Dec 15, 2015


“The secret to success is to know something nobody else knows.” – Aristotle Onassis Credit card payment processing is required for almost any business. Most customers expect merchants to accept both credit cards and cash. Customers consider credit cards as a convenient way of payment processing. It is extremely important to choose the right payment processor to enjoy seamless service...

Nov 02, 2015

FDIC Withdraws Hit List of High Risk Merchants

The Federal Deposit Insurance Corp (FDIC) has withdrawn a list of merchant types that it had formerly labeled “high risk.” The list included merchants like debt collectors, payday lenders, adult entertainment and others the FDIC felt needed heightened scrutiny. The list was developed as a way to monitor certain types of merchants from taking advantage of the FDIC system. But...

Oct 30, 2015

Selfie Verification Can Save High Risk Merchants

A rash of cyber-attacks and identity theft has created an urgent need for payment processors, retailers, and financial institutions to utilize better identity verification technologies to protect consumers and their own assets. Major financial companies and merchants have turned to built-in devices in mobile phones to lower instances of identity theft. Selfies are no longer just for posting on social...

Aug 27, 2015

High Risk Merchants Say Yes to Virtual Gateway Solutions

Too many businesses still have old, outdated payment systems that inconvenience owners, workers, and the general public. Why live in the past where you have to worry about incompatible systems and manual bookkeeping? These methods often result in delayed funding times and exorbitant costs. The fact is there are much better, faster payment processes that will save individuals time, money,...

Jun 23, 2015

High Risk Merchants Still Have Hope

Are you a responsible business owner who still can’t get a loan or merchant account? Many legitimate businesses are unable to get merchant accounts because they are classified as “high risk.” Even if they do find a bank for payment processing, they may ask for a higher processing rate to counteract the perceived risk. Some banks can even request a...

Apr 22, 2015

New Legislation Could Leave Your E-Cig Business in a Jam if You Are Not Prepared

E-Cig merchants should already know of new changes surrounding many states and e-cig sales. The changes involve the inability in many states to sell to minors, i.e., those under 18 years old. While the change is strictly watched in law enforcement, many do not realize that these changes are also being watched by merchant account processors. While fake ID’s are...

Mar 23, 2015

High Risk Merchants Struggle with PCI Compliance

The newest version of the Payment Card Industry data security standard (PCI-DSS) went into effect on January 1, 2014. This means that all merchants must comply with these standards by October of 2015. The changes in PCI DSS 3.0 are detailed on the PCI Security Standards Council Website, but there are three major changes going into effect that will influence...

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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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