Mar 14, 2016

Hotels Go to War with Airbnb

New national lodging service, Airbnb, has come under fire lately. The American Hotel and Lodging Association (AH&LA) is lobbying for more government regulation of the peer-to-peer lodging company. The association argues that Airbnb should follow the same safety and health standards, and pay the same taxes as all hotels do. But Airbnb claims they are a fundamentally different business from...

Jan 18, 2016


“Profitability is coming from productivity, efficiency, management, austerity, and the way to manage the business.” – Carlos Slim Merchants in the hotel industry should take control of their credit card processing performance and find the right merchant account provider that would give them the best available terms of service. Hotel Card Payment Authorization Through authorization, card issuers approve or decline...

Dec 16, 2015


“If there is no struggle, there is no progress.” – Frederick Douglass A recent survey in the field shows that consumers appreciate the added security of EMV chip cards, but many of them consider the new transaction process to be bothering. Some consumers say they even avoid stores that require inserting a chip card into a POS terminal or using...

Nov 27, 2015

How will the Sluggish U.S. Economy Affect the Hotel Industry?

The U.S. hotel industry has continued to sail forward, despite slowing employment growth and tepid gross domestic product. RevPar, a key industry metric calculated by multiplying a hotel’s average daily room rate (ADR) by its occupancy rate, also rose for major U.S. hotels. As long as the U.S. economy does not plummet in 2016, many in the industry are anticipating...

Nov 13, 2015

Hotel Industry on the Rebound

After being in a slump, the hotel industry is finally seeing an upsurge. Experts are saying the shift is due to several factors such as; the economic recovery, easier and less expensive hotel bookings, changes in demographics, demand for more properties, and international demand.  A recent Forbes report shows that hotel owners are making more revenue per room. Occupancy rates...

Oct 22, 2015

Will EMV Chipped Cards Protect Consumers

Over 30 million cases of fraud occur every year in America. This outrageous number has led to the creation of bills designed to combat fraud, but none of the bills mention improvements to the U.S. payment security system – thus leaving Americans susceptible to fraud. Although the enactment of chip verification is a step in the right direction, many policymakers...

Oct 20, 2015

Hotels Easy Target for Hackers

Hotels have become a cyber attacker’s paradise. The latest security breach of a large hotel franchise occurred at a few Hilton Hotels (HLT) reports Washington Post. Hotels are low hanging fruit for cybercriminals as many in the hospitality industry are at the forefront of business technology, but often lag behind in the technology to keep consumer information safe. The cybersecurity...

Aug 31, 2015

Hotel Merchants Running Out of Time to Upgrade POS Systems

In only a few weeks, the payment processing system in the United States will undergo a major shift as retailers across the country upgrade their processing systems to accept EMV enabled cards. EMV or Europay, MasterCard, and Visa, has been the standard across many countries for the last decade. EMV cards are fraud deterring chips embedded within debit and credit...

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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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