Dec 29, 2015

Online Shoppers in Danger of Identity Theft

Scott Smith, president of, warns consumers to be careful when online shopping this holiday season. He points to a recent report by ACI Worldwide that online fraud attempts rose 30% in the last year. While total online sales are expected to be up 11% to last year (totaling $83 billion), this increased online activity is the perfect opportunity for...

Aug 28, 2015

Major Credit Scores Gap between Generations

Generation X- ages 30 to 46- is thus far the generation that has the most amount of personal debt. A new study by Experian shows that this generation has an average of $111,121 per person. On top of that, they sport a credit score of only (718), while Baby Boomers average about $101,951 worth of debt and rock a credit...

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...

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...

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...

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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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