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...

Nov 09, 2015

British American Tobacco and Reynold’s Deal Will Change E-cig Market Forever

British American Tobacco Ltd (BAT) recently announced a vapor-technology sharing and licensing agreement with Reynolds American Inc., an essential step towards its expansion into Reynolds.  The companies are expected to close the deal by Dec. 31, with the proposed sharing running through the end of 2022. Over the past decade, health advocacy and anti-smoking campaigns has generated a strong cigarette...

Sep 16, 2015

New E-Cigarette Regulations Could Put Retailers out of Business

Electronic cigarettes have always been a hot topic. Earlier on, they were seen as big business and many entrepreneurs jumped at the opportunity. In fact, those who have been in the industry for upwards of 20 years have been seen enormous returns on investment. In Indiana, particularly, e-cig business has been big business! However, this smooth ride is about to...

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 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...

Jun 15, 2015

Are E-Cig Merchants Being Left Behind when it comes to Mobile Wallet Payments?

Mobile payments have become a new “must” for retailors. Recent studies have shown that a large number of consumers are using a mobile wallet to make their payments. For retailors that do not accept mobile wallet payments, they could be losing considerably in sales. In a January 2015 survey conducted by Interactions Consumer Experience Marketing Inc., approximately 30% of consumers...

May 22, 2015

E-Cig Usage Grows in Teens

According to a recent New York Times article, upwards of 15% of high school aged boys and girls use e-cigarettes, or e-cigs. While the verdict is still out on their safety, many are touting these electronic devices as a way to keep kids away from tobacco and cigars. While not everyone will switch to an e-cig, many are, and many...

Apr 22, 2015

E-Cig Merchants, You Need to Accept Mobile Wallet Payments

Mobile wallet payments are big news, and consumers love their ease and convenience. While big news, many e-cig merchants are not offering to accept these payments. You need to. If your current e-cig merchant account provider does not allow you to, it is time to look elsewhere for your merchant account services. One of the biggest mobile wallet names is...

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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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