Oct 30, 2017

Why Not Use PayPal for High Risk Processing?

While PayPal is one of the common options most retailers consider when looking to process credit card payments, there’s always the question of whether you can use it for your merchant account for high risk business. Unfortunately, you can’t, because they don’t accept merchants like you. Along with other payment aggregators like, Stripe and Square, PayPal is not willing to...

Sep 25, 2017

Is Switching Merchant Processors Difficult?

Not really, it’s easy. Most merchants endure unbearable service fees with their merchant processors for the fear that the switching process would be a hell of a task. But once you decide you’re fed up and want to make a change, here are the things you need to know: Do I have my own terminals or are they leased? Does...

Apr 28, 2017

Guide To High-Risk Merchant Accounts

In the modern world of business, you cannot do without a merchant account to successfully run and grow your business. Below you can read some important issues related to finding a processor and opening a merchant account for your business if you’re classified as high risk. If you’re looking for a payment processor to open a merchant account for your...

Mar 03, 2017

What You Should Do To Get a Merchant Account For Your New High-Risk Business

Traders in high-risk industries usually have it rough when trying to acquire merchant accounts. Despite the increasing popularity in credit card payments, not many card processors are willing to lend their services to high-risk enterprises. As the owner of a new business, you’re probably already in the high-risk category. Why? Because from a payment processor’s point of view, it isn’t...

Feb 20, 2017

Making a Smooth Switch from Your Current Merchant Account Provider to the Next One

If for whatever reason you’re dissatisfied with your current payment processor, it is time to jump ship. It makes no sense sticking to a firm with high rates, service problems, poor customer support or any other issues that impede your peace of mind. Unless it’s done in the best way possible, moving from one merchant services company to another can...

Oct 06, 2016

You Learned That You Need a High Risk Merchant Account | How to Get One

Are you a high risk merchant looking for a credible payment processor? Are you tired of being rejected or subjected to high interest rates by banks? More and more high risk merchants are realizing that their best shot at easy payment processing and profits is through online lenders and payment processors. These revolutionary businesses provide convenient and comprehensive services to...

Apr 28, 2016

The U.S. Was The Last Market To Adopt EMV Chip Cards for High Risk Processing. Why?

EMV cards (Europay, MasterCard, and Visa) offer a new type of credit card processing in the U.S. These are chip cards that feature a small microchip and offer improved security against counterfeiting. EMV Chip Cards Vs Mag-Stripe Cards Chip cards are designed to process differently. Unlike magnetic-stripe cards that should be swiped, chip cards need to be dipped and require...

Feb 14, 2014

High-Risk Merchant Credit Card Services Make Customers Rich!

Although vast advantages of accepting credit cards via Cyberspace are readily available to most e-merchants, gaming and adult vendors lag seriously behind in the race for virtual reality revenue. That avenue to awesome profit has been closed to those industries because of perceived excessive risk. Merchant account providers cite many stats as facts to back up policies of blanket denial...

Dec 04, 2013

How the voice of the nation is getting heard for the high risk processing world

The merchant account processors heard the cry of merchants all across the nation. As banks closed their trust on the very people that pulled them up by the boot straps, servicers all over opened their doors. Flooded by requests, they have strived and grown to the very detriment of the banking industry. Here’s hoping the dust from the boots of...

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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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