Dec 27, 2019

High-Risk Merchant Account — What Is It? How Does It Work?

If you are starting a small business, you know that it’s imperative to give your customers the option to pay you via debit or credit cards. If you are exclusively an eCommerce business, then, this is the only option you have for getting paid. But before you open for business, you need to find a payment processor who acts as...

Dec 13, 2019

The Next 10 Years in The High-Risk Merchant Account Industry

Running an e-commerce business isn’t easy unless you provide your customers with secure payment options. Importantly, there’s no growth without working with a trustworthy payment processor in your field. What about a high-risk merchant account? This article is here to help you with all his. High-Risk Merchant Account Reliable, low cost and secure high-risk credit card processing is key to...

Nov 21, 2019

Instant High Risk Merchant Account Solutions

High-risk businesses looking for a place in the online marketplace must worry about the future of their payment processing. A high-risk merchant account is a must-have if you are going to process transactions online. But getting your hands on the right account for your needs can be a hassle because of the bad attitude towards risky industries. Yet the ability...

Nov 14, 2019

High-Risk Merchant Account Solutions with Offshore Merchants

An offshore merchant account is one which is used for e-merchants who are processing payments through their website in countries that they don’t live in.  There are many reasons why a merchant would want to have an offshore account, including less stringent approval standards abroad. Being an offshore merchant can also be a great option to extend the services of...

Oct 30, 2019

A High-Risk Merchant Account Effectively Develops Your Business Globally

Being a competitive merchant means providing your customers with a variety of secure payment options. In a world where cash is no longer king, credit and debit card processing takes priority for any business. But, businesses also need to consider processing transactions through PayPal, eWallets, transfers, cryptocurrency and other options as they become more in demand. In order to do...

Oct 11, 2019

This Might Be the Reason Your Business Was Flagged as High-Risk

You have the business, the right products and/or services, the website filled with information, and some good employees. Now you want to expand your payment options to include credit and debit card processing. That should be no problem for a legitimate business like yours, right? Actually, many businesses are surprised to find that qualifying for an online payment gateway is...

Sep 27, 2019

FDIC Recants “High-Risk” Merchant List Featuring Coin Dealers

Operation Choke Point proved to be a potentially menacing attack on legally operating “high risk” businesses. These businesses were targeted by powerful bank regulatory agencies whose sole purpose was to permanently sever relationships between merchants and their banks and potentially shut down their businesses. Choke Point was a multi-agency operation in which several government entities launched a campaign of threats...

Sep 20, 2019

7 Things You Should Know About Having a High Risk Merchant Account

The High Risk Merchant Account: The Good, The Bad, and The Downright Ugly. High risk merchant accounts can be fraught with complexities and difficulties. It is crucial that you are fully informed of its trappings and unscrupulous practices before you sign your contract. To help you, here are 7 things you need to know before you apply for a High...

Aug 05, 2019

FDIC Shifts Ground on its Controversial “High-Risk” Merchant Category List

A few months ago— the Wall Street Journal featured news that the court had made a decision on a lawsuit fined by Lenders against the FDIC. It meant than banks must not rely anymore on a list of “high-risk” categories released by the FDIC— among them coin-trading merchants. And now, it seems like the Federal Deposit Insurance Corporation has backpedaled...

Apr 26, 2019

What Are the Highest-Risk Products Being Sold Online?

When it comes to the very profitable supplement and nutraceutical market, payment facilitators need to pay attention and keep up. Though new products enter the market every day, payment facilitators must keep an eye on trends so they can mitigate risks while continuing to approve and monitor merchants. The best approach is to maintain a list risky products that have...

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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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