Jun 09, 2017

Why It’s Hard To Get Credit Card Processing For Online Adult Services

Merchant account services enable a business to accept credit and debit card payments from their customers. Without a merchant account, your business won’t be able to transfer funds from card issuing banks to your business bank account. Merchant account services include payment processing for various types of businesses, including MOTO (mail order/telephone order), retail, Internet and high risk. Online adult...

Apr 27, 2017

Do You Know What Questions To Ask Your Credit Card Processor?

If you’re running a business, you’ll need to accept credit/debit cards. This means you should hire a third-party processing firm, which is known as merchant account providers or aggregators, that will manage the transaction between you and the card issuers. Before you could choose a credit card processor for your business, you should know the right questions to ask. If...

Feb 17, 2017

Why Accepting Credit Cards is Essential to Your High Risk Business

A merchant not accepting credit cards in today’s age and time loses a lot regarding sales and profits. Many customers see credit cards as a safer, less cumbersome way of carrying large amounts of cash and making purchases. If your business doesn’t give them the option, they’d rather move to your competitor than adhere to the alternative payment choices you...

Feb 06, 2017

Missing More Card Payments | Increased Card Usage

Credit bureau TransUnion, an American company that provides credit information and information management services has recently reported missed payments on credit cards issued by lenders are higher than on older cards. Credit Card Processing Almost 3% of outstanding balances on credit cards given out in 2015 were at least 90 days behind on payments 6 months after they were originated....

Dec 19, 2016

The Current State Of Credit Card Processing And What To Expect in The Future

According to BI Intelligence, Business Insider’s premium research service, the online processing market in the US will count for about $10.7 billion in 2016. With online shopping becoming more popular, this number is expected to reach $17.5 billion in 2020. Credit Card Processing Methods in the Present Below you can find the current methods of credit card processing: Credit Card...

Oct 26, 2016

Which Major Credit Cards Should Your Business Process?

The credit card industry is booming in the United States, but is only dominated by a handful of companies. As of mid-2016, American consumers were approaching $1 trillion in credit card debt. The top 10 credit card issuers issued almost 90 percent of all credit cards given to consumers in the U.S. General Purpose credit card spending has grown by...

Aug 15, 2016

Credit Card Processing With Bad Credit

If you are going to start a business, it won’t be easy to find the necessary funds if you have a poor personal credit history. It won’t be easy, but it is doable. There are a number of ways you can use to take your business off the ground even if you have bad credit. Below you can find 7...

Apr 26, 2016

Payment Options For Businesses Declared As High Risk

Businesses labeled as high risk should choose a payment processor with exceptional attention. Since high-risk businesses are associated with higher rates of chargebacks and disputes, only true professionals in the field can help merchants avoid payment transaction fraud and reduce chargebacks. Need a Reliable Merchant Account Provider? You are at the right place! EMB is voted the number one high risk...

Feb 29, 2016

Credit Card Processing for Accepting Non-Profits

Running a successful business is tough, and some say that running a successful nonprofit it tougher. Nothing is worse than having a great idea for a non-profit, and being clueless as to how to get started, and afterwards how to grow it. 2016 is here, and it is the perfect time to realize your dreams of operating a non-profit. However,...

Jan 13, 2016

CREDIT CARD PROCESSING MISTAKES TO AVOID

“Recognize that there will be failures, and acknowledge that there will be obstacles. But you will learn from your mistakes and the mistakes of others, for there is very little learning in success.” – Michael Dell Merchants should be well aware of both deceptive practices and good options in the field so to reach success. It is extremely important to...

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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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