Mar 20, 2015

Lack of Regulation Makes it Easy for Teens to Order E-Cigs

Right now 41 states prohibit online e-cig sales to minors, but a new study finds that despite these laws minors are still able to order e-cigs with little to no resistance. This makes many health advocates worry about the potential of teen addiction to electronic cigarettes. They note that the aim for anti-tobacco groups has been to stop the devastating...

Mar 18, 2015

E-Cig Merchants Watch Out, Fakes Are All Around

E-cig, or electronic cigarette, merchants know the industry is big business. While sales are up, merchants need to watch out for fake products. While most merchants are careful to vet their suppliers, not everyone is careful. Also, not all suppliers check out who their product came from, which can lead to even bigger issues down the road, if there is...

Feb 12, 2015

Fed Details Faster Payment Processing Plan

The details of the Fed’s newest plan for faster payment processing have been released. EMB clients who are reliant on fast payment processing, such as e-cig merchant account owners, will find the progress encouraging. The Fed’s plans outline specific sectors of payment processing to receive upgrades as well as possible approaches to the undertaking. Sluggish payment processing is the bane...

Jan 30, 2015

Lack of E-cig Regulations Spark Ad War

The government is finally making a move on the regulation of e-cigarettes. The now billion dollar industry has run unchecked by the federal government for years, leaving it to the states to regulate. Current rules give the federal government the authority to regulate e-cigs along with pipe tobacco, cigars, and other related products. But these rules neglect to address several...

Nov 25, 2014

E-cig Merchant Account Payment Solutions

The popularity of the e-cig is increasing with new flavours and improved e-cig designs means the possible combinations are available to meet all tastes and needs. This is exciting news if you are looking to open up a shop, either in reality or, just a virtual shop to sell products across the globe. E-cigs classification is a high-risk business due...

Oct 16, 2014

Merchant’s Reliance upon Payment Apps Security Concerns in the e-Cig Merchant Account Industry

While payment apps are becoming more popular amongst e-cig merchants, there are many security concerns. In the day of mass hackings, apps are targeted just as frequently, if not more frequently, than other forms of payment systems. While it may not be reported as often, payment apps lack the advanced security features that plastic card terminals can provide. The vast...

Sep 10, 2014

Have You Been Turned Down For an e-Cigarette Merchant Account?

If you have been turned down for an e-cig merchant account by a bank or a conservative credit card processor, you are not in an elite club. Many new as well as existing e-cig merchants are finding themselves in the same boat and trying to figure out why. What have they done wrong? These merchants have done nothing wrong except...

Aug 28, 2014

Merchants in Search of an Electronic Cigarette Merchant Account

Electronic cigarettes, or e-cigs, are all the rage. They are not age-limited, as users from 18 to 80 seem to love them for their cigarette-replacement. While doctors and lawmakers are still at odds over if e-cigs are safer than traditional tobacco cigarettes, consumers are buying fast. Another aspect that e-cigs offer is flavored “vapors”, the substance that omits tobacco or...

Aug 15, 2014

There’s Gold in Those Vapors! Start an E-cig Merchant Account Today!

With new taxes and bans on cigarette smoking around the country, merchants with e-cig merchant accounts may have thought they were on the losing end of the battle. If there are fewer customers ordering traditional cigarettes, cigars and pipe tobacco, what was going to happen to their businesses and profits? The large tobacco companies were not and are not going...

Aug 11, 2014

Cigarette Big-Wig Purchases Electronic Cigarette Giant

Tobacco cigarette bigwig Reynolds just made a major purchase by the name of Lollilard E-Cigs. While everyone knows that e-cigs are big business, they became that way by marketing themselves as a safer alternative to the average tobacco cigarette. Many are now wondering what happens now that big tobacco has gotten ahold of a “safer alternative”. E-Cigs have been hotly...

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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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