Jun 21, 2016

4 Mistakes Business Owners Should Avoid with Credit Card Processors

After researching credit card processors, speaking to different sales people and going over quotes, you will have to submit an application; you must first receive approval from your chosen credit card processor before you can start processing. Before you put pen to paper, consider the following four common mistakes business owners should avoid when shopping for a credit card processor....

Apr 19, 2016

Electronic Cigarette Credit Card Payment Solutions Without The Headache

In the modern world of eCommerc, an electronic cigarette business is considered quite profitable. The e-cig industry has been growing with rapid advances in the recent years. To start and succeed, e-cig merchants should find a secure and reliable payment processor in the field. Electronic Cigarette Market Electronic cigarettes or vaporizers are also called electronic nicotine delivery systems. Chinese entrepreneurs...

Feb 19, 2016

UK Approves First E-Cig Trial | E-cig Merchant Accounts Rejoice

Earlier this year, UK’s Medicines and Healthcare products Regulatory Agency (MHRA) approved its first electronic cigarette clinical trial. Reuters reports that the British American Tobacco (BAT) received the proper medical licenses to commence clinical trials this year. This means that its e-Voke vapouriser is eligible to be prescribed as a smoking cessation treatment. This will be the first e-cig officially...

Aug 21, 2015

Tips to Improve Your Electronic Cigarette Business

Electronic cigarette usage is on the rise, which is great for their merchants. While the sales are huge, and merchants are making a killing in the market, it may be tough to break into the market. One issue with electronic cigarette merchants is that everyone is the same. There are only so many ways that you can market a product,...

Jul 20, 2015

Attorney General to Crackdown on E-Cigs | What it Means for E-Cig Merchants?

In news that will leave most people quietly smiling, a top prosecutor has vowed to engage in a major crackdown to get e-cigarettes off the hands of school children. This comes hot on the heels of a new study which shows that use the substances among school going children in the U.S. has more than tripled. The New York Attorney...

Jun 24, 2015

E-cigarette Bill Awaiting Approval on Indiana Governor’s Desk

An e-cigarette bill for the state of Indiana has made its way to the Governor’s desk. H.B. 143 was passed April 16th with a 73-14 vote in the House. Many are anxiously waiting to see if it will be signed into law. This bill would involve the regulation of liquids that are used in electronic cigarettes. The first individual to...

Jun 16, 2015

E-Cig Merchants, Rejoice! The First Certified Organic Vapes are Now Available

Electronic cigarette merchant accounts are going to be in even more high demand, since America’s first ever certified organic vapes are now available. Of course, the jury is still out on vape safety, but right now they do seem to be the best bet when someone wants to give up regular tobacco cigarettes, but still keep the “smoking” habit. Outside...

May 27, 2015

Is Public Opinion Turning Against Vaping?

As the FDA discusses how to regulate electronic cigarettes, multiple studies are being conducted to determine the effects and appeal of e-cigs, and how vaping compares to smoking traditional cigarettes. As vaping starts to catch on, it has become an increasing target of attacks. Some health advocates wonder if e-cigs will cause the same or similar health issues as regular...

May 11, 2015

Will Regulation Stop E-Cig Growth?

Electronic cigarettes are becoming extremely popular in the United States and around the world, as the FDA teeters on regulation for the billion dollar industry. Right now the FDA and other organizations are running studies to test the health effects of e-cigs. Until the FDA enacts federal regulation, how to treat e-cigs has been left up to each individual state....

Apr 22, 2015

Apple Pay is Now Looking For a Fix Thanks to Hackers

Hackers have found a new target and victim: Apple Pay. The ever-popular new payment app is now the victim of a hacking, but it wasn’t a full-blown hacking as we have seen with various retailers. This hacking was a soft hacking, which some industry experts see as a possible test run for something bigger down the road. Due to this...

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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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