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...

Mar 28, 2014

Why eMerchantBroker is the Best High Risk Merchant Account Provider

What are you looking for in a merchant service program? Do you need a better residual split and a phenomenal free equipment program? Are you looking for a company that provides bonuses and residues? Perhaps you are just looking for the best. Regardless of your situation, eMerchantBroker.com is the right choice for you. eMerchantBroker.com is changing the way business owners...

Dec 04, 2013

How to Choose the Right Bank for Processing the Sale of Electronic Cigarettes

The popularity of electronic cigarettes is steadily growing, and many customers tend to pay with plastic instead of cash.  Your business needs to be ready for this influx of business, and by accepting credit card transactions you are one step closer. Not only will accepting credit cards help increase sales, but it can also help reduce the amount of loss...

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...

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

How to Succeed With Smart High Risk Merchant Accounts

A high risk merchant account is the best account a merchant can have if you are in the high risk pool. It doesn’t necessarily mean that you are a high risk, it just means that you have three things against you. One; you are new to the merchant servicer and two; you have no credit to your history and three;...

Sep 19, 2013

High Risk Merchant Accounts without a “Reserve”

A merchant servicer has many ways of protecting themselves. They can charge a higher interest rate, or have the customer pay into a reserve account. With a high risk account, they need to be a little more progressive, as most of our everyday businesses are in the high risk range. The merchant servicers need to protect themselves, without going overboard...

Aug 22, 2013

What to look for when applying for a high risk merchant account

A high risk merchant account compiles a list longer than most people would think. This list makes finding a merchant account a little daunting. Not what you think The high risk market involves more businesses than most consider. It covers the escort services, the gambling online and adult merchants. But it also covers things like timeshares, travel agencies and airline...

Aug 22, 2013

How to Get Approved for a Merchant Account

   A merchant account is rather easy to get, as long as you have a good credit history. It doesn’t matter who you are or where you are from, if your credit is bad, your struggle will be up hill. If you have towed the line and kept all the bills paid and covered everything from the past, you are...

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...

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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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