May 28, 2020

Establishing Your CBD Merchant Account

A CBD Merchant Account is key to staying within legal limits, offering security. What’s all the buzz about CBD oils?  You may have seen these initials scattered throughout many strip malls’ storefronts, displaying a particular green plant as their logo. Don’t worry, it’ s legal. Let’s get the 411 on this mysteriously popular product.  What Is CBD? CBD is an...

May 27, 2020

Securing An Online Dating Merchant Account

Online dating merchant accounts serve as a safeguard in a high risk industry. The stigmas tied to online dating is nothing new. In fact, personal ads, the forerunner to the modern-day online dating profile, are where it all started, the stigma that is.  In 1727, a woman by the name of Helen Morrison was considered a pioneer, posting the first...

May 23, 2020

How To Secure A Nutraceuticals Merchant Account

You need a dependable high risk merchant account provider for your nutraceutical merchant account. The global dietary supplements industry was estimated at $123.28 billion in 2019, according to Grand View Research. The main drivers of this growing demand include increasing health concerns as well as changes in dietary lifestyles.  The demand for dietary supplements is also fueled by the growing...

Oct 13, 2015

High Risk Merchant Accounts Available from EMB

Are you a small business owner in the high risk industry? Are you struggling to find a loan from a legitimate source? Too many responsible business owners have to beg and compromise when it comes to finding cash flow because they are classified as “high risk.” And even if they do obtain a loan, banks often penalize them with high...

Feb 20, 2015

What Makes a Business or Industry High-Risk?

Have you heard the term “high-risk” but are unsure what exactly it means in the business setting? It is important to understand what being labeled high-risk would mean for your business because it can negatively affect your ability to receiving financing, insurance and merchant accounts. Knowing what to avoid and be aware of can save you time and stress later...

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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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