Jan 21, 2016

What to Expect from a High Risk Merchant Account

The majority of businesses that make service inquiries are businesses that already take credit cards, but have some recurring issues with their existing solution. These issues that need to be overcome can take different forms. In some cases, a high risk merchant account is better suited to a merchant’s needs, and can help the merchant overcome current service issues. According...

Aug 12, 2014

Merchant Account For Your High Risk Bail Bond Business

Depending on your line of business you own, will depend if applying for a merchant account is easy. Some business is considered as high risk and this means that many merchant companies won’t offer their services. However, there are some merchant accounts that deal specifically with high-risk businesses and will accept applications and even offer a bail bond merchant account,...

Jun 09, 2014

Tips on How to Apply for a High Risk Merchant Account and Get Approved

Although you may not be able to get a traditional merchant account because of your high risk status, if you seek out the high risk teams, they can help you from beginning to the day you have your new account. Check out their live chat and talk to a representative. Ask all the questions you need answered before you decide...

May 27, 2014

Is it Possible to find a High Risk Merchant Account for Small Businesses?

To many, being a small business owner is the American dream. With a successful venture, you can set up your future and retirement on your own terms. However, many small businesses are labeled as “high risk” due to a higher risk of fraudulent activity. However, it is possible to find a merchant account processor that specializes in high risk credit...

May 27, 2014

How to get a High Risk Credit Card Merchant Account Hassle Free

Many vendors with high risk companies forgo the opportunity to get a merchant service account, because of fear of rejection. They instead choose an avenue such as PayPal, due to low fees and questions. However, PayPal is notorious for flagging, suspending, and even closing accounts that have a large volume of activity. It’s time that you looking back into merchant...

May 09, 2014

Point of Sale Acceptance

Not so many years ago there was nothing but cash to be exchanged for merchandise bought. As technology advances so does the convenience and our dependence on that technology. One of the conveniences of technology has been the ability for businesses to offer point of sale (POS) purchases. Point of sale is a system that has become more popular with...

Mar 01, 2014

Credit Processing for TMF/Match List Merchants

Merchants and businesses that wind up on Terminated Merchant Files or Match lists don’t all deserve to be there. Two common, non-illegal causes for a high risk merchant to wind up on these lists are failure to pay final bill and high chargeback rates. Operating a business, opening new merchant accounts, and high risk credit card processing may seem next...

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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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