Apr 22, 2015

E-Cig Merchants, You Need to Accept Mobile Wallet Payments

Mobile wallet payments are big news, and consumers love their ease and convenience. While big news, many e-cig merchants are not offering to accept these payments. You need to. If your current e-cig merchant account provider does not allow you to, it is time to look elsewhere for your merchant account services. One of the biggest mobile wallet names is...

Mar 18, 2015

E-Cig Merchants Watch Out, Fakes Are All Around

E-cig, or electronic cigarette, merchants know the industry is big business. While sales are up, merchants need to watch out for fake products. While most merchants are careful to vet their suppliers, not everyone is careful. Also, not all suppliers check out who their product came from, which can lead to even bigger issues down the road, if there is...

Mar 17, 2015

The Best Electronic Cigarette Merchant Account Payment Processor

E-cigs, or electronic cigarettes are big business, both in-stores and online. While many states have age barriers, the sales have not been affected. Regardless if you are a new merchant or an existing merchant, it is the right time to get into electronic cigarette market. Sales are great, and since many TV doctors are touting them as the new tobacco...

Feb 13, 2015

Get Your Own Share of the $1 Billion and Growing Vape Market

The secret is out and has been out for quite a while. E-Cigarettes are here to stay. Some users are sold on the fact that they are not inhaling damaging smoke. Others see smoking the e-cigs as a way of having their cake and eating it, too. The state and local governments cracked down on traditional cigarette smoking in bars,...

Feb 05, 2015

E-Cigs Predicted to Outpace Traditional Cigarettes

Photo Courtesy of TBEC Review The state of Kentucky is home to the largest population of adult smokers in the United States. But even in this bastion of cigarette smoke and nicotine, a competitor is quickly gaining ground threatening to replace traditional cigarettes in the lives of smokers. Electronic cigarettes or e-cigs, are projected to outpace the sale of combustible cigarettes...

Jan 30, 2015

E-Cig Merchants Win Big with Mobile P2P

Millennials are coming of age and are more connected to their mobile phones and each other in more intricate ways than ever. This generation, defined as the ages of 18-33, are performing many of their most important functions with their smartphones. Mobile P2P (person-to-person) payments are the result of this life and smartphone integration. Now millennials expect that the companies...

Jan 30, 2015

Lack of E-cig Regulations Spark Ad War

The government is finally making a move on the regulation of e-cigarettes. The now billion dollar industry has run unchecked by the federal government for years, leaving it to the states to regulate. Current rules give the federal government the authority to regulate e-cigs along with pipe tobacco, cigars, and other related products. But these rules neglect to address several...

Nov 24, 2014

E-Cigs Look Like They’re Here to Stay | Electronic Cigarette Merchant Account with EMB

Since the growth of the electronic cigarette and the popularity of the product, this business area is booming. These cigarettes are different and not part of the standard regulations and this gives people who use them more opportunities to do so. Smoking in some public places have seen a ban in recent times, depending where you live. These electronic cigarettes...

Oct 13, 2014

eBay and PayPal Break Up

On September 28th, eBay officially announced a situation that had been expected and celebrated by activist shareholders for a long time. PayPal will be turned into an independent company during the second half of 2015. Not only this, but eBay also revealed the name of the American Express veteran, Dan Shulman, who will essentially lead PayPal in this new independent...

Aug 29, 2014

MasterCard Plans For Digital Enablement Fees

No matter your business, you could feel the effect of the changes in the charges recently announced by MasterCard to their pricing and charges to the merchant accounts. Even a high-risk business like an electronic cigarette merchant account could see a rise in the price they pay for services. The charges are going to affect the amount of money the...

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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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