Jun 14, 2019

Deceptive “Free Trial” Marketers Must Pay $9 Million-Plus for Consumer Refunds

The operators of a worldwide negative option scam admitted to deceptively promoting “risk-free” trials and then, charging the consumers full price for the items and enrolling them in long-term, automatically-renewed product plans without their consent. A court order resolving the Federal Trade Commission’s complaint requires the defendants to no longer engage in this type of scam and pay more than...

Dec 28, 2018

Continuity/Subscription Merchants: Continuity Billing Scams

Law enforcement authorities go on warning that continuity billing scams are increasing and it’s critical to take the necessary measures to avoid being victimized. Where can continuity/subscription merchants find the most reliable merchant services for their business? Just read below to know more on the topic. Continuity Billing Scams: How to Avoid Them With eCommerce being on the rise all...

Oct 02, 2017

Where to Find Pseudo-Pharmaceuticals Merchant Account Solutions

You spent months pouring blood, sweat and tears into your business only to be informed that it falls under section B5 for “Prohibited Businesses”, which reads: “Any product, service, or activity that is deceptive, unfair, predatory or prohibited by one or more Card Networks”. After investing so much time and money into your startup, you have been denied a payment...

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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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