Jul 18, 2014

Bad Credit is Risky Business

Not Two Peas in a Pod Like oil and water, a bad credit history and an entrepreneur spirit just do not mix. Unless, that is, you have the tools and the know-how to work on improving your credit rating, while still pursuing your dream of starting up a new business. A new business venture usually requires a great deal of...

Jul 16, 2014

Understanding Chargebacks and How They Affect Your Credit Repair Business

Whilst many companies have to deal with chargebacks, these are when a merchant, whose customers have queried a charge on their credit or debit card account. If you are a credit repair merchant account user, this can have problems in the long-term with trying to repair a person’s credit rating if they are experiencing problems or disputing the costs of...

Jun 13, 2014

Where to Find a Merchant Account for Your Credit Repair Business

Credit repair businesses are hot right now, thanks in part to the lax economy. However, while they are big moneymakers, it can be tough to find a merchant account processor that specializes in these companies. While it may be hard, it is not impossible. In today’s market, bad credit is common, so there are many credit repair companies that have...

May 09, 2014

Do I Need a Credit Repair Merchant Account?

Credit repair is something that many people get themselves. It is important for people to feel in control of their financial situations. When a person has trouble with bankruptcy, or has damaged credit or outstanding bills they tend to look for way your repair their credit. It can be complicated to begin a new business. There are some businesses that...

Apr 04, 2014

How to find a Merchant Account for a Credit Repair Business

Having a credit repair business can be financially rewarding. However, finding a merchant account processor that deals with credit repair businesses is difficult. Finding one that has reasonable fees is even more difficult, but with thorough research, it can be done. Credit repair businesses are considered high-risk businesses, and many merchant account processors turn up their nose at businesses considered...

Nov 04, 2013

Even if you have bad credit, you can get a merchant account

Just because your past credit is not the most precious thing in the jewelry box, doesn’t mean it can’t be shined up and polished into a diamond. Meaning, don’t let it haunt you. Most honest people that want to become business owners, or already are a business owner, have a past. Everyone does and it can only mean, you get...

Oct 22, 2013

The Easiest Way To Acquire a Credit Repair Merchant Account

Getting a merchant account is as simple as filling out their paperwork and waiting the twenty four to forty eight hour time period for an answer. Many of the nation’s businesses are listed under the high risk designation, so if you have been placed there, don’t panic. If you have chosen to be a credit repair business, don’t shy away...

Oct 21, 2013

Is Your Credit History Haunting Your Ability To Get A Merchant Account?

It’s still not impossible to bring the dream to light. A bad credit history does not mean they took your birthday away. It just means you have some repair work to do. Before you even start looking for the merchant account servicer, you have a few things to get done. Start at the beginning and hunt down what has gone...

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 15, 2013

Need a merchant account for your credit repair company?

The merchant account processors are not the ones you knew before. Their attitudes are for the businesses and how to help them. So, you need a merchant account for your credit repair company? Let’s see how you go about that. Step 1: You will need to find a merchant account online that will work with your credit repair company. Step...

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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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