May 27, 2015

Repair Your Credit in 4 Easy Steps

Do you know your credit score? Most people don’t monitor their credit scores closely enough. As a result, their scores are not as high as they could be due to errors and unknown debts. The credit repair industry is growing as consumers are beginning to realize how credit affects their ability to make large purchases and even apply for certain...

Apr 14, 2015

Sometimes New Technology Isn’t Best For a Credit Repair Merchant Account

Credit repair merchant accounts come with their own set of risk factors. This can be confirmed by the fact that conservative banks and traditional card processors will not give these businesses the time of day. One reason they contend is that the type of customer being helped is already on the line because they have had problems paying their bills...

Mar 18, 2015

What You Can Do To Legitimize Your Credit Repair Business

Tax season is also the season when many check their credit scores. While there are many legitimate websites and services, some are not, and those can damage the entire industry. Credit repair agencies are who people turn to when they need to get their spending in check, pay down debt, and otherwise strengthen their credit score. You do not have...

Feb 13, 2015

Why Should a Credit Repair Company be Considered High Risk?

It almost seems like an oxymoron. Credit repair equals a high risk merchant account. How can someone who is trying to help an individual repair his credit be considered a high risk business? It is not that the business owner is high risk. It is more that the individuals he has as clients are considered a high risk. Those entertaining...

Jan 30, 2015

2014: The Year of the Data Breach

Data breaches have continually been in the news over the last year. From Target to Neiman Marcus, consumers have been flooded with reports of their sensitive information being compromised. When Target’s POS system was hacked, it instigated consumer rage and a series of Congressional hearings investigating weaknesses in data security. Now in the wake of the most recent Home Depot...

Nov 25, 2014

How Your Credit Repair Business Will Benefit From a Credit Repair Merchant Account

Helping others when they have found themselves with credit difficulties is a rewarding business opportunity. Not only does it allow a way to help others, it can help to pay your bills and overheads too, because you charge a fee for your services. The important areas to consider are how your customers will pay you for your services helping to...

Oct 16, 2014

Tokenization is a Varied Subject in the Credit Repair Merchant Account Industry

Tokenization is still a varied topic in the payment industry. Some consider it to be a taboo subject, while others are embracing it with open arms. The fact is, only time will tell what really happens with token payments. However, Apple is helping push the argument into the mainstream, thanks to their newly implemented “Apple Pay” system. While not everyone...

Sep 10, 2014

You Can Open a Credit Repair Merchant Account Without Prior Processing History!

With the way the credit industry has suffered these last few years, many are very happy to see new credit repair merchants entering the arena. Consumers are happy as well. Having one smaller bill to pay every month is better than 10 or 15 accounts that will barely see the minimum payment. Credit issuers, whether branded or unbranded credit cards...

Aug 12, 2014

The CFPB Begins Taking Complaints on Debt Settlement and Credit Repair

  How the CFPB Works The Consumer Financial Protection Bureau (CFPB) began operations in July 2011, and takes complaints about a wide range of financial services including credit cards, mortgages, bank accounts and services, private student loans, auto and other consumer loans, credit reporting, debt collection, payday loans, and money transfers. On July 21, 2014, the CFPB announced that it...

Aug 08, 2014

Credit Default Rates Decline

Since the economic crisis of 2008 the economy has been slowly recovering. The latest data shows that the economy is continuing to grow and perhaps is getting stronger, coming close to reaching pre-crisis levels. In fact the Credit Default Indices show a decline in default rates. The S&P Dow Jones/Experian Credit Default Indices, which measures the changes in consumer credit...

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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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