Aug 27, 2020

Refund Rates Can Wreck Your Payment Processing

Payment Processing can become risky with an increase in refund rates. One of the many obstacles that high risk merchants have come to acknowledge is chargebacks. Chargebacks can lead to the termination of their merchant account. However, this is not the only menace that can threaten a high risk merchant’s position with acquirers. Another threat that can jeopardize their status...

Aug 26, 2020

How to Choose a Payment Processor for Your Business

A payment processor you choose for your eCommerce business plays a vitally important role.  Today’s processors offer various merchant processing capabilities, so you should research well to find the best fit for your business. This article will help you choose a payment processor to grow your business with success. How to Choose a Payment Processor When choosing a payment processor...

Aug 25, 2020

Quick & Secure eCommerce Payment Processing with Credit Cards

Collecting customer payments come with hidden security risks that an ecommerce business cannot ignore. Processing credit card payments can improve security and change how you take money from customers. Because you won’t be doing every bit of the transaction process alone, partnering with the right service provider further tightens payment security levels. How Credit Card Processing Augments Your Payment Process...

Aug 24, 2020

5 Ways AI is Transforming the Ecommerce Experience

The answer to ecommerce success is the same as brick-and-mortar: delight your customers. Simple and straightforward, or is it? Thanks to technology, the landscape grows more and more competitive every day. How can your online business keep up, while also impressing its customers through your service? Artificial intelligence (AI) might be the answer you are looking for. Here are 5...

Aug 21, 2020

8 Deadly Mistakes People Make When Building an E-Commerce Site

Risk assessment should be part of your everyday life if you want to be a successful business owner. And the process should be well thought out when setting up an e-commerce store. You want to identify all potential dangers and loopholes early to prepare adequately. Still, risk assessment is a never-ending process. Why? Because the e-commerce business environment is ever-evolving....

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...

Aug 12, 2020

What Is A Payment Gateway And How Does It Work?

Online transactions have become the fastest and most advantageous way for its users to settle their payments. Thanks to the Internet, customers can be reached globally and therefore users can both buy and sell throughout the world.  The trickiest aspect of online purchases is that they are notoriously difficult to verify and can even be made in anonymity. In order...

Aug 05, 2020

Protect Your eCommerce Store And Customers From Fraud

Based on a study conducted by the Association of Certified Fraud Examiners, it was found that nearly one half of small businesses have been victims of fraud during the life of their business. In fact, for every occurrence, the average cost was $114,000.  Even if you accidentally accept a fraudulent payment, you are at risk for being responsible financially for...

Jul 27, 2020

What To Consider When You Integrate a Payment Gateway

A payment gateway is a type of software that links securely between an eCommerce site and a customer’s preferred method of payment. This can include a credit or debit card, a bank account, gift card, or any online wallets. There are numerous advantages to integrating a payment gateway into your website. You don’t have to implement and run the software,...

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...

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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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