Apr 20, 2018

What is Payment Gateway, and Why It Matters to Your Online Business

If your business has anything to do with e-commerce, your have probably heard of payment gateways. But do you know what they are and how they work? And why are they necessary to profit from your online shop? If you have a lot of questions about what payment gateways are, the following information will help you. Payment Gateway A payment...

Sep 14, 2017

The Importance of Payment Gateways for E-Commerce

If you’re running an e-commerce website, you can’t do without a payment gateway. A payment gateway can be characterized as the mediator between e-commerce sites and the payment processor. This system is required for secure payments authorization for your e-commerce website. Why Do You Need a Payment Gateway? Payment gateway systems can be viewed as the digital equivalent of credit...

Feb 14, 2017

Online Payment Gateways: What they Are, and How They Work

If you’re the owner of a brick-and-mortar business, you have probably adopted credit cards as one of the primary methods for your customers to make payments. For that purpose, your merchant account provider has likely installed a point-of-sale terminal on your counter. Despite having the same payment processing needs, online traders don’t have the luxury of physical premises. So, rather...

Aug 12, 2014

Merchant Account For Your High Risk Bail Bond Business

Depending on your line of business you own, will depend if applying for a merchant account is easy. Some business is considered as high risk and this means that many merchant companies won’t offer their services. However, there are some merchant accounts that deal specifically with high-risk businesses and will accept applications and even offer a bail bond merchant account,...

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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 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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