Oct 10, 2019

Brexit is Threatening the Value of the British Pound

The British pound sterling has been around since the eighth century and is the oldest currency still in use around the world today. The reason for this is mostly due to the explosive growth of Britain in earlier centuries. That growth in power bolstered the value of the pound throughout the centuries.  Because of that, there has been a culture...

Oct 10, 2019

CBD Market Boom Could Grow Even More With FDA Regulations

There’s no doubt about it; the popularity of CBD is exploding and mainstream products are popping up all over the market. In fact, estimates place the growth to exceed $5 billion in 2019, which is a 700% increase from 2018.  Medicines to treat medical disorders, such as Epidiolex, are making huge waves in the market, and everyday products ranging from...

Oct 01, 2019

CBD Market Boom Could Grow Even More With FDA Regulations

There’s no doubt about it; the popularity of CBD is exploding and mainstream products are popping up all over the market. In fact, estimates place the growth to exceed $5 billion in 2019, which is a 700% increase from 2018.  Medicines to treat medical disorders, such as Epidiolex, are making huge waves in the market, and everyday products ranging from...

Sep 30, 2019

Fraudulent Account Takeovers Increase in the UK

Account takeover cases in the UK are on the rise. An account takeover is a form of identity theft where criminals illegally access bank accounts, credit cards, or online e-commerce accounts with the use of bots or other techniques. Once they have access, they can illegally shop and carry out fraudulent transactions from the compromised accounts. During the first half...

Sep 30, 2019

House of Reps Vote (SAFE Banking Act) to Approve Cannabis Banking

September 25th, 2019 was a historic moment for Marijuana merchants and cannabis lovers when the House of Representatives—for the first time in US history— voted to allow cannabis enterprises access to banks. The move is a significant milestone in the race towards decriminalizing the marijuana industry and giving cannabis retailers an equal chance in the marketplace. To the surprise of...

Sep 27, 2019

FDIC Recants “High-Risk” Merchant List Featuring Coin Dealers

Operation Choke Point proved to be a potentially menacing attack on legally operating “high risk” businesses. These businesses were targeted by powerful bank regulatory agencies whose sole purpose was to permanently sever relationships between merchants and their banks and potentially shut down their businesses. Choke Point was a multi-agency operation in which several government entities launched a campaign of threats...

Sep 20, 2019

Going Passwordless: Companies Bringing on the Biometrics

Security experts are more and more often talking about the problems with static passwords and highlighting the benefits of other security measures such as physical and passive biometrics. To discover what’s behind these new security technologies and find a reliable processor to avoid fraud, just read the article below. Biometrics Instead of Passwords In this day and age, mobile and...

Sep 19, 2019

Fraud Fighters & International Law Enforcement Meet in Spain

Investigators and forensic experts have recently met in Spain during the Europol Training Course on Payment Card Fraud and Investigations. This article will tell you how fraud fighters are trying to make payments a better world to be in and will help you find a trustworthy processor to rely on. Fraud Fighters & International Law Enforcement Business costs associated with...

Sep 19, 2019

Preventing False Declines and Fraud in E-Commerce

The number of both fraud attacks and false declines is growing. Are you working on preventing false declines? Do you have a secure payment processor to rely on? Not sure? No worries! This article will help you with preventing false declines easily. Preventing False Declines Let’s start with the so-called “friendly fraud.” It’s to do with cardholders wrongly disputing purchases...

Sep 18, 2019

At Least $575 Million Settlement for 2017 Equifax Breach

Equifax Inc. must pay victims of its breach in 2017 at least $575. Mostly, this must be done in the form of free credit monitoring. This was the very breach, because of which the sensitive data of about 150 million people was hacked. To know the latest developments concerning the Equifax breach and discover the right processor to accept payments...

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