Oct 09, 2017

Tips to Improve the Security of Your Small Business

Running a business is associated with a myriad of important things, including security issues. As a small business owner, you should be on the hook for not only sales, marketing, accounting, merchandising, etc. but also for both physical and online security of your small business. Here are steps to take to improve the security of your business: Physical Security Install...

Jul 17, 2017

When the Merchant Says “No” | The Agents Point of View

Outright rejection from a merchant is a common sales-agent experience. Getting through the initial rebuff to having a conversation with a merchant requires enough practice, skills, and preparation from the part of agents. According to the president of one of the companies in the field, you can stand out from the crowd by focusing on things no one is paying...

May 05, 2017

How You Could Benefit From Accepting Credit Cards Online

Last year, the research showed there was a rapid decline in cash payments. 55% of the nation’s 27 million small businesses didn’t accept credit cards, and because of this they potentially missed out on $100 billion in annual sales. Even though cash continues to be the most commonly accepted payment type for small business owners, accepting credit cards counts for...

May 05, 2017

What You Should Know About Merchant Services

Merchant services can be characterized as a broad array of financial services that a business can use. Merchant services usually refer to merchant processing services that allow for accepting a transaction payment through a secure (encrypted) channel using the customer’s credit card or debit card or near-field communication (NFC)/radio-frequency identification (RFID) enabled device. Getting a Merchant Account To accept credit/debit...

Apr 28, 2017

Guide To High-Risk Merchant Accounts

In the modern world of business, you cannot do without a merchant account to successfully run and grow your business. Below you can read some important issues related to finding a processor and opening a merchant account for your business if you’re classified as high risk. If you’re looking for a payment processor to open a merchant account for your...

May 27, 2014

The U.S. Sees the Return of Online Gaming

The passage of the federal Unlawful Internet Gambling Enforcement Act in 2006 banned processors and banks from any handling of online-gaming transactions. The major turning point for online gaming came with the interpretation of the 1961 Wire Act in December 2011. The U.S. Department of Justice released a memo with the interpretation of the act being that it applied only...

Nov 04, 2013

The benefits of opening a Travel Agency Merchant Account

There are so many ways to help your business along. Technology, Facebook advertising, socially mediatizing yourself, and taking the time to find the best merchant account you can. • With a Travel Agency Merchant account, it opens the doors for payments all around the globe. Twenty four hours a day people can be paying their fees while you sleep. •...

Oct 27, 2013

Did Silk Road kill Bitcoin?

Silk Road, the black market online marketplace was recently shut down by the FBI and it’s operator arrested in San Francisco, CA. The story has been trending on the Internet. Most people were unaware of the website, which was an online marketplace similar to ebay or craigslist, with one major difference. The site was openly selling cocaine, lsd, crystal meth...

Oct 14, 2013

Is PayPal Holding Your Funds?

Some disturbing facts have come to light about PayPal and their policies with your money and release of funds. Most states have a law in place that works like this: “Every licensee or its agent shall forward all money received for transmission or give instructions committing equivalent money to the person designated by the customer within 10 days after receiving...

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...

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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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