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...

May 27, 2014

E-Cig Shops Take Notice of AB-1500’s Impact

E-Cig and “vape” shops are all the rage, and lawmakers are taking notice. In California, they have proposed AB-1500, which easily passed the lower state house, yet stalled in the upper house. This is great for those who are looking into becoming an e-cig merchant. However, there still are issues at hand, and having the right merchant account provider will...

May 15, 2014

Christie to Hit New Jersey E-Cig Shops with New Tax

New Jersey Governor Chris Christie is trying to hit his states e-cig shops with a new tax to help with the states $807 million dollar deficit. New Jersey is the only U.S. state that spends none of its own money to combat nicotine addiction; New Jersey would use the estimated $35 million in annual revenue for general spending. Christie’s plan...

May 15, 2014

Users of E-Cigarettes Triple in Britain – Could This Put a Stop To Smoking The Real Thing?

It has recently come to the attention of those in Britain that users of electronic cigarettes have tripled in the last two years. The figures from the health charity Action on Smoking and Health (ASH) sparked attention from many, and certainly highlighted the significance and growth of e-cigs as a major brand. More specifically, the research found that users of...

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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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