Nov 04, 2013

Even if you have bad credit, you can get a merchant account

Just because your past credit is not the most precious thing in the jewelry box, doesn’t mean it can’t be shined up and polished into a diamond. Meaning, don’t let it haunt you. Most honest people that want to become business owners, or already are a business owner, have a past. Everyone does and it can only mean, you get...

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...

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 03, 2013

How to get a merchant account with bad credit

We may all have our financial ups and downs from time to time, but unfortunately having too much of a bad thing can get us bad credit history. And bad credit can be a potential hindrance to almost everyone who wishes to achieve or acquire something like a bank loan or a merchant account. Although everyone deserves a second chance,...

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

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...

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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 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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