Nov 20, 2019

Protecting Your eCommerce High-risk from Reverse Charges

Taking credit card payments is the order of things when it comes to online customer-retailer relations. And to be able to accept cards, debit or credit, you must have access to a merchant account. Normal businesses will find many willing merchant account providers but those classified as high-risk for one reason or another must hassle hard or look in the...

Oct 18, 2019

Why Processors Close Some High Risk Merchant Accounts

Launching and maintaining a profitable business is riddled with challenges and unpredictability.  If you happen to be a high-risk merchant, the complexities are only multiplied. Banks are reluctant to provide high-risk merchants with a merchant account for various reasons.  High-risk industries are rampant with fraud, chargebacks, poor reputation, and more. Banks are simply unwilling to take these types of risks....

Jan 08, 2019

Where To Find the Best High Risk Merchant Accounts

As a high risk merchant, it’ll be pretty challenging for you to find a reputable merchant account provider to start accepting online payments. This article is here to help you get a better understanding of high risk payment processing and know where you can get the best high risk merchant accounts to grow your business. High Risk Business & High...

Oct 23, 2018

High-Risk Merchant Accounts | Cracking the Code

Obtaining high-risk merchant accounts can be uphill battles if you do not know what to expect and how to make your business more palatable to merchant service providers and their underwriters. Understanding how lenders think about certain businesses and what steps they can take, make getting high-risk merchant accounts that much easier. What Makes a Business High Risk Banks and...

Jul 23, 2018

Why Processors Suspend Legitimate High Risk Merchant Accounts

Are you worried about your payment processor while running your business online? Do you wonder when your processors can suspend or terminate high risk merchant accounts even if they’re legitimate? This article will tell you about the reasons and help you solve your issues. Why Is Your Merchant Account Suspended or Closed? When working with payment processors, it’s of huge...

Jun 25, 2018

Mobile Wallets and High Risk Merchant Accounts

Thanks to the rise of the mobile device, digital wallets enabling purchases either in-store, online or in-app account for various advances in the field. What have changed mobile wallets in the world of payment processing? Are you a high risk merchant? Are you interested in high risk merchant accounts? How can you obtain one easily? This article will give answers...

Jan 31, 2018

Cigar High Risk Merchant Accounts

The statistics that exposed non-combustible tobacco forms are much less harmful than combustible types have speeded the shifted to electronic cigarettes. However, custom pipes, vapes and luxury cigars are still high on demand. This explains why the tobacco industry stays strong regardless of its high-risk nature. But sometimes the stringent state regulations, the complexity of selling tobacco online and extreme...

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...

Sep 19, 2017

High Risk Industries Back To Life—Current Administration Terminates Operation Choke Point

President Trump’s administration surely deserves a round of applause for terminating the contentious Operation Choke Point, a repressive program that tortured many legitimate businesses. The Federal Deposit Insurance Corporation launched this discriminatory operation when they categorized certain industries as “high-risk” due to the type of activities. This declaration sent a red light to all the banks it controls to shun...

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...

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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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