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...

Nov 21, 2016

Credit Card Processing For Your eBay Store

Making credit cards payments for eBay stores is becoming more and more popular. No matter, you, as a seller, use your own merchant account credit card or take credit cards through a payment service, you must pay a fee. There are a few things to take into account before starting a store on eBay so to ensure better profits in...

Jan 21, 2016

How to Get the Best Leads for Your Website

Are you searching for a way to boost your online sales profits? Don’t obsess over tracking every single visitor to your website. Website visits are only important in terms of how many leads and business opportunities those visits generate. Leads are the lifeblood to your business. The following are a few tips that can generate profits for your business using...

Nov 06, 2015

Online Merchants Must Prepare for Spike in Fraudulent Activity

As the EMV shift takes place, cases of card present are expected to decrease significantly in the United States. According to a recent Javelin Strategy & Research study, while EMV may have a positive impacton in-store fraud, it will make instances of online fraud skyrocket. The institution points to studies done on European countries that made the switch, and how...

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.