Mar 18, 2015

How Data Breaches Have Affected High Volume Businesses

Data breaches have hit all businesses hard, as well as processors. Many processors are changing the way they operate, as well as how much fraudulent activity they tolerate. While data breaches can happen with any business – even businesses with great security – they tend to happen more with businesses that have a high volume of transactions. This is why...

Feb 27, 2015

MasterCard’s Quarterly Profit up by 21% from Increased Transaction Volumes

MasterCard Inc. Quarterly Profit increased 21% in net income for 2014’s fourth quarter.  Aided by higher transaction volumes from U.S. and international sales, MasterCard reported  an $801 million profit versus $684 million a year before. With net revenues of $2.42 billion, adjusted for foreign-currency effects and excluding special items, from $2.13 billion at the end of 2013. Debit and Credit...

Mar 28, 2014

Why eMerchantBroker is the Best High Risk Merchant Account Provider

What are you looking for in a merchant service program? Do you need a better residual split and a phenomenal free equipment program? Are you looking for a company that provides bonuses and residues? Perhaps you are just looking for the best. Regardless of your situation, eMerchantBroker.com is the right choice for you. eMerchantBroker.com is changing the way business owners...

Nov 04, 2013

Understanding High Risk Merchant Account Reserves

A Reserve is just a fancy way of saying, “You are new to the game of merchant accounts and we will have a backup plan.” It’s not something fancy, just precautionary. As you are new, they just want to make certain that if you have a chargeback, or refund, that money is there in case you default with the customer....

Oct 15, 2013

Collection Agency Processing Needs Handled Right

A collection agency has a tough road to hoe. The act of getting a merchant account is not as simple as it seems on paper. They fall into the high risk area of the merchant accounts and unless you can prove you have started that legitimate business, you have a lot of work ahead of you. A lot of the...

Oct 14, 2013

How to Succeed With Smart High Risk Merchant Accounts

Most of the nation’s merchant accounts operate in the high risk area. It’s not something that you should worry about. It just means that you run the risk of having chargebacks. What the heck are chargebacks you ask? Simply put, they are refunds that went awry. Let’s explain that Pretty much any business you know of will have refunds. The...

Oct 07, 2013

How to Succeed With Smart High Risk Merchant Accounts

A high risk merchant account is the best account a merchant can have if you are in the high risk pool. It doesn’t necessarily mean that you are a high risk, it just means that you have three things against you. One; you are new to the merchant servicer and two; you have no credit to your history and three;...

Sep 19, 2013

Merchant Accounts for Lawyers and Legal Services

Like any business, Lawyers have monetary needs like all merchants, to collect their income as quickly and expeditiously as possible. So, it’s not a stretch to learn they use some merchant accounts to accept payments from their clients with a debit or credit transaction. What kind to use Some companies have separated their business out and made it specific for...

Sep 19, 2013

High Risk Merchant Accounts without a “Reserve”

A merchant servicer has many ways of protecting themselves. They can charge a higher interest rate, or have the customer pay into a reserve account. With a high risk account, they need to be a little more progressive, as most of our everyday businesses are in the high risk range. The merchant servicers need to protect themselves, without going overboard...

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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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