Mar 30, 2021

Open Banking Starts In Brazil

Brazil has become the next country to accept “Open Banking” and has spurred a new regulation that allows only licensed institutions to share valuable customer information.  With these new rules, it allows banks, payment institutions, and other organizations that are licensed by the Banco Central do Brasil, to share (at the customer’s volition) transaction and registration data from legal entities...

Mar 30, 2021

Spreedly Partners With Visa On Tokenization

Spreedly, a leading payments orchestration platform, has collaborated with Visa to broaden the adoption of network tokenization. They have teamed up to launch a program to extend the acceptance of “network tokenization” through Spreedly’s Payment Orchestration Solution throughout Latin America. They will initiate a project in Argentina and will then spread into other markets throughout the area.  Why This Is...

Mar 26, 2021

As Merchant Transactions Go Online, Fraud Risk On The Rise

Since the emergence of e-Commerce back in the 1990s, digital fraud has been a formidable foe for businesses. Unfortunately, this trend has not shifted, but only grown from strength to strength with every passing year.  In a study conducted by Experian, it was found that the losses stemming from “fraudulent identities” grew from 51% in 2017 to 57% in 2019....

Mar 26, 2021

Shopify Extends Shop Pay On Facebook and Instagram

Shopify, one of the most popular eCommerce platforms for businesses, is offering its payments tool Shop Pay to merchants on Instagram and Facebook. By using Shop Pay, those merchants using Shopify to sell on Facebook and Instagram can use this payments tool for buyers to experience a more secure checkout.  In the past, the only payment options available on social...

Mar 26, 2021

Crypto-Forward Miami Adopts Bitcoin Into Its Operations

In a campaign to promote the use of cryptocurrencies, Miami Mayor Francis Suarez has proposed to pay city workers and collect taxes using Bitcoin. According to a resolution that was passed by it’s governing commission, the mayor wants to also grant city workers the choice to either receive a portion or their entire pay in Bitcoin. Moreover, the mayor has...

Jan 12, 2021

Contactless and Card Payments, Redefining Digital Transactions

According to Global Market Insights, it was discovered that the global smart card market is anticipated to hit $65 billion by 2025. The smart card, also known as the contactless card, is unequivocally the most accepted form of payment.  The outbreak of the pandemic earlier this year has also driven many customers around the world to adopt contactless methods of...

Jan 12, 2021

Integrated Payables Boosts Fraud Prevention And Efficiency

Integrated payables is a system that simplifies the payment process that enables businesses to send all of their vendor payments as a single, “online payment file” to their bank. The bank then processes and allocates the payment as per the instructions given by the business. Integrated Payables Have Benefits So what are the benefits of adopting integrated payments? Having integrated...

Jan 11, 2021

B2B eCommerce Friction Between Payments And Trade Credit

Trade finance is a field within financial services that are still trapped in the outdated use of paper and legacy systems. Leaders within the FinTech industries lament that this lack of innovation is partially to blame for the approximate $1.5 million “trade finance gap” that continues to afflict the market worldwide.  As explained by Tsafrir Attar, vice president of Digitization...

Jan 08, 2021

Gateways Adjust To E-Commerce As They Deal With Covid-19

Due to the radical change in spending priorities induced by the COVID-19 pandemic, overall e-Commerce spending has soared at a faster rate than ever. Payment gateways play a vital role.  A payment gateway that is well-functioning and efficient is the keystone of every transaction. The holidays will definitely put many payment gateways to the test as they will face higher...

Jan 08, 2021

Bitcoin Merchant Account Offers Differentiation In The Market

Despite the skepticism that surrounds the use of cryptocurrency, more businesses both big and small are embracing this new digital currency and with good results.  What many companies have found is that opening up and accepting digital currencies also opens them up to a new, wider consumer base. This is largely because more consumers around the world are considering and...

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