May 27, 2014

Health Survey Reveals Electronic Cigarette Users Tripled in 2 Years

A British Health charity, Action on Smoking and Health (ASH), released new statistics that show the number of e-cigarette users in Britain have tripled over the past two years. The results may have major consequences for entrepreneurs and their e-cig merchant accounts. Deborah Arnott, Ash chief executive, states “The dramatic rise in use of electronic cigarettes over the past four...

May 22, 2014

California Bill AB1500 is up for a Vote – Electronic Cigarettes Online Sales

California Bill AB1500, which deal with adding fees to e-cig purchases online, is up for vote. This bill could have hazardous affects to those in the e-cig business, especially if you do not have a an e-cig merchant account or a merchant account processor who is familiar with the terms of the bill, as it is likely to pass. This...

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 28, 2014

E-Cigarettes and You: What You Need to know before Opening an E-Cigarette Merchant Account

There’s a new frontier in the world of smoking. Vapor-based technology such as vaporizers and e-cigarettes are steaming up politicians, concerned citizens, and entrepreneurs alike as the new industry grows at an exponential rate. High-risk merchants looking to open e-cigarette merchant accounts are at the forefront of the swirling argument over vapor-based technology. Opposite Arguments Opponents to e-cigarettes and vaporizers...

Apr 03, 2014

Set up Your Electronic Cigarette Merchant Account with

The health risks from conventional cigarettes and aggressive anti-smoking legislation, is drastically decreasing the opportunities and locations for traditional smoking. As a result more smokers and ex-smokers are turning to the e-cigarette for a tobacco free experience. This has led to a billion dollar industry with a wealth of opportunity for e-cig entrepreneurs; however e-cig shop owners are having a...

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,...

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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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