Aug 21, 2013

American’s are slowly finding their way out of credit card debt

When our economy crashed, it was like watching a slow moving train travel from one end to the other, as it affected people over and over. We watched as some lost their jobs, others their houses and less important was the credit we suffered over. Some through up their hands and walked away. Others dug deep and refused to give...

Aug 15, 2013

Finding that good Merchant Account with bad credit

Our country as a whole runs on the plastic industry. We swipe our cards wherever we go, from our groceries to our movies. It is an inconceivable thought to run a business without some sort of card reader, and a merchant account with someone to process those sales. As long as you have a modicum of decent credit, you should...

Aug 15, 2013

Tips for starting an online business

There are so many places to look for tips and how to start an online business. Of course, yours is unique and it should be, because you are about to start it. Your online presence is going to be busy and there are so many steps, and the fun part is, finding a way to stand out in a crowd...

Aug 15, 2013

What is PCI Compliance and is it a scam?

Thousands of merchant’s everyday swipe cards for us and with that, comes a great responsibility. Our information is in the hands of merchants that must comply with the rules set forth by the PCI or Payment Card Industry. The rules are in place to protect the card users and insure, for public safety, that our personal information, as well as...

Aug 07, 2013

How to get the lowest rate for a high risk merchant account

What is a high risk business: There’s a great deal to consider before setting up a business and the most fundamental aspect of planning a new business is to understand the risk your business is associated with. Numerous variables such as the industry profile, business model, products and services offered, financial stability and longevity of the type of business help...

Jul 24, 2013

Why are online firearms merchant accounts considered high risk?

The online Gun business is one that is not understood by many, including acquiring banks. It’s this element of not being understood that this type of business finds itself being categorized as a high risk business venture. A merchant account for firearms is exactly what firearms businesses need to be able to accept payments via credit cards. With the acquisition...

Jul 16, 2013

What is “3d Secure” and “Verified by Visa” and do you need it?

“Verified by Visa” “Verified by Visa” is an online security application developed by Visa for purposes preventing fraudulent transactions. The application requires a card holder to protect their card with a PIN number, which would ordinarily be asked during the checkout process for authentication purposes. “Verified by Visa” is also commonly referred to as “3d Secure” simply involves the card...

Jul 16, 2013

Using Multiple Merchant Accounts For Your Online E-cig Store

Electronic cigarette merchants usually struggle with finding acquiring banks and credit card processing  companies to work with. Many card processing companies and acquiring banks are not familiar with this  industry, leading to electronic cigarettes merchant accounts being categorized as high risk. Electronic cigarette merchants are known to operate multiple accounts so as to be able to accept high sales  that...

Jul 11, 2013

Marketplace Fairness Act of 2013

The Marketplace Fairness Act of 2013 (MFA) was passed by the U.S. Senate on May 6, 2013 , with prediction from political observers that the Act would be passed in the House within weeks or even months. According to the White House, the tax is expected to level the field for retailers of small-business.  The tax is also expected to...

Feb 28, 2012

How to Find the Lowest Rates for Credit Card Processing?

Lowest rate credit card processing services? As a business owner in today’s economy it’s important to cut costs, and keep a close eye on the various fees associated with processing your customers payments. A business owners should also look at other factors in regards to payment processing. Is your merchant provider depositing your funds in 24 hours, or are they...

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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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