Jul 24, 2020

How To Know If Your Business Needs eCommerce Integration

A report released by eMarketer is predicting that e-Commerce sales are projected to hit $4 trillion by 2020. That comprises 14.6% of the sum total of retail spending this year. In the middle of this pandemic, the number of new online shoppers are continuing to rise and retailers are perking up to the financial potential that e-Commerce presents.  Something to...

Jul 24, 2020

Online Financial Firms In Demand Among High-Risk Businesses

High risk businesses have plenty of challenges when opening up their business. There are regulations to adhere to, they need to protect themselves from chargebacks and fraud, and they need to find a reliable merchant account provider, when most traditional banks and processors will not give them the time of day. The good thing about our modern times is that...

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 22, 2020

Credit Card Processing Tips For Small Businesses

Business competition couldn’t be more intense in this day and age. No longer does a competitive edge have to do with whether or not a business can take credit and debit cards as payment. This should actually be the standard practice for any business that is serious about growing their venture to be profitable and scalable for years to come....

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...

Jun 18, 2020

A Comprehensive Solution: Fast Payments And Total Fraud Protection

If you are looking for a comprehensive fraud solution, look no further than EMB. Credit card fraud continues to plague merchants and customers alike. As criminals are becoming more sophisticated and innovative with their tactics of stealing financial information for unauthorized transactions, more has to be done to thwart their efforts.  With the introduction of EMV credit cards, brick and...

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...

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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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