Nov 20, 2019

Protecting Your eCommerce High-risk from Reverse Charges

Taking credit card payments is the order of things when it comes to online customer-retailer relations. And to be able to accept cards, debit or credit, you must have access to a merchant account. Normal businesses will find many willing merchant account providers but those classified as high-risk for one reason or another must hassle hard or look in the...

Sep 27, 2019

Advantages of Having The Best Age Verification Software

According to a Statista report in 2017, ecommerce brought in about $2.3 trillion dollars in sales and is expected to hit a whopping $4.5 trillion by the year 2021. Just in the US, ecommerce made up 10% of retail sales. And it doesn’t stop there, this figure is expected to grow up to 15% every year. There is no doubt...

Sep 20, 2019

7 Things You Should Know About Having a High Risk Merchant Account

The High Risk Merchant Account: The Good, The Bad, and The Downright Ugly. High risk merchant accounts can be fraught with complexities and difficulties. It is crucial that you are fully informed of its trappings and unscrupulous practices before you sign your contract. To help you, here are 7 things you need to know before you apply for a High...

Aug 08, 2019

Ecommerce is Need for Age Verification Software, Analysts Say

Online marketplaces and services are becoming the shopper’s favorite, and most companies are taking their businesses to the web; or running both physical and online stores. Once they are there, they realize they’ve landed in Rome and have no option but to blend in if they are going to survive— adopt a customer centric approach. But Jia Wertz, an ecommerce...

Jul 10, 2019

New Tech Opportunities Led By Increase in B2B E-Commerce

Forrester Research reported in 2017 that B2B (business-to-business) e-commerce transactions will climb to $1.2 trillion by 2021. Within the United States, this accounts for more than 13% of all B2B sales. That figure is up $889 billion in sales calculated at the end of 2018. None of this is surprising considering more day-to-day decisions are left in the hands of...

Jun 12, 2019

Six Ways to Secure Ecommerce Data Accuracy

In the digital age, data is an essential aspect of any enterprise. It’s a crucial factor in determining the success of any business. By using the most advanced analytics tools, organizations use data analysis to come up with their business strategies. With all this in mind, e-commerce businesses have to take great care when processing data entry, as online retail...

Jan 24, 2019

China’s Law Cracking Down on Fake Online Goods

 From footwear and pharmaceuticals to apparel and automobile parts, 80 percent of the world’s counterfeit goods come from China. The counterfeit and pirated products market is a $1.7 trillion per year industry, and it is projected to climb to $2.8 trillion and slash 5.4 million jobs by 2022, according to “The Economic Costs of Counterfeiting and Piracy.” The report...

Mar 01, 2018

Accepting Credit Card Payments For Your Shopify Business

If your dream is to launch your own online business or begin working from the comfort of your sweet home, then this is the time to make a move. Waiting any longer will leave you lagging behind because the internet is now fast-growing and dynamic. Luckily, owning and running an online store is no longer a big deal thanks to...

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 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...

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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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