Jul 29, 2016

Faster Payment Challenges Around The World | Best Merchant Account Services

In countries that have lots of fewer players than the United States, accessibility and omnipresence are challenges indeed. Access by more players can make things easier and eliminate barriers. Moreover, it can also increase the work of those who deal with the application process and connections of the scheme. Payments System Around the World The Electronic Payments Association, NACHA, has...

May 27, 2014

Unnecessary Credit Card Declines Leave Consumers Unsatisfied

Businesses are turning to online retailing as an opportunity to reach more customers, to provide swift service, and to offer new products/services more quickly. There are many business challenges for those who wish to create a satisfactory customer experience. One of which is the need to prevent online fraud. More and more, people are using a variety of different Internet-connected...

Oct 27, 2013

Did Silk Road kill Bitcoin?

Silk Road, the black market online marketplace was recently shut down by the FBI and it’s operator arrested in San Francisco, CA. The story has been trending on the Internet. Most people were unaware of the website, which was an online marketplace similar to ebay or craigslist, with one major difference. The site was openly selling cocaine, lsd, crystal meth...

Oct 22, 2013

The best “bad credit” cards to look out for in 2014

No matter where you look you can find a credit card and a company looking for you. They want to make interest off you and your payments. Your goal is to locate one with low interest and fewer fees, and it probably won’t hurt one bit to have a few cash back bonus points either. If perchance you are the...

Oct 15, 2013

Need a merchant account for your credit repair company?

The merchant account processors are not the ones you knew before. Their attitudes are for the businesses and how to help them. So, you need a merchant account for your credit repair company? Let’s see how you go about that. Step 1: You will need to find a merchant account online that will work with your credit repair company. Step...

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...

Oct 14, 2013

Why you need a credit repair merchant account

Going into business takes a lot of work from you and anyone that is working with you. Time, money, effort and hours that you didn’t even know the day had. Muscles that had long ago gone stale are now sore from hours of work and worry. Don’t fret; if it’s something that you love, it all works out in the...

Oct 07, 2013

The Durbin Amendment for Online Business Merchant Account Members

Introduced by Senator Durbin in the Consumer Protection Act of 2010, it sparked a fight that has been ongoing now for almost three years. When one good thing happens, the other side- known as the credit card industry- seems to counteract whatever is done, and continues to send the costs right on down to the consumer. What it was supposed...

Oct 07, 2013

The Benefits of Opening a High Risk Merchant Account

When opening a merchant account you are doing several things for you and your business. Not only will you be able to process credit cards twenty four hours a day, (if you have that type of online business), but you get many benefits from the merchant servicer as well. As soon as you have been approved you begin reaping the...

Oct 07, 2013

Properly starting your non-profit organization

When you start your non-profit organization, you have a lot of decisions to work out. One of those is to set up your non-profit credit card processing accounts. Make certain that the merchant servicer understands that you don’t make money for profit. The fees and the account will be slightly different than the others. They understand that you are helping...

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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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