May 14, 2020

Despite Pandemic, Some Businesses See An Increase In Sales

Businesses with a high risk merchant account can still be profitable if they pivot their business. The Covid-19 pandemic has greatly disrupted the US economy as many businesses were forced to close due to strict social distancing measures. The hardest hit were the small businesses where some had to temporarily halt operations, while others tragically had to close their doors...

May 12, 2020

Experts Warn Of A Surge In Fraud Due To Rising Online Use

Merchants should consider chargeback insurance to protect themselves from online fraud.  With the COVID-19 pandemic sweeping the country and the world, consumers are now looking online for goods, services, and entertainment. This sudden change in consumer purchasing behavior has great implications for eCommerce businesses.  On one hand, eCommerce businesses have seen an explosion of sales. ACI Worldwide’s research has found...

May 05, 2020

How To Secure A Gold And Precious Metals Merchant Account

A gold and precious metals merchant account is necessary for your payment processing needs. When it comes to precious metals, they are considered highly valuable because they are rare to find. Each year, only a minimum amount is produced and therefore their scarcity is the reason for such a high value. One of the most popular metals in the world...

Sep 17, 2019

Capital One Breach: Account Takeover Fraud on Fire

On July 29, 2019, Capital One talked about the data breach the company had experienced. Over 100 million people’s sensitive data was breached in the U.S. and Canada as a result. If the Capital One breach is the topic you’re interested in and if you want to discover secure payment processing services, keep on reading below. Capital One Breach: Protect...

Dec 21, 2016

Stolen Cards, Gift Card Exchanges, And Credit Cards

Hackers selling a batch of 50-100 credit card numbers can get $250.000 – $1 million. A buyer can make $2 million – $8 million using these stolen card numbers. As for the risks, the deal is riskier for the buyer than the seller. The data was provided by a research team led by Thomas Holt, a criminologist at Michigan State...

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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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