Feb 26, 2019

Biometrics Security: A Good Start to Safer Transactions

  Any security measure is only as strong as its weakest link. The same rings true for biometrics security. Biometric data, often considered the most secure, however it is only as secure as the system that protects it. Biometric data, which uses fingerprints, visual cryptography, and facial recognition technology to make a secure online transaction or access other confidential information,...

Feb 26, 2019

Friendly Fraud – All to Blame for E-Commerce’s Worst Enemy

By now, everyone knows that Facebook not only cashed in the rampant friendly fraud generated by kids unintentionally or without parents’ knowledge downloading games from the platform, but it encouraged the practice. A few years ago, the social media giant informed its employees of friendly fraud and explained how it should not try to block it.  The result was some...

Feb 26, 2019

Bill Aims to Protect NJ Cash-Paying Consumers

According to consumers, cash is no longer king. Approximately three in 10 Americans said they do not buy anything with cash in a typical week, according to the Pew Research Center. Meanwhile, the number of people who say they only use cash for their purchases dropped from 24% in 2015 to 18%. With millennials leading the charge, the most common...

Feb 25, 2019

DHL Closure in Chile Shows Global E-Commerce Market Struggles

Despite its status as one the most stable economies in Latin American, global package delivery company, DHL, plans to shutter its e-commerce business in Chile. Though DHL’s e-commerce division closes on April 12, the delivery company plans to keeps its other package delivery hubs running in the country. DHL only began delivering packages from online retailers to consumers in Chile...

Feb 25, 2019

Real Time Payments Expected to Bring Economic Inclusion to Peru

Thanks to a partnership with the London-based Vocalink, a real time payment system is coming to Peru. In December, Vocalink, a MasterCard unit, partnered with Cámara de Compensación Electrónica (CCE), the automated clearing house in Peru, in another move to revamp the payments operations in Peru. The system is not only expected to be on par with those in the...

Feb 22, 2019

New Law Legalizes Hemp and Aims to Prevent Organic Fraud

After the U.S. adopted a law that aims to revive the agricultural industry by legalizing hemp and preventing organic fraud, authorities announced the largest fraud scheme to rock the organic farming sector. Recently, federal prosecutors announced that Missouri farmer and businessman, Randy Constant, was arrested for ripping off customers nationwide by falsely promoting more than $140 million worth of corn,...

Feb 14, 2019

MasterCard Makes Ending Free Trials Hassle-Free

MasterCard announced new guidelines to stop merchants that hoodwink consumers into signing up for paid subscriptions by luring them in with free trials. The goal is to make the process of cancelling subscriptions for those that started as free trials simpler. Understanding the New Guidelines Starting April 12, merchants that accept MasterCard must get the cardholder’s approval at the end...

Feb 13, 2019

Cannabis Dispensary Merchant Accounts, Farm Bill, & More

It’s important for banks and payment processors to be prepared for a flood of inquiries from the industry. So, what should you know about banks accounts, merchant processing, and other financial accounts for your cannabis dispensary? Where can you get the best cannabis dispensary merchant accounts? This article is here to help you with all this. The Cannabis Industry in...

Feb 13, 2019

Legal Hemp Spells Victory for Lawmakers and CBD Oil Sellers

The adoption of a law, commonly known as the farm bill, in December 2018 legalized domestic industrial hemp, gave a much need boost to those in the struggling agriculture industry, and gave a generous hoist to Senate Majority Leader Mitch McConnell’s 2020 re-election campaign. Prior to the new law, McConnell, who proudly touts himself as a politician not a public...

Jan 24, 2019

Dirty Money Scheme Lands Danske Bank as 2018’s Most Corrupt

A non-profit media organization name Danske Bank the 2018 Actor of the Year in Organized Crime and Corruption for its €230 billion money laundering scandal. Danske Bank nudged out 22 other contenders to nab the award bestowed by the Organized Crime and Corruption Reporting Project (OCCRP). The organization, which is comprised of investigative journalists, shines a light on individuals or...

Award winning.

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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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