Jun 24, 2016

What to Do When Your Merchant Account is Shut Down | High Risk Account

Have you had your merchant account shut down because your provider suddenly felt that your business was “high risk”? Never fear…you are definitely not the only one. Thankfully, traditional providers are not the only option you have. Alternative lenders – like EMerchantBorker.com – specialize in working with business types considered to be “high risk”. A high risk specialist is more...

Jun 24, 2016

Venmo Under Investigation for ‘Unfair and Deceptive Practices’ by FTC

In January of this year, popular peer-to-peer (P2P) payment service, Venmo, crossed the incredible milestone of $1 billion in payments over the course of a single month.  Owned by PayPal, Venmo has surpassed all Wall Street expectations. However, a recent development may prove to be a very unwelcome change of pace for the company. It was recently disclosed by PayPal...

Apr 21, 2016

How High Risk Merchants Can Limit Fraud

High-risk businesses are associated with higher rates of chargebacks and disputes. Fortunately, it is possible to limit payment transaction fraud and reduce chargebacks. With the right chargeback protection and prevention programs available in the high-risk industry, merchants can successfully fight fraud and minimize chargebacks. The Cause of Chargebacks Chargebacks appear after a customer files a dispute with his/her bank with...

Feb 29, 2016

Are Consumers Over Shopping Malls?

Shopping malls were the hang out place, the shopping place, and the Santa Claus visiting place for many decades. However, thanks to the internet and a mass of online retailers for just about everything, shopping malls are not as popular as they once were. Merchants may have an ace in the hole to combat the downfall of brick and mortar...

Feb 20, 2016

What Can High Risk Merchant Account Holders Expect From AMEX in The Future

American Express has recently talked about its quarterly results. The company is going to cut its expenses by nearly $1 billion within 2 years. American Express’ Results In 2015, MPD CEO Karen Webster said American Express could probably benefit by closing out everything except for Amex’s commercial card portfolio. The latter counted for fewer acceptance limitations, high transaction values, and...

Feb 20, 2015

Credit Card Processing for the High Risk Merchant

Are you a new business or are considering opening a business that is considered “high risk”? Are you unsure of how to secure payment processing for a business with such a label? Believe it or not, the process is not as difficult as it may seem upon first glance. A merchant account may be the answer you are looking for....

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...

Nov 12, 2013

What you need to know about High Risk Credit Card Processing

Although you may not be able to get a traditional merchant account because of your high risk status, if you seek out the high risk teams, they can help you all the way. Check out their live chat and talk to a representative. Ask all the questions you need answered before you decide you want to take out a merchant...

Nov 04, 2013

Understanding High Risk Merchant Account Reserves

A Reserve is just a fancy way of saying, “You are new to the game of merchant accounts and we will have a backup plan.” It’s not something fancy, just precautionary. As you are new, they just want to make certain that if you have a chargeback, or refund, that money is there in case you default with the customer....

Oct 25, 2013

Understanding an adult dating merchant account — Journey To Finance and Love

Everyone wants to feel loved and beautiful. Whether you are a man or a woman, you don’t always like the feeling of being alone. You can be alone and not be lonely, and then there are those moments when silence is deafening. So, it’s a strong understandable thing to go looking for love on a website. If you can’t find...

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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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