Oct 20, 2020

Staying ‘Unfrozen’ During The E-commerce Wave

With the onset of the COVID-19 pandemic, businesses worldwide have suffered shutdowns, and with that, loss of revenue. However, those businesses that have either already had an existing online store or quickly pivoted and opened up one, are clearly the ones surviving the economic downturn.  Businesses that are more likely to be impacted, regardless of cataclysmic world events are the...

Aug 21, 2020

A Deeper Look at the Future for Digital and Mobile Wallets

North America has been known for their preference for plastic for some time, with credit cards being the top consumer payment method. Recently, however, the spotlight has begun to shift to mobile-payment methods. Thanks to the COVID-19 pandemic, these trends are beginning to pick up even more speed. As consumers become more open to new methods of payment, more and...

Jul 24, 2020

How To Know If Your Business Needs eCommerce Integration

A report released by eMarketer is predicting that e-Commerce sales are projected to hit $4 trillion by 2020. That comprises 14.6% of the sum total of retail spending this year. In the middle of this pandemic, the number of new online shoppers are continuing to rise and retailers are perking up to the financial potential that e-Commerce presents.  Something to...

Sep 17, 2019

China Is #1 in Global E-Commerce

Global retail e-commerce is moving forward with double-digit growth. International consumer markets are experiencing rapid growth. In 2017 alone, China accounted for 67.1% of all e-commerce sales around the globe. If you’re interested in more details about global e-commerce and want to obtain a secure and cheap e-commerce merchant account, this article is here to help you. E-Commerce Growth: E-Commerce...

Feb 15, 2018

The Best Merchant Account For Your Ecommerce Shop

Paying with cash is a rarity. Cashless transactions are quicker and more convenient and vital for shopping online. The only way ecommerce businesses can thrive is if they accept credit and debit card payments. To do this, you must obtain a merchant account services. Whenever a payment is made with a credit card it involves the transfer of funds to...

Dec 08, 2017

Three Cutting-edge Trends in E-commerce and What They Mean For Credit Card Fraud Prevention

The way we do business is gradually shifting towards fast, simple and convenient methods. While this is undoubtedly good for merchants and shoppers alike, it has also introduced new challenges regarding security and fraud. Here are three trends in e-commerce, and how they’re influencing the raging fight against online fraud. Instant Gratification These days, the one thing shoppers can’t tolerate...

Aug 04, 2017

Three Cutting-edge Trends in E-commerce and What They Mean For Credit Card Fraud Prevention

The way we do business is gradually shifting towards fast, simple and convenient methods. While this is undoubtedly good for merchants and shoppers alike, it has also introduced new challenges regarding security and fraud. Here are three trends in e-commerce, and how they’re influencing the raging fight against online fraud. Instant Gratification These days, the one thing shoppers can’t tolerate...

Aug 01, 2017

Five Ways To Protect Your Business From E-commerce Fraud

According to American Express, 60 percent of internet-based retailers reported experiencing some form of fraud in 2016; a 25 percent jump from the previous year’s records. With the threat growing at such an alarming rate, the need to protect your business has never been more pressing. Here are five ways to keep your online enterprise from becoming an easy target...

Jun 29, 2017

Choose The Best E-Commerce Credit Card and Payment Processing

The e-commerce industry is growing with rapid advances. In the US, the industry grew by 15.6% to account for $394.86 billion in 2016, with e-commerce making up 42% of all retail growth. Today’s consumers prefer shopping for your products or services online. If your business can’t offer secure, convenient online shopping, it’s missing out on significant sales revenue. That’s why...

May 10, 2017

How to Give Your E-Commerce Website an Edge

Starting a brand new e-commerce website can be an exhilarating and thrilling experience for any ambitious entrepreneur. It’s also something, however, that comes with many expectations. If you want your new e-commerce site to be a big hit, these useful and practical tips can get it moving in the right direction. Take Your Time Steer clear of the rather common...

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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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