Apr 19, 2019

Wells Fargo Begins Issuing Contactless Cards to New Customers

Wells Fargo & Co. recently announced it is launching contactless cards, which allow customers to tap and pay at retail stores and public transit hubs. The bank has already started handing out contactless cards to those who pen new consumer credit card accounts. Existing credit card customers will receive contactless versions when their current ones expire. Later this year, the...

Sep 20, 2018

Apps Improve Customer Experience: Mobile Payment Processing

In the modern technology-driven world, any retail business should use advanced tools and methods like mobile payment processing to remain competitive in the industry. Providing customers with convenience to make purchases and improving their experience play an incredibly important role in any merchant’s continuous success. Read this article to know how you can improve customer experience in today’s world of...

Nov 07, 2017

Top Mobile Payment Apps

The use of smartphones in processing credit card payments is not a new thing to many. In fact, the practice is currently well accepted, thanks to its affordable setup costs and few-commitment contracts offered by most service providers. It’s no surprise that most merchants are beginning to rely exclusively on free Android and iPhone mobile processing apps as their main...

Apr 27, 2017

Shoppers Prefer Using Mobile Devices For Paying In-Store

According to Mobile Ecosystem Forum’s annual Mobile Money Report, a recent survey in the field shows that 18% of shoppers turn to their phones to pay in-store, and 2 years ago this number was just 8%. 6.000 consumers in 9 countries were asked about their preferences concerning mobile payments. The research shows: 38% of Chinese consumers have made an in-store...

Apr 24, 2017

What Makes Mobile Wallets Successful

Consumers tend to be positive about loyalty programs, mobile ads, and chatbots and they like making a purchase from a smartphone, though they were somewhat reluctant to change their payment habits when mobile wallets appeared years ago. Retailers like Starbucks and Dunkin’ Donuts are succeeding thanks to their mobile wallets and corresponding loyalty programs. These merchant wallets are leading the...

Dec 21, 2016

Bots Will Account For $2 Trillion In Mobile Online Payments By 2021

According to a report by UK-based Juniper Research, bots and natural language interfaces making remote mobile payments will count for more than $2 trillion across the globe in the upcoming 5 years. In the next 5 years, merchants using keyword research and menu-driven systems to direct consumers to products will face competitive disadvantages. The study carried out by Juniper is...

Sep 12, 2016

Big Banks Strike Back Against Mobile Payments

Mobile payments are seemingly taking over the processing world, and banks are fighting back. Apparently not happy with these developments, banks are cutting ties with merchants who wish to accept these transactions. While it may seem okay that banks do this, stating that their safety is at risk due to the unknowns with these mobile payments, merchants are seeing red....

Jul 20, 2016

Mobile Payment Processing – New Walmart Pay Stats

Walmart Pay was first launched in December 2015. It is now officially available in all 4.600+ Walmart stores across the US. Walmart Pay is developed to provide a more inclusive in-store shopping and payments experience to its customers. Walmart Pay The QR code used in the checkout process is not used for payment processing. In fact, it provides consumer authentication...

Jan 25, 2016

Mobile Payments are Cool – and Attainable

Mobile payment option are growing every year, and everyone from teenagers to the elderly are embracing their convenience and coolness. Scanning your phone is easier than digging through your purse to find your debit card, and it accomplishes the same task. What’s not to love? Well, many processors and banks turn up their noses to this new technology, calling it...

Apr 23, 2015

Can Mobile Beat Plastic at the POS?

The mobile revolution has been coming for a long time. And now that it is here, many in the tech field are predicting the abandonment of current payment methods in favor of mobile payment systems like Apple Pay. But so far, this has not been the case. Consumers are still using the same payment methods of the past – mostly...

Award winning.

  • 2012
  • 2013
  • 2014
  • 2015
  • 2016

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.

Live Chat