Apr 26, 2016

Payment Companies Choose Streamlined Checkouts To Reach Higher Conversion Rates

Checkout abandonment, especially with regard to smartphones, is still high. As a result, transaction volumes become suppressed, and new payment options are encouraged to allow for faster and smoother transactions for consumers ready to make purchases. Improving Mobile and eCommerce Conversion Rates Payment processors that need to better mobile and eCommerce conversion rates can choose to have an effective update...

Feb 20, 2016

Young Adults Decide to Skip Debit Cards Taking the High Risk Credit Card Processor Road

According to the “Consumers and Debit in the U.S.: Heightened Security Concerns,” report, high earners and young adults have one thing in common – a lower than average use of debit cards. The report canvased about 3,000 U.S. adults about their debit card use. For households that earn over $100,000, only 52 percent use debit cards and only 56 percent...

Jan 18, 2016


“Whilst usability is key for payments, security is a necessary condition for people to use them.” – Peng Ning According to the surveys carried out by the Federal Reserve, consumers consider security to be the top feature of payment methods. However, other payment characteristics like record keeping, cost, and convenience aren’t regarded as less important characteristics. The Difference Between PIN...

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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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