Mar 25, 2021

How Merchants Are Steadily Moving Towards Issuing

Following the devastating financial crisis, risk-averse banks responded by backing away from offering all forms of consumer lending, particularly to “mass-market” and budding middle-class customers.  However, providing merchant credit, which involves lending to consumers via retailers is even more critical for financial institutions, retailers, and their customers. More importantly, both retailers and lenders have discovered that having robust credit capabilities...

Oct 20, 2020

The Shift To Digital Payments And Accounts Holds Risk for Businesses

The Covid-19 outbreak has ushered in a dramatic surge in digital forms of payment. This is great news for e-Commerce businesses. However, along with the dramatic boost in online sales, there is also an equally dramatic boost in cases of fraud to contend with.  The sudden acceleration in fraud was fueled by the fear and uncertainty that millions around the...

Aug 25, 2020

Payment Providers are Changing Rules: Is Your Money Safe If Payment Processing Hits Rock Bottom?

Merchants who process payments through acquirers and payment processors must worry about what would happen if payment processing faces hiccups. While losses are unlikely, the current COVID-19 recession has had negative impacts even on large financial institutions like banks and may cause panic among merchants who rely on them for various services. Payment processors are now tightening rules and making...

Aug 25, 2020

Quick & Secure eCommerce Payment Processing with Credit Cards

Collecting customer payments come with hidden security risks that an ecommerce business cannot ignore. Processing credit card payments can improve security and change how you take money from customers. Because you won’t be doing every bit of the transaction process alone, partnering with the right service provider further tightens payment security levels. How Credit Card Processing Augments Your Payment Process...

Aug 24, 2020

5 Major Benefits of Accepting Payment in Cryptocurrencies for Your Business

Crypto is growing stronger and more popular than you imagine, especially if you’ve long been caught up in other staple avenues like credit cards and eChecks. As security becomes a growing pain among customers, many would rather buy items online using crypto instead of the traditional debit and credit cards. Cryptocurrency payments offer clients the total privacy they require when...

Aug 21, 2020

4 Ways to Integrate eCommerce into Your Small Business in 2020

The more technology has become commonplace, the more important ecommerce has become for businesses. In order to ensure long-term growth and sustainability, businesses today really need to consider incorporating ecommerce. Due to the rapid changes and challenges COVID-19 has thrust upon business owners, ecommerce options have even become critical for business survival. If your business needs an ecommerce solution to...

Aug 21, 2020

A Deeper Look at the Future for Digital and Mobile Wallets

North America has been known for their preference for plastic for some time, with credit cards being the top consumer payment method. Recently, however, the spotlight has begun to shift to mobile-payment methods. Thanks to the COVID-19 pandemic, these trends are beginning to pick up even more speed. As consumers become more open to new methods of payment, more and...

Aug 12, 2020

What Is A Payment Gateway And How Does It Work?

Online transactions have become the fastest and most advantageous way for its users to settle their payments. Thanks to the Internet, customers can be reached globally and therefore users can both buy and sell throughout the world.  The trickiest aspect of online purchases is that they are notoriously difficult to verify and can even be made in anonymity. In order...

Aug 12, 2020

Impact of COVID-19 on The Credit Card Market

Payment Systems for Credit Unions or (PSCU), in an effort to determine the COVID-19 pandemic’s impact on both shopping trends and consumer spending, issued data that reflected the decline of U.S. card growth rates for the week ending in June 28, 2020. All debit card purchases went back to a “negative growth”. As per a statement from Glynn Frechette, SVP...

Aug 07, 2020

WhatsApp Launches Digital Payments In Brazil

After a “closed” beta launch in India back in 2018, WhatsApp announced the launch of digital payments in Brazil. According to WhatsApp’s blog, users will be able to safely send money or purchase something from a local business without having to leave the chat feature.  Brazil is the second-largest market after India, with over 120 million “individual users”.  With more...

Award winning.

  • 2012
  • 2013
  • 2014
  • 2015
  • 2016

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.

Live Chat