Aug 11, 2016

FDA Regulations Leave E-Cig Merchants in Limbo!

For years, some mainstream merchant account providers have processed e-cig merchant accounts. While not all did so, some did, as this “high risk” industry could function as any other in terms of the government and its regulations. Recent changes have caused an uproar: E-Cigs are now stuck into the “high risk” category – and many mainstream retailers will be stuck...

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 05, 2015

E-Cigs Predicted to Outpace Traditional Cigarettes

Photo Courtesy of TBEC Review The state of Kentucky is home to the largest population of adult smokers in the United States. But even in this bastion of cigarette smoke and nicotine, a competitor is quickly gaining ground threatening to replace traditional cigarettes in the lives of smokers. Electronic cigarettes or e-cigs, are projected to outpace the sale of combustible cigarettes...

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 25, 2014

Are Tighter Controls On E-cigarettes Coming?

The electronic cigarette market is seeing a boost not only in the sales of the products but also in the products available, with an estimated 240 new flavors appearing on the market each month used to fill up the e-cigarette. Many of these flavors are new to this type of product and market, they can range from a mint flavor...

Jul 25, 2014

Electronic Cigarettes Prompt Tax Questions

The electronic cigarette business is booming with new brands of e-cigarettes and different flavors to fill the cartridges. With the popularity of this product rising every month, the market value is in excess of $2 billion. This makes the e-cigarette market a very popular business to enter, having customers ready to purchase the different options available. However, making payment options...

Jul 25, 2014

Are E-cigs Less Harmful?

Owning a business that supplies the popular e-cigs is great business sense as the popularity increases. With recent studies that are pushing these as an alternative to smoking normal cigarettes, as an option to reduce the amount a person smokes. They contain less chemicals than a tobacco product, and the burning of the plant releases toxins into the body. In...

Jun 05, 2014

New Jersey Pushes Legislation to Tax E-Cigarettes the Same as Traditional Cigarettes

Some are happier than others concerning the recent legislation proposing the same taxation on electronic cigarettes as traditional cigarettes. Not only is the state of New Jersey considering such legislation, but it is also going as far as proposing that the same tax should be added to cigars, smokeless tobacco and other tobacco products. E-cigarette and tobacco wholesalers, consumers and...

Oct 24, 2013

Has your electronic cigarette merchant account been dropped by PayPal?

PayPal has a policy that it will not sell any products that have tobacco in them. “PayPal generally prohibits transactions for all types of tobacco products, including cigarettes, cigars, and smokeless tobacco due to legal requirements and industry regulations for online tobacco sales” Clearly stated It is clearly written on their site that they won’t play with any kind...

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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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