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...

Apr 28, 2016

Is EMV More Secure For High Risk Merchant Accounts?

Modern businesses are now accepting both contactless or Near Field Communication (NFC) and EMV (Europay, MasterCard, and Visa) payments. The stage of accepting magnetic-stripe cards is coming to its end. NFC and EMV are considered more secure and authenticated methods of making payments. Let’s compare magnetic stripe and EMV cards to see why smart chip cards are regarded as more...

Jun 05, 2014

Tips on how to apply for a high risk merchant account and get approved   

There are certain tips you should keep in mind when it comes to obtaining a high risk merchant account. One very important thing to consider is your merchant account provider itself. According to Gareth Sales’ article for Rocksalt International, “Tips to keep in mind when applying for a merchant account”, “A good merchant account provider is very much like a...

May 27, 2014

Consumer Debt Shows a Growing Confidence in Economic Recovery, and Business Opportunities

It is believed that a strengthened economy equals more spending. This is currently true, at least according to numbers from Equifax. While increased debt is not necessarily good for consumers, it is good for the economy, as it shows interest in spending and loans. It is also good if you are thinking of starting a collections business; however, finding a...

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...

Apr 26, 2014

High-Risk Merchant Accounts Lucrative Business for eMerchantBroker

  Finding a niche to build a business on is no easy task, particularly when your industry earns you the ‘high risk’ stigma. For the majority of ‘high-risk businesses’ finding a high risk merchant account can be a daunting task. Enter eMerchantBroker. EMB finds a payment processing service solution tailored for your business. Founder Blair Thomas had over ten years...

Feb 14, 2014

High-Risk Merchant Credit Card Services Make Customers Rich!

Although vast advantages of accepting credit cards via Cyberspace are readily available to most e-merchants, gaming and adult vendors lag seriously behind in the race for virtual reality revenue. That avenue to awesome profit has been closed to those industries because of perceived excessive risk. Merchant account providers cite many stats as facts to back up policies of blanket denial...

Jan 06, 2014

Breaking Down Wireless Payment Processing vs. Square for High Risk Merchants

Mobile payment apps, wireless terminals, and online payment processing is changing the way retail works with regards to credit and debit card transactions. Any business now needs to have the ability to enable their app-savvy consumer base to make purchases as they peruse a business’ products. There are options available to merchants as to what is the best mobile payment...

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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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