Feb 10, 2014

OnlyCoin: The Future of Card Payments?

OnlyCoin (or “Coin” as it is otherwise known) is an exciting start-up hoping to change the way we use card payments. The San Francisco-based team have created one electronic plastic card which is shaped like a credit card. Coin allows you to load up to eight cards onto a single plastic device and this includes your debit, credit and gym...

Nov 04, 2013

Approval Rating for Collection Agencies Seeking Credit Card Processing

You have just stepped into the high risk zone. No, there won’t be any strange music and no one will disappear into a new time zone. What you will find, is a great many high risk merchant accounts servicers that can help you get a merchant account for your collection agencies. The positive aspects of having one are many, you...

Oct 15, 2013

Collection Agency Processing Needs Handled Right

A collection agency has a tough road to hoe. The act of getting a merchant account is not as simple as it seems on paper. They fall into the high risk area of the merchant accounts and unless you can prove you have started that legitimate business, you have a lot of work ahead of you. A lot of the...

Oct 14, 2013

How to Succeed With Smart High Risk Merchant Accounts

Most of the nation’s merchant accounts operate in the high risk area. It’s not something that you should worry about. It just means that you run the risk of having chargebacks. What the heck are chargebacks you ask? Simply put, they are refunds that went awry. Let’s explain that Pretty much any business you know of will have refunds. The...

Aug 21, 2013

How Can Merchants Meet Visa CPS Requirements

  Merchants really are at the mercy of the credit card industry. They have a fee for transaction integrity or TIF, and the CPS fees or customer payment services fees, for keeping merchants and merchant accounts in line with the rules. If a merchant fails to comply with the information the companies need, then a fee is accessed based on...

Aug 15, 2013

EMV is coming, are you ready?

  What is EMV? EMV is defined as: Europay, MasterCard and Visa. It is collaboration between these 3 companies to bring consumers a new card with an integrated chip designed into the card itself. Instead of the signature and the ‘swipe strip’, it will be replaced with a smart chip to tether in fraud and theft. It will bring thievery...

Jul 11, 2013

Marketplace Fairness Act of 2013

The Marketplace Fairness Act of 2013 (MFA) was passed by the U.S. Senate on May 6, 2013 , with prediction from political observers that the Act would be passed in the House within weeks or even months. According to the White House, the tax is expected to level the field for retailers of small-business.  The tax is also expected to...

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 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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