Dec 06, 2017

How To Overcome The Challenges Of Running A High-Risk Business

Running any business is never easy, but it can be especially challenging if you’re a high-risk merchant. Not only will funding from conventional sources like banks and investors be near-impossible to come by, but payment processing companies and insurers will also be reluctant to offer you their services. Moreover, you will be required to adhere strictly to any compliance requirements...

Dec 06, 2017

What Does It Mean to Be a High-Risk Merchant?

Every business has its fair share of risks. That’s just how the business work works. However, some merchants face more risks than others, the extent of which significantly influences various aspects of their businesses. If you’re thinking of becoming an entrepreneur, too many high-risk factors may discourage banks and potential investors from funding your endeavor, and payment processing companies from...

Nov 08, 2017

Merchant Accounts for High Risk Businesses

Who is a High Risk Merchant? Any merchant who has one or more of the following characteristics is considered high risk: irregular high-ticket sales a record of high chargebacks Falls in an industry that major banks are not willing to support, or Any other highly regulated industry. Note that this high risk merchant account classification depends on your industry category...

Oct 30, 2017

Why Not Use PayPal for High Risk Processing?

While PayPal is one of the common options most retailers consider when looking to process credit card payments, there’s always the question of whether you can use it for your merchant account for high risk business. Unfortunately, you can’t, because they don’t accept merchants like you. Along with other payment aggregators like, Stripe and Square, PayPal is not willing to...

Oct 16, 2017

What High Risk Retailers Should Know About Merchant Account Fees

When applying for a merchant account, high risk retailers will wonder what the merchant account fees are up front once they are approved and begin running an account. This information is for your good; just so you understand why some deductions are made each time you make a card transaction. On top we’ll take you through a few merchant account...

Aug 28, 2017

High Risk Merchant Account Services and Fees

There are several factors that might put your business in the high risk category. One of the main reasons has to do with the higher rate of chargebacks and disputes. As a high risk business, you’ll be unable to secure a standard account with the majority of acquirers, so you should look for a respectable payment processor specializing in the...

Aug 17, 2017

Choosing the Right High Risk E-Commerce Merchant Account

It’s estimated 1.61 billion people worldwide purchased goods online in 2016. In 2016, global e-retail sales accounted for 1.9 trillion US dollars. It’s projected this number will reach 4.06 trillion US dollars by 2020. In Asia Pacific, e-retail sales represented 12.1% of retail sales in 2016 but accounted only for 1.8% of retail sales in the Middle East and Africa....

Aug 14, 2017

Choosing the Best High Risk Merchant Account Provider

In the modern world of business, it’s become so much important to be able to accept credit cards. According to a 2016 survey by one of the payment processors, which included 1.000 consumers, 40% percent chose credit cards as a safe payment method, while 35% selected debit cards. Only 11% percent preferred cash. Consumers’ preference for credit cards grew by...

Award winning.

  • 2012
  • 2013
  • 2014
  • 2015
  • 2016

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.

Live Chat