Dec 06, 2017

What Does It Mean to Be a High-Risk Merchant?

Every business has its fair share of risks. That’s just how the business work works. However, some merchants face more risks than others, the extent of which significantly influences various aspects of their businesses. If you’re thinking of becoming an entrepreneur, too many high-risk factors may discourage banks and potential investors from funding your endeavor, and payment processing companies from...

Nov 08, 2017

Merchant Accounts for High Risk Businesses

Who is a High Risk Merchant? Any merchant who has one or more of the following characteristics is considered high risk: irregular high-ticket sales a record of high chargebacks Falls in an industry that major banks are not willing to support, or Any other highly regulated industry. Note that this high risk merchant account classification depends on your industry category...

Oct 30, 2017

Why Not Use PayPal for High Risk Processing?

While PayPal is one of the common options most retailers consider when looking to process credit card payments, there’s always the question of whether you can use it for your merchant account for high risk business. Unfortunately, you can’t, because they don’t accept merchants like you. Along with other payment aggregators like, Stripe and Square, PayPal is not willing to...

Oct 16, 2017

What High Risk Retailers Should Know About Merchant Account Fees

When applying for a merchant account, high risk retailers will wonder what the merchant account fees are up front once they are approved and begin running an account. This information is for your good; just so you understand why some deductions are made each time you make a card transaction. On top we’ll take you through a few merchant account...

Sep 18, 2017

It Pays to Know About Your Processing Options

The merchant payment landscape in the US is undergoing rapid technology-driven changes. Mobile, online, and social technologies have brought a real revolution in the way consumers get access to information. Also, the growth of these technologies leads to an increased demand for new services that can support multichannel commerce, big data analytics, enhanced loyalty programs and targeted advertising. Both for...

Sep 13, 2017

An Increasing Number of Jails Allow Use of Credit Cards to Pay Bail

Your card may bail you out, but at a price. Most jailers are now allowing the use of credit cards to post bail, and if you are lucky the charge could earn you bonus points that can sort you vacation expenses when you’re set free. An increasing number of jails in the United States are now offering online bail payment...

Sep 13, 2017

Third-party Payment Regulation

Regulators are augmenting their regulations in the online third-party payment business by invalidating licenses, levying fines, and establishing a central clearing platform to ensure a safe network that would go beyond all the risks in the up-and-coming industry. According to experts, such a trend will trim down the number of reckless service providers and streamline operations the industry. In China,...

Aug 28, 2017

High Risk Merchant Account Services and Fees

There are several factors that might put your business in the high risk category. One of the main reasons has to do with the higher rate of chargebacks and disputes. As a high risk business, you’ll be unable to secure a standard account with the majority of acquirers, so you should look for a respectable payment processor specializing in the...

Aug 22, 2017

How to Avoid 4 Planning-Stage Mistakes that Can Kill Your Bottom Line

E-commerce boasts 23% year-over-year growth. According to eMarketer, the leading research firm for marketing in a digital world, online sales are projected to account for more than $4 trillion by 2020. Global online retail sales are estimated to make up 8.8% of total retail spending in 2018; this number was 7.4% in 2016. With this in mind, it’s critical to...

Aug 14, 2017

Choosing the Best High Risk Merchant Account Provider

In the modern world of business, it’s become so much important to be able to accept credit cards. According to a 2016 survey by one of the payment processors, which included 1.000 consumers, 40% percent chose credit cards as a safe payment method, while 35% selected debit cards. Only 11% percent preferred cash. Consumers’ preference for credit cards grew by...

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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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