Jan 15, 2018

The Future of e-commerce Will Focus on Creating Experiences

The future of commerce is clear: it’s going online. Almost all of retail growth is in the e-commerce space, and for good reason; technology has put our ability to purchase directly in our hands, with our ability to make purchases using smartphones enabling a culture of purchasing goods and services anywhere, anytime. Retailers need to be able to compete, but...

Dec 29, 2017

New Report Analyzes Global Ecommerce Landscape, Cross-Border & Digital Wallets

According to the 2017 Global Ecommerce Report, the global retail industry is at a “crossroads”. This wide-ranging study of e-commerce surveyed 1,200 retailers from 8 countries and 12,000 consumers from 11 global markets. The perspectives of both consumers and retailers revealed interesting data for those concerned with card-not-present payments. The key points this study uncovered include: Cross-border is figuring more...

Dec 26, 2017

Online Sellers Hit All Time Records on Cyber Monday 2017

Cyber Monday was the biggest online shopping day in U.S. history. According to Adobe, the grand total was an estimated $6.6 billion in sales, representing a 17 percent increase over last year. In comparison, Black Friday and Thanksgiving Day generated $5 billion and $2.9 billion in online sales, respectively. The top Cyber Monday sellers included: Nintendo Switch, Apple AirPods, Google...

Dec 11, 2017

What To Do When Your Merchant Account Is Suspended

Payment processing is a crucial aspect of virtually any business. Fewer customers are carrying hard cash every day, which means that as a merchant, it is in your best interest to implement solutions that cater to cashless payments. A merchant account provider can, therefore, be your most valued business partner. But what happens when they decide cut ties with you?...

Dec 11, 2017

Understanding High-Risk Merchant Account Fees

Every business strives to keep its customers as happy and satisfied as possible. In today’s digital world, part of that means giving them the chance to choose the payment option they want when purchasing a product or service. But, although ordinary businesses may have no problem accessing cashless payment processing solutions, high-risk merchants are hardly ever as lucky. Processors often...

Dec 08, 2017

Five Key Factors Promoting the Growth of E-Commerce

The growing acceptance of the internet as a shopping tool is unlikely to slow down anytime soon. According to Forrester Research, the number of online customers will reach 270 million by the year 2020. This will apparently see the e-commerce sale value stand at a whopping $523 billion, representing a stark rise of 56 % in five years. Of course,...

Dec 07, 2017

How Much Will a High-Risk Merchant Account Cost Your Business?

In the payment processing world, some businesses and business industries are considered “risky.” If you’re one of them, you’ve probably already been turned down by a couple of processors. But, all is not lost. High-risk merchant account providers exist, and they’re out there ready to cater to your exact needs. That said, merchants seeking for high-risk payment processing typically have...

Dec 07, 2017

How to Get an Angel Investor to Fund Your High-Risk Business?

For obvious reasons, traditional money lenders are usually more willing to fund businesses that are least likely to fail. Nevertheless, just because a bank has labeled you “high-risk” doesn’t mean you can’t raise the capital you need. You still have several viable options, such as high-risk loans and merchant cash advances, grants from friends and family, crowdfunding initiatives, and of...

Dec 07, 2017

Are You a High-Risk Merchant? No Need To Panic

As a merchant in today’s world, the ability to process credit card transactions is critical to the survival of your business. For high-risk enterprises, however, this privilege doesn’t come easy. Every typical acquiring bank prefers to deal with merchants that won’t put their money at risk. So, if a bank considers you high-risk, it will be very reluctant to lend...

Dec 06, 2017

High-Risk Credit Card Processing: The Good And The Bad

Being labeled “high-risk” when seeking credit card processing services may sound like a bad thing, but the situation isn’t that clear-cut. While many merchants crumble from the pressures of running high-risk businesses, some emerge against the odds and find success. What is high-risk credit card processing? Every business needs a merchant account to accept credit card payments. The cost 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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