Jun 13, 2017

Turn to EMB for Direct Response Marketing Merchant Accounts

  The Direct Marketing Association reports the market has been more agreeable in the past a few years for direct marketing companies. Direct marketing campaigns in all channels have accounted for over $1.7 trillion in annual sales through the US economy. If you are searching for efficient and secure solutions for direct marketing credit card processing, you should turn to...

May 04, 2017

EMB Can Take Over Your PayPal Merchant Account

13 years have passed since eBay acquired PayPal in a $1.3 billion deal. Now, eBay and PayPal are separate companies facing the highly competitive e-commerce world on their own. According to analysists in the field, the separation will help PayPal grow more quickly and fight the competition in the mobile payments space more successfully. eBay and PayPay as 2 Separate...

Dec 28, 2016

7 Points To Consider Before Partnering With A Payment Processor

As soon as the retailer accepts the transaction, the information has to be transmitted to a verified payment processor to be completed. A payment processor completes the transaction by sending data between the merchant, the merchant’s bank, the consumer’s card and their bank. A payment processor is the company providing the hardware at a storefront location. A payment processing partner...

Dec 21, 2016

Stolen Cards, Gift Card Exchanges, And Credit Cards

Hackers selling a batch of 50-100 credit card numbers can get $250.000 – $1 million. A buyer can make $2 million – $8 million using these stolen card numbers. As for the risks, the deal is riskier for the buyer than the seller. The data was provided by a research team led by Thomas Holt, a criminologist at Michigan State...

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,...

Jul 20, 2016

MasterCard Giving 40 Million Micro And Small Merchants Access To ePayments

In 2015, MasterCard set its Universal Financial Access 2020 goal to connect 40 million micro and small merchants to its electronic payments network in the upcoming 5 years. MasterCard’s Universal Financial Access 2020 Commitment Since 2013, over 200 million people, who were previously excluded from MasterCard’s financial mainstream, have gotten access to programs and services provided by the company. The...

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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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