Jul 27, 2018

Lawmakers Pressing FDA: Need an E-Cig Merchant Account?

A group of US Senators questioned some of the decisions taken by the FDA. According to them, the agency must reconsider its decision to delay a review of vaping products. Besides, they asked the FDA to explain other regulatory decisions in relation. To learn more about this and know how you can obtain an e-cig merchant account easily and affordably,...

Jul 23, 2018

Help Your Business Keep Up with Explosive E-Cig Market Growth

Do you own an e-cigarette business? If so, you can expect massive growth in the e-cigarette market in years to come. A new research report by P&S Market Research has revealed that the global e-cigarette market is forecasted to attain a value of $70 billion by 2023 – up from a market size of $15 billion in 2017. This same...

May 21, 2018

FDA’s Regulations for E-Cigs

Are you running an electronic cigarette business? Do you need to open an electronic cigarette merchant account? What to expect from FDA’s deeming regulations in the field? How can you obtain a reliable e-cig merchant account easily? Just read below and you’ll know. Electronic Cigarettes and Other Products: Get a Merchant Account The use of tobacco represents the single largest...

May 21, 2018

Freelancing Revolution: Get an e-Cig Merchant Account Easily

The concept of running a business in our modern days is constantly undergoing changes. Working as a freelancer has completely changed the corporate landscape in the recent years. Are you a merchant operating online? Do you have an e-cig business? How can you grow your business and get an e-cig merchant account easily? Read this article and you’ll know.  Freelancing...

Nov 07, 2017

Get an E-Cig Merchant Account

Selling E-Cigs online is lucrative, but it’s a venture you can’t take on without an account. And not just any account, but an eCig merchant account. These are merchant accounts issued to businesses related to electronic cigarettes. Due to the risky nature of the business, particularly the high level of chargebacks, you will require an e-cig merchant account as most...

Sep 12, 2017

FDA’s New Approach to E-Cig Regulation

A long-term study was released in February, according to which vaping is safer than smoking cigarettes. The Food and Drug Administration (FDA) seems to be leaning toward the idea that if people are using tobacco, it should be in the form of vaping. Tobacco Regulation The FDA has recently announced that the agency is going to take a new approach...

Jun 21, 2016

4 Mistakes Business Owners Should Avoid with Credit Card Processors

After researching credit card processors, speaking to different sales people and going over quotes, you will have to submit an application; you must first receive approval from your chosen credit card processor before you can start processing. Before you put pen to paper, consider the following four common mistakes business owners should avoid when shopping for a credit card processor....

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...

Jan 13, 2016


“The wider the choice, the better the opportunity to switch to the alternative from traditional cigarettes.” – Rob Burton E-cigs are becoming a greatly popular alternative to traditional cigarettes. However, merchants trying to start a business in the field have to overcome hurdles associated with payment processing required for e-cig businesses. This is due to the unclear legality of the...

Dec 30, 2015

Consumers Say No to Mobile Payments

Consumers are planning to spend more cash than credit this holiday season, according to a survey conducted by Bankrate Inc. Out of 1,000 consumers surveyed, 39% said they intended to use mostly cash, while 31% opted for debit cards. Only 22% said they’d use credit this year. This comes as a shock to many major merchants who relied on open-to-buy...

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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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