Mar 17, 2016

21+ Smoking Age Vs. E-cig Industry

California lawmakers have recently voted to raise the legal age for tobacco and e-cigs use. They want e-cigarettes to be legally used and purchased at 21. The legislation has already passed the state Assembly. It would come into effect 90 days after Democratic Gov. Jerry Brown signs it. Raising Vaping Age to 21 In Hawaii, they have a higher age...

Jul 20, 2015

Attorney General to Crackdown on E-Cigs | What it Means for E-Cig Merchants?

In news that will leave most people quietly smiling, a top prosecutor has vowed to engage in a major crackdown to get e-cigarettes off the hands of school children. This comes hot on the heels of a new study which shows that use the substances among school going children in the U.S. has more than tripled. The New York Attorney...

Jun 24, 2015

E-cigarette Bill Awaiting Approval on Indiana Governor’s Desk

An e-cigarette bill for the state of Indiana has made its way to the Governor’s desk. H.B. 143 was passed April 16th with a 73-14 vote in the House. Many are anxiously waiting to see if it will be signed into law. This bill would involve the regulation of liquids that are used in electronic cigarettes. The first individual to...

Jun 16, 2015

E-Cig Merchants, Rejoice! The First Certified Organic Vapes are Now Available

Electronic cigarette merchant accounts are going to be in even more high demand, since America’s first ever certified organic vapes are now available. Of course, the jury is still out on vape safety, but right now they do seem to be the best bet when someone wants to give up regular tobacco cigarettes, but still keep the “smoking” habit. Outside...

May 11, 2015

Will Regulation Stop E-Cig Growth?

Electronic cigarettes are becoming extremely popular in the United States and around the world, as the FDA teeters on regulation for the billion dollar industry. Right now the FDA and other organizations are running studies to test the health effects of e-cigs. Until the FDA enacts federal regulation, how to treat e-cigs has been left up to each individual state....

Aug 08, 2014

E-cigs – An Exploding Industry

Electronic cigarette sales have been exploding across the United States. By 2017 they are expected to reach over $10 billion annually. Though there is much debate regarding the regulation and distribution, parties on both sides of the fence can see that the economy will expand as a result. Electronic cigarette sales have been steadily increasing over the last years. Analysts...

Jul 28, 2014

Joining Tobacco Forces

The e-cig market gets a shakeup with top brands sale; the news of a potential sale with Reynolds American Inc. looking to buy their competition Lorillard Inc. Lorillard Inc. owns the most popular brand of e-cigs on the market, with a 47% share of the market, making this a very large sale of $27 billion. This type of sale must...

Jul 25, 2014

Understanding The Implications Of E-cigs

With the country fully aware of the plight of the non-smokers effected by second-hand smoke and developing lung cancer, as well as the smokers. This has had serious implications around the globe to solve the dilemma; people enjoy smoking even if it has links to death and find it hard to quit the legal drug. A solution, which has become...

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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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