May 27, 2014

Electronic Cigarette Business Exploding in L.A.

Electronic cigarettes are taking off across the United States. Analysts even suggest that sales of e-cigarette products could surpass tobacco sales in the next ten years.  This is no surprise as projected product sales could top $1.5 billion this year. Meanwhile this explosive growth has sent lawmakers into a frenzy to control the industry. In California, Assemblyman Roger Dickenson (D-Sacramento)...

May 19, 2014

E-Cigarette $10 Billion Market in Limbo

E-cigarette manufacturers are worried about the impact that new government regulations may have on the budding industry. In April, the Food and Drug Administration released a plan that would have the government review the safety of e-cigarettes and their ingredients. Despite not having conducted any research on e-cig safety, the FDA has banned the sale of unregulated tobacco products, including...

May 15, 2014

Christie to Hit New Jersey E-Cig Shops with New Tax

New Jersey Governor Chris Christie is trying to hit his states e-cig shops with a new tax to help with the states $807 million dollar deficit. New Jersey is the only U.S. state that spends none of its own money to combat nicotine addiction; New Jersey would use the estimated $35 million in annual revenue for general spending. Christie’s plan...

Apr 29, 2014

The Regulation of E-Cigarettes is Announced

The announcement was made on the 24th of April that the FDA would begin regulating the billion-dollar industry of e-cigarettes for the very first time. The FDA has stated that it plans to bar minors from buying the product, and it also plans to ban free samples from being passed out to consumers. According to The Smoke Free Alternatives Trade...

Apr 15, 2014

Booming E-cigarette Industry Brings on the Need for E-cigarette Merchant Accounts

E-cigarette sales are rapidly climbing. According to an article by Gabrielle Karol of Fox Business, “Wells Fargo Securities analyst Bonnie Herzog says as long as regulations don’t slow down the industry, e-cig usage could soon surpass that of conventional cigarettes.” With more and more people questioning just how bad conventional cigarettes are for you, more and more are trying out...

Apr 04, 2014

Hollywood Up in Smoke

Hollywood directly impacts culture across the world as films and television series have a broad reach. Any new trend picked up by Hollywood can be disseminated to millions of people. And what’s the latest Hollywood trend? Electronic cigarettes. The trend has a growing number of celebrity followers and it has even manifested itself in films and popular television shows in...

Mar 28, 2014

Will a Proposed Tax on E-cigs, Tank the Electronic Cigarette Revolution?

New Jersey Gov. Chris Christie has proposed a tax on e-cigs in his 2015 budget proposal, making this popular cigarette alternative just as expensive as traditional combustible cigarettes. A tax on e-cigarettes would raise an estimated $35 million for the state. The potential to generate such large revenues from taxes on e-cigarettes, have led to other states considering the same...

Mar 28, 2014

Where You Can Use Electronic Cigarettes, Depends on Where You Stand

State legislators across the United States are feeling the heat to distinguish e-cigs from combustible cigarettes that use tobacco. In Tennessee a battle is raging over if and how to regulate e-cigarettes, a new alternative to smoking traditional cigarettes, whose popularity has led to a booming “vaping” culture and staggering profits. Wells Fargo Securities analyst Bonnie Herzog, says that the...

Mar 26, 2014

E-Cigs are not going out Just Yet

Last month, CVS decided to wind down its cigarette sales as the drug chain focuses more on being a health company. Selling a consumer product responsible for nearly 500,000 American deaths each year goes against their moral code. While this may be financially terrible for CVS, it is fantastic for the public at large. It is also fantastic for E-Cigs,...

Mar 14, 2014

L.A. City Council votes to Prohibit E-Cigarettes and Vaporizers

L.A. City Council voted in favor of extending city bans on cigarettes to include e-cigarettes and vaporizers. In any location where traditional smoking is banned, namely restaurants, bars, and other nightlife establishments, e-cigarettes and vaporizers are now banned as well by city ordinance. This has caused considerable debate and, in some cases, protest as many business owners are vape-friendly. Business...

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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 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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