, as long as you have a good credit history. It doesn’t matter who you are or where you are from, if your credit is bad, your struggle will be up hill. If you have towed the line and kept all the bills paid and covered everything from the past, you are...

Aug 21, 2013

How Can Merchants Meet Visa CPS Requirements

  Merchants really are at the mercy of the credit card industry. They have a fee for transaction integrity or TIF, and the CPS fees or customer payment services fees, for keeping merchants and merchant accounts in line with the rules. If a merchant fails to comply with the information the companies need, then a fee is accessed based on...

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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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