Aug 24, 2020

What You Should Know About Merchant Accounts and Services

As of April 2020, online payment methods accounted for more than 58% of payments processed:  merchant accounts were the only means to handle that. To learn more about merchant accounts and services and discover a unique merchant processor, keep on reading this post. Merchant Accounts and Services Don’t think of a merchant account as a service: it’s a collection of...

Aug 22, 2020

How 5G Can Improve Merchant Payment Processing

5G is developed to make a real revolution. This refers to both how people make purchases, pay, use financial services, and not only. Due to 5G, retailers dealing with merchant payment processing can expect more advanced technology solutions offered by high risk merchant account providers. This means increased speed and security associated with transaction processing. Let’s move forward to reveal...

Jul 23, 2020

Credit Card Processing Tips for Jewelry Merchants

The jewelry and watch market is expected to grow to a $408 billion industry by the end of 2019. This outgrowth has been stimulated by the growing prevalence of online stores. It is estimated that online sales for the global jewelry industry will comprise 25% of total retail sales by 2020. With this growing trend, it is no wonder that...

Jul 16, 2020

Nine Ways Gas And Convenience Owners Can Slash Fraud Risk

As the April 2021 deadline for the EMV Compliance liability shift is forthcoming, both gas and convenience owners need to get onboard to upgrade their “forecourt” as well as all other payment systems.  Brian DuCharme, Vice President of Product Management at TNS made this announcement: “While some fuel retailers have been hesitant to upgrade, the reality is that the time...

May 05, 2020

Coin Dealer Merchant Accounts

Coin dealer merchant accounts alleviate complexity and facilitate payments . Investing in gold and silver has proven throughout the ages to be highly profitable. However, it is also highly risky. The market is always volatile and laws and regulations are in constant change as well. This constant change gives rise to instability. Luckily, gold and silver do not fluctuate in...

May 05, 2020

How To Secure A Gold and Silver Coin Dealer Merchant Account

A gold and silver coin dealer merchant account will satisfy all your credit card processing needs. Finding a reputable coin dealer merchant is no small task. Customers want to ensure that they are purchasing products that are genuine and from legitimate dealers. In order for businesses to process payments, whether it’s by phone, online or in-person, they need to ensure...

Apr 27, 2017

Do You Know What Questions To Ask Your Credit Card Processor?

If you’re running a business, you’ll need to accept credit/debit cards. This means you should hire a third-party processing firm, which is known as merchant account providers or aggregators, that will manage the transaction between you and the card issuers. Before you could choose a credit card processor for your business, you should know the right questions to ask. If...

Apr 13, 2017

Apply Pay As The Top In-Store/Online Mobile Payment Option

Based on the 18th annual POS/Customer Engagement Survey by Boston Retail Partners (BRP), 36% of retailers accept Apple Pay. PayPal held the 1st place in 2016, and this year, took the 2nd place with 34% of retailers accepting the payment method. Apple Pay and Other Payment Options According to Boston Retail Partners, Apple Pay has the largest percentage of supporting...

Feb 14, 2017

Why Every Online Retailer Should have a Merchant Account

Unlike physical stores, which can make use of traditional payment methods such as cash and checks, the only way customers can pay an online retailer is through a merchant account. Such an account enables the holder to accept payments in credit and debit card form. With multiple forms of payment at a merchant’s disposal, he or she can capture and...

Feb 10, 2017

Choosing the Best High Risk Payment Processing Company for Your Business

For a modern-day business, accepting credit cards for payment is one of the factors that directly impact success. Gone are the days when customers used to walk into a retail shop with loads of cash or a paper check. Today, everyone wants the option to choose whatever payment system is convenient at the time. To accept card payments, your business...

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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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