Oct 30, 2017

How to Get a High Risk Bad Credit Merchant Account

It’s never smooth sailing for small upcoming business. The challenges that come with running your new business may go out of hand depending on different factors. So if you’ve suffered bad credit or bankruptcy from a previous business enterprise, then you’re definitely a high risk retailer who will need a bad credit merchant account. What’s a bad credit merchant account? These...

Sep 29, 2017

Bad Credit? How to Obtain a Merchant Account with Poor Credit With Instant Approval

To accept credit and debit cards from your customers, you will need to first secure a merchant account. Easier said than done? One of the biggest reasons merchants struggle to secure an account is because of bad credit. If your struggling with bad credit from a previous business venture – or other circumstances – you will be glad to hear...

Aug 25, 2017

Open Payment Platforms And What They Offer

The rise of APIs and the race for consumer loyalty have made payments players think of innovative solutions like never before. This has resulted in a new openness to outside developers. Both in the US and abroad, many organizations are opening up developer portals or joining open banking working groups, either by choice or by regulation. Open Access Is Spreading...

Jun 13, 2014

How to find a Merchant Account for your Business with Bad Credit

It may seem impossible to open a business if you, the owner, have bad credit. However, it is entirely possible. It may not be easy, but it is possible, and by finding the right bad credit merchant account, you are on the track to financial success. While banks and traditional merchant account processors will more than likely offer you sky-high...

Sep 03, 2013

How to get a merchant account with bad credit

We may all have our financial ups and downs from time to time, but unfortunately having too much of a bad thing can get us bad credit history. And bad credit can be a potential hindrance to almost everyone who wishes to achieve or acquire something like a bank loan or a merchant account. Although everyone deserves a second chance,...

Feb 18, 2013

How to Get a Merchant Account with Bad Credit

You’d be surprised at how many Americans have bad credit today. Unfortunately it only takes a few months to get bad credit, and often years to re-establish good credit. Having bad credit as a business owner can cause even more problems. Establishing lines of credit, leasing offices and even accepting payments from your customers can be difficult. Trouble accepting payments?...

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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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