Aug 15, 2018

5 Credit Headaches that Pain Small Business Owners

All micro-businesses know how difficult it can be to achieve the state of success they’d wish for their firms especially when funding is inadequate. And regardless of your source of financial backing— whether from conventional banks, an alternative lender, or an angel investor— it is essential that your credit remains rock solid. According to a survey by Nav, the financial...

Oct 10, 2014

What Breaches Mean to Bad Credit Merchant Accounts

You may have run into a little financial trouble in your past because you have a bad credit merchant account and large banks as well as conservative credit card processors turned you away and declined your application for credit card processing. No one, absolutely no one, wishes bad things to happen to any merchant or bank. But the latest breach...

Jun 13, 2014

How to find a Merchant Account for your Business with Bad Credit

It may seem impossible to open a business if you, the owner, have bad credit. However, it is entirely possible. It may not be easy, but it is possible, and by finding the right bad credit merchant account, you are on the track to financial success. While banks and traditional merchant account processors will more than likely offer you sky-high...

Nov 14, 2013

Have bad credit and need a merchant account for your shop?

Is your business struggling? Do you think your revenue would increase with credit and debit card available payment options? You would be right with that assumption and saying so does not make it easy to find someone to help. Luckily, you found this article. Let me lead you to your (bad credit merchant account) and show you how easy it...

Oct 22, 2013

The Easiest Way To Acquire a Credit Repair Merchant Account

Getting a merchant account is as simple as filling out their paperwork and waiting the twenty four to forty eight hour time period for an answer. Many of the nation’s businesses are listed under the high risk designation, so if you have been placed there, don’t panic. If you have chosen to be a credit repair business, don’t shy away...

Sep 27, 2013

No Credit/Bad Credit? Is your bad credit haunting you?

Bad credit is nothing to mess with. It usually occurs when things go wrong in your life. A job ended without warning, or those that owe you could not pay. Needless to say, time and time again, you were unable to pay your bills. Things happen and you ruined your credit and took the sacrifice. Now you are ready to...

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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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