Oct 20, 2020

The Shift To Digital Payments And Accounts Holds Risk for Businesses

The Covid-19 outbreak has ushered in a dramatic surge in digital forms of payment. This is great news for e-Commerce businesses. However, along with the dramatic boost in online sales, there is also an equally dramatic boost in cases of fraud to contend with.  The sudden acceleration in fraud was fueled by the fear and uncertainty that millions around the...

Sep 01, 2020

AMEX Payment Processing For High-Risk Business Is Possible

Many merchants are unsure of whether American Express is the right card network to explore for catering U.S. and Canadian buyers. Some prefer other options because of pricing. Others don’t know if it’s a good option for a high-risk business. To find out more about AMEX for high risk payment processing and discover an exceptionally high risk processor, go through...

May 13, 2020

Applying for a High Risk Merchant Account? Read This

High risk merchant accounts are vital to accepting credit card payments for your business. If you are an eCommerce business owner, your only way of getting paid is to accept debit and credit card payments. As you grow, your best move would be to acquire a comprehensive or “full service” merchant account. However, before you dive into a grand virtual...

Feb 03, 2020

Identifying A High-Risk Business?

The barriers to opening an online business are high and are fraught with challenges. Add to that being labeled as a “high risk business”, and well, your problems have just compounded. These difficulties come in the form of finding a reputable payment processor willing to grant high risk businesses the means to accept credit card payments online. What is a...

Oct 11, 2019

This Might Be the Reason Your Business Was Flagged as High-Risk

You have the business, the right products and/or services, the website filled with information, and some good employees. Now you want to expand your payment options to include credit and debit card processing. That should be no problem for a legitimate business like yours, right? Actually, many businesses are surprised to find that qualifying for an online payment gateway is...

Sep 20, 2019

7 Things You Should Know About Having a High Risk Merchant Account

The High Risk Merchant Account: The Good, The Bad, and The Downright Ugly. High risk merchant accounts can be fraught with complexities and difficulties. It is crucial that you are fully informed of its trappings and unscrupulous practices before you sign your contract. To help you, here are 7 things you need to know before you apply for a High...

Jan 08, 2019

Where To Find the Best High Risk Merchant Accounts

As a high risk merchant, it’ll be pretty challenging for you to find a reputable merchant account provider to start accepting online payments. This article is here to help you get a better understanding of high risk payment processing and know where you can get the best high risk merchant accounts to grow your business. High Risk Business & High...

Jul 09, 2018

What Is a High-Risk Business?

A financial institution labels a business “high risk” for a number of reasons, including its industry, potential legalities, and its risk for chargebacks and financial problems. This is problematic because it impacts a business’ ability to borrow money  and obtain merchant accounts, which are required if a business wants to accept and process credit card payments. There are some businesses...

Jan 16, 2018

Payment Processing for High Risk Merchants

eMerchantbroker.com specializes in the high risk industry and provides exceptional high risk payment processing services to merchants of any type and size. EMB is focused on offering high risk merchant accounts to hard-to-approve merchants and is voted the #1 high risk processor in the US. Founded in 2011, emerchantbroker.com has helped thousands of high risk merchants take their business off...

Aug 25, 2017

How to Get a Merchant Account for Your Adult Webcam Website

It’s a common knowledge that the adult industry is quite profitable and that adult website businesses are on the rise. Since adult businesses are classified as high risk, it can be rather challenging for adult business owners to get the necessary payment processing or merchant account services for their businesses. Traditional banks and most processors aren’t willing to work with...

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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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