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...

Jul 24, 2013

How to process high speed credit card transactions

There are many different types of credit card terminals, also commonly known as point of sale transactions or credit card readers available to merchants who want to accept credit card payments. One notable type of credit card terminal is the Ethernet card terminal that uses an (Internet Protocol) IP to process debit and credit cards. This type of point of...

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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