May 06, 2021

B2B E-commerce Marketing Strategies To Drive Conversion

B2B E-commerce Marketing Strategies To Drive Conversion Like any other online business, your B2B e-commerce initiative cannot work effectively without a solid marketing strategy to back it up. B2B customers want timely, relevant, and accurate product/service information before deciding to purchase online. And digital marketing plays a critical role in providing them all the data they need while also increasing site traffic...

Apr 22, 2021

Invisible Payments: Visible Benefits & Risks

Invisible payments come with visible advantages and risks. Given merchants are now dealing with a rapidly evolving market, invisible payments are gaining more and more traction. Follow the lines below to dig deeper into the topic and find an exceptional payments expert to work with.  Invisible Payments  The explosion of new technologies has accelerated the growth of the payments industry....

Apr 21, 2021

How High-Risk Merchant Services Can Help CBD Companies with Payment Processing

Cannabidiol, commonly known as CBD, has been famous in recent years for its potential health benefits. Many companies offer CBD in the form of various products such as oils, tablets, edibles, and topicals like creams and lotion. It is why there is no surprise that the CBD market has been growing at a significant pace since more and more people...

Apr 12, 2021

Why Your Gaming Company Is High-Risk And What To Do About It

According to Newzoo’s findings, by 2023, it is estimated that the global gaming market is set to exceed $200 billion. Since the COVID-19 lockdown, interest in online gaming has only surged. With a sudden influx of new gaming customers, revenue has escalated significantly. The market is definitely ripe for continued growth and gaming companies are beginning to see the great...

Apr 12, 2021

Accepting Credit Cards Online

For any online retailer who desires to grow and stay on the path of online retail success, taking credit and debit card payments is an absolute must.  The greatest challenge is determining the best payment processor. Choosing the wrong processor can result in paying exorbitant fees, lost revenue due to fraud, and lack of conversion due to security issues. Your...

Mar 30, 2021

EMB Shares Tips for Merchant Service Agents To Succeed

EMB is a leader in the high risk payment processing industry. As a sales agent, you can provide your clients with credit card processing services from top providers such as Global, First Data, TSYS, including 25+ banks and PSPs throughout the world.  EMB offers important tips for merchant services agents to be on top of their sales game and wipe...

Mar 30, 2021

Where To Locate A Merchant Account For Your Online Business

When you decide to embark on the journey of launching your own online business, there is much to consider. The most important goal is having the capability of accepting credit payments. In order to make this happen, you will need to acquire an internet merchant account.  Like any service you seek, you must be keen on knowing what you will...

Jan 12, 2021

Contactless and Card Payments, Redefining Digital Transactions

According to Global Market Insights, it was discovered that the global smart card market is anticipated to hit $65 billion by 2025. The smart card, also known as the contactless card, is unequivocally the most accepted form of payment.  The outbreak of the pandemic earlier this year has also driven many customers around the world to adopt contactless methods of...

Jan 11, 2021

Optimizing Omnichannel Merchant Needs Via One Provider

An omnichannel retail strategy links all channels in order to provide a “fully-integrated shopping experience”. It also provides a seamless shift across all existing platforms.  Another benefit with an omnichannel strategy is that critical customer data and insight derived from several channels are brought together to create a “unified customer profile”.  Through this, the merchant is equipped to offer their...

Jan 08, 2021

Is My Business High Risk? 5 Credit Card Processing Tips Explained

Being a high risk merchant does have its challenges, especially when you are trying to secure a payment processor. The reality is that most payment processors don’t want to carry the risk that a high risk business entails.  Typically, high risk businesses are more likely to attract chargebacks and fraud. This means that any costs associated with this will likely...

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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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