Sep 22, 2020

How Payment Gateways Guarantee Online Payment Security & Safety

Payment gateways play a critical role in the transaction flow between customers and online merchants. Gateways provide payment security, ensuring safe transactions, even in the absence of the one-on-one buyer-seller experience. Because web merchants rely almost entirely on trust, more and more criminals target eCommerce businesses to steal from them and their customers. Many instances of eCommerce payment fraud are...

Sep 01, 2020

7 Ways Accept Online Payments for Your eCommerce Business

Are you wondering what methods you should use to accept online payments? Which one should you go for: No need to worry. This article is here to help you with online payment options for your customers. How to Accept Online Payments The way people send and receive money is changing. eCommerce businesses that fail to react to these trends are...

Jul 18, 2020

Older Consumers Shopping Online Since Pandemic Outbreak

Using eCommerce integration will facilitate convenient and safe shopping for customers.  Since news of the COVID-19 pandemic broke, many older adults, concerned about complications from contracting the virus, have chosen to take extra precautions by not venturing out to purchase the goods they need.  Instead, they have turned to online shopping and other contactless means of purchasing.  According to eMarketer,...

Jul 02, 2020

EMB Fraud Protection – Feel Empowered, Fight Back

In 2018, the highly anticipated “True Cost of Fraud Study for the Retail Sector by LexisNexis® Risk Solutions, was released, revealing the true challenges that fraud is posing for retailers nationwide.  Some of the fastest growing incidents of fraud keep stemming from card-not-present and mCommerce fraud. The 2018 study also demonstrated that losses due to fraud were up 6% from...

Jun 23, 2020

Payment Gateways Are Essential To Secure Online Transactions

Payment gateways play a vital role in eCommerce. If you have an eCommerce site, the only way to make a profit is to take credit and debit card payments online. In order for that to work, you will need the help of a payment gateway. What Is A Payment Gateway? A payment gateway is essentially a service whose primary role...

Jun 19, 2020

ATOs Pose Significant Threat And Merchants Are Unprepared

Merchant accounts face great vulnerability as fraudsters engage in ATO.  A survey released by Riskified, a payments and fraud solutions provider, revealed an eye-opening revelation on the devastating effects of ATO’s or Account Takeover attacks on both customers and eCommerce business owners alike.  An ATO occurs when a fraudster successfully gains access to a customer’s stored account information within an...

Mar 13, 2020

Fake Products Endanger High Risk Merchant Account Providers

According to Finextra.com, $200 million in fraudulent transactions has been stolen from banks in the years between 2003-2013. Merchants, who opened a merchant account with the expressed intention to sell legitimate goods, once approved, rack up fraudulent transactions, only to abandon the merchant account. This deceitful tactic allows merchants to process as many transactions as possible, before raising any kind...

Jan 13, 2020

Cashing in on E-Commerce | Holiday Shopping Season Lessons

eCommerce is on the rise all around the globe. Why? It’s simple! All consumers need is just a click of a button to buy goods from any corner of the world. Let’s move forward to dive more into the topic and find an exceptional payments expert for you. eCommerce Is Growing Globally Retailers are looking for ways to take more...

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...

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