Feb 22, 2018

High Risk Payment Processing: Your Options

Is your business considered high risk? Have you already been turned down by many credit card processors? What’s the way out? How can you get approved for payment processing? Read this article and you’ll get answers to all your questions. When Your Business is Labeled as High Risk Many small businesses and startups have innovative ideas and want to put...

Jul 24, 2017

The Progress Faster Payments Has Had

The initial discussions around Faster Payments date back to 2013. However, there is still much work to be done and there are several major challenges to be overcome. If you take the example of countries like the U.K., Australia, and Mexico, you’ll see they’ve applied a more prescriptive approach to the process of faster payments development. Standards and roles are...

Jun 30, 2017

How to Reduce Reserve Rates for High Risk Merchant Accounts

Is your business tabbed as high risk? Do you need to open a merchant account to grow your business, but you aren’t sure you can afford the high reserve rates? If you’re trying to find a way that will help reduce the rate you will have to pay, be aware there are ways to help lower reserve rates. Below you...

Mar 24, 2017

Payments Competition In The World | High Risk Payment Processing

Many countries focus on establishing and protecting their own payments networks as national champions. This blog post discusses the national payments networks cultivated in different countries and the overall payments competition existing in the world. The Payment-Networks Market in the US The payment-networks market in the US is wide open for competition and is the most competitive one in the...

Feb 10, 2017

Choosing the Best High Risk Payment Processing Company for Your Business

For a modern-day business, accepting credit cards for payment is one of the factors that directly impact success. Gone are the days when customers used to walk into a retail shop with loads of cash or a paper check. Today, everyone wants the option to choose whatever payment system is convenient at the time. To accept card payments, your business...

Sep 13, 2016

What You Need To Know About Finding a Payment Processor

So, you’re opening a business and you need a way to take payments. You will need to find a payment processor – specifically a payment processor that is not PayPal. This can take as little as a Google search to find, but what are you really finding? And what are you looking for? Many startup merchants are not really sure,...

Jan 18, 2016

HOW SECURE IS PIN AND SIGNATURE DEBIT

“Whilst usability is key for payments, security is a necessary condition for people to use them.” – Peng Ning According to the surveys carried out by the Federal Reserve, consumers consider security to be the top feature of payment methods. However, other payment characteristics like record keeping, cost, and convenience aren’t regarded as less important characteristics. The Difference Between PIN...

Apr 23, 2015

EMB Has All of Your Merchant Payment Processing Needs

When it comes to finding a one-stop-shop for business financing, funding, and payment processing, it’s usually a difficult process. Few reputable companies exist, and often times there are strict guidelines as to what types of companies they will deal with. If you have a high-risk categorized company, or have less than great credit, you need to turn to EMB for...

Mar 23, 2015

Boost Your Profits with High Risk Payment Processing

American Express has experienced a small shakeup. The credit card company’s contract with warehouse retailer, Costco Wholesale Corp., is coming to an end. On Monday, Costco announced an agreement with Citigroup Inc. Costco also announced a companion agreement with Visa, which ensures that MasterCard Inc. cards will not be accepted at the retailer. This type of “non-dual” acceptance is rare...

Mar 20, 2015

5 Guidelines to a Profitable Payment System

The future of payment systems is bright. This year, the world has seen the integration of payment systems into the lives of consumers, and the evolution of payment technologies in general. This is because of software-development technology that makes it easier to code, the ability for apps to do functions that used to require special hardware, regulators who encourage innovation,...

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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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