May 30, 2014

EMV Moves into U.S. Market; High Risk Merchant Accounts Serve as a Solution to Growing Risks

With EMV moving in the U.S. market, the concern for fraud is now in the online sales channel. With only half of e-commerce merchants using some sort of consumer authentication program, it has never been more crucial and timely for a better understanding and implementation. According to an article by, “The main reasons reported by merchants not using consumer...

May 09, 2014

Looking at the Costs Involved for High Risk Credit Card Processing

The devil’s in the details and for high risk credit card processing the details are critical. There are multiple factors to consider when you’re setting up credit card processing. Here’s an overview of the major variables that can impact the costs of high risk credit card processing. Choosing a Merchant Services Provider This is the first step and it can...

Feb 28, 2014

POB (Point of Banking) Credit Processing for High Risk Merchants

Merchants looking for alternatives in high risk credit card processing may want to consider Point of Banking (POB) as their credit card payment processing service of choice. The difference between POB and regular credit card processing is that the customer shoulders the transaction fee as opposed to the merchant, allowing merchants to aggregate savings on each sale as opposed 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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