Jan 18, 2016

Obama Vows to Reform Gun Legislation : Firearm Merchants

Last week, President Obama made a State of the Union Address regarding gun legislation. The White House is working to expand background checks for gun buyers. The President wants to close loopholes that allowed for individuals who sell firearms to avoid registering as licensed gun dealers or keeping formal sales records. The proposed legislation is a good idea to some,...

Dec 01, 2015

Virginia Governor to Ban Firearms from State Buildings

Recently, Terry McAuliffe issued an executive order that will ban firearms from most state buildings. McAuliffe is proposing a law that would require all interested gun buyers to undergo background checks to determine if the purchaser can be disqualified due to mental health issues or a criminal record. The Aug. 26 slayings of Roanoke television reporter Alison Parker and her...

Nov 30, 2015

Gun Sales and Profits at All Time High

The firearm industry is at an all-time high. The FBI processed a record 2 million firearm background checks in October. The National Instant Background Check System ran 1,976,759 gun background checks in the same month. This is a 23 percent increase from October 2014. According to the ATF, gun manufacturing has increased by over 31%. If you are looking for...

Oct 30, 2015

Selfie Verification Can Save High Risk Merchants

A rash of cyber-attacks and identity theft has created an urgent need for payment processors, retailers, and financial institutions to utilize better identity verification technologies to protect consumers and their own assets. Major financial companies and merchants have turned to built-in devices in mobile phones to lower instances of identity theft. Selfies are no longer just for posting on social...

Oct 08, 2015

Gun Sales Better Than Ever

Despite a barrage of high profile shootings, recent FBI data shows that August was a record setting month for gun sales. There were 1.7 million background checks performed by federally-licensed dealers – the most seen in an August since 1998, states USA TODAY. This past summer was extremely busy for gun sales in general (June 1.5 million and July 1.6...

Sep 30, 2015

New York Sues Retailers for Online Toy Gun Sales

Walmart, Sears Holdings, Kmart, Amazon, and a few more retailers have come under fire for selling realistic guns. The state of New York is one of approximately 7 states that bans the sale of authentic-looking toy guns to its citizens. New York is suing the mentioned retailers for ignoring its state laws, claiming that the over 6,400 prohibited sales performed...

Sep 14, 2015

Online Firearm Sales May Not Be the Reason for Gun Violence

Much has been said about gun violence in the United States. Both liberal and conservative voices have their expert witnesses, statistics, opinions, and theories about how to fix gun violence in the country. Recently, the ability for consumers to purchase guns online has become a large concern for consumer safety advocates. Websites like Armslist are free websites that host ads...

Aug 31, 2015

Online Firearm Merchant Account for Firearm Merchants

High risk merchant accounts can be a big headache, and rightly so. In any case, what if there is a huge loss? Does the merchant account services provider get to bear some of the risk? This is why most conventional account providers such as banks generally turn away high risk merchants. Trade in online firearms is one of the businesses...

Aug 28, 2015

Why the Gun Business is Bigger than Ever

According to the Bureau of Alcohol, Tobacco, Firearms and Explosives (ATF), 10.9 million firearms were manufactured in 2015, when only 5.5 million firearms were produced in 2010. Despite the current administration’s efforts to enact tougher gun legislation, gun production has increased by 140 percent in the last 5 years. Some people believe the almost doubling of gun manufacturing in the...

Aug 28, 2015

Too Many Problems Plague National Gun Background System

In the wake of the recent gun massacres in the United States, gun advocates and anti-gun lobbyists are now agreeing that the background check system needs to be revamped. So many tragedies may have been prevented if the background system worked as it was designed. Now both sides are discussing how to mend the system to prevent the purchase of...

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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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