Jun 22, 2017

Get Your Debt Collection High Risk Merchant Account

Debt collection has been growing in the recent years with the average US household debt rising to more than $130.000. Quite naturally, the most important role of a debt collection business is to be able to collect payment from clients. It’s important to note that the collections industry is still viewed as high risk by traditional banks and other financial...

Oct 28, 2016

CFPB Released Outline Regarding Debt Collection Industry

The process of collecting debts can be tricky to newcomers. It is generally unfavorable to startups as well. Traditional banks and many credit processing providers will stay away from you if you do not provide a thorough credit history. Inconsistent revenue streams are also an obstacle hindering the application process for merchant accounts. CFPB Reveals an Outline On July 28,...

Apr 19, 2016

Federal Oversight Of Debt Collection Agencies Draws a Lawsuit

The National Consumer Law Center (NCLC) and the American Civil Liberties Union (ACLU) have recently filed a lawsuit against the US Department of Education. They requested the documents that showed the process of collecting student loan debt. The Lawsuit against the Education Department According to the Federal Reserve, in the last 8 years, the total student debt has doubled, reaching...

Mar 17, 2016

New Debt Collection Rules For Merchants

Scott Walker, Wisconsin Governor, has signed a Wisconsin Consumer Act amendment. Debt collection rules and requirements are made easier and more clarified. Changes to Debt Collection Laws According to Assembly Bill 117, debt collectors can provide less information to file a lawsuit. Importantly, only a final billing statement accurately reflects the amount owed. As for consumers, they’ll find it more...

Jan 13, 2016


“Making money is art, and working is art, and good business is the best art.” – Andy Warhol A law firm based in Waltham, Massachusetts, has been collecting debts from Massachusetts consumers through unfair and deceptive practices for the last years. Attorney General Maura Healey has filed a lawsuit against the firm in Suffolk Superior Court. Healey Sues Waltham Law...

Dec 30, 2015

Will Debt Collectors Collect Taxes?

Is your small business behind on tax payments? Pretty soon you may get a call from a private debt collector instead of the IRS. A highway bill was released last week with a provision that forces the IRS to use certain private companies to collect taxes. This debt-collection provision is attached to a $305 billion, five-year highway bill. The Senate...

Nov 18, 2015

JPMorgan Chase Settles with California Debtors

California debtors who filed a class-action lawsuit against JPMorgan Chase for unfair collecting practices can rest a little easier tonight. The company has settled the dispute for $100 million US dollars. This suit was brought forth in 2013, and it is sending a huge message to others in the collections industry. While the majority in the industry are reputable, some...

Oct 01, 2015

How New Technology Can Increase Debt Collection Profits

Medical collection agencies are always looking for new ways to raise their collection rates. A great collection agency must find new and innovative ways to create positive relationships with their clients and increase profits. If you own a collection agency, know that you don’t have to settle for call lists or mail notices. Technology has made it easier for collection...

Aug 27, 2015

Senate Considers Using Private Debt Collection Agencies to Control Debt

A recent Government Accountability Office report states that the IRS’ uncollected tax debts rose 23% to $380 billion, while collection staff fell 23% after budget cuts. The report infers that the agency has too few controls over its tax collection process. It depends greatly on the Inventory Delivery System (IDS) which is the automated tax collection process. The IDS organizes...

Jul 20, 2015

Victims of Debt Collections Scam Get $4 Million

Debt collections scams are on the rise, and it was recently announces that nearly 95,000 victims will split an estimated $4 million US dollars in damages. The Federal Trade Commission is cracking down on these scams, which seem to be more prolific these days. From small schemes, to the recent Honda credit repair scam, merchants and consumers need to heed...

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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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