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...

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 08, 2013

How to Trim Expenses during Financially Challenging Times

There are many things you can do to trim expenses without drastically reducing your current standard of living. All you need is a little planning and forethought. This is especially important as most people today are living paycheck to paycheck with very little or no money in savings. With less money to go around, it might be hard to imagine...

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...

Feb 28, 2012

Best Place to Compare Credit Card Processing Rates

There are thousands of credit card processing companies, all offering different rates, offers and fee structures. Finding the lowest rates can seem difficult and comparing the features of companies can be difficult to, but there is hope! Comparing credit card processing rates is easy at We have dozens of credit card processors to choose from all backed by our...

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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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