Aug 27, 2020

Refund Rates Can Wreck Your Payment Processing

Payment Processing can become risky with an increase in refund rates. One of the many obstacles that high risk merchants have come to acknowledge is chargebacks. Chargebacks can lead to the termination of their merchant account. However, this is not the only menace that can threaten a high risk merchant’s position with acquirers. Another threat that can jeopardize their status...

Aug 25, 2020

Payment Providers are Changing Rules: Is Your Money Safe If Payment Processing Hits Rock Bottom?

Merchants who process payments through acquirers and payment processors must worry about what would happen if payment processing faces hiccups. While losses are unlikely, the current COVID-19 recession has had negative impacts even on large financial institutions like banks and may cause panic among merchants who rely on them for various services. Payment processors are now tightening rules and making...

Aug 25, 2020

Quick & Secure eCommerce Payment Processing with Credit Cards

Collecting customer payments come with hidden security risks that an ecommerce business cannot ignore. Processing credit card payments can improve security and change how you take money from customers. Because you won’t be doing every bit of the transaction process alone, partnering with the right service provider further tightens payment security levels. How Credit Card Processing Augments Your Payment Process...

Aug 24, 2020

5 Major Benefits of Accepting Payment in Cryptocurrencies for Your Business

Crypto is growing stronger and more popular than you imagine, especially if you’ve long been caught up in other staple avenues like credit cards and eChecks. As security becomes a growing pain among customers, many would rather buy items online using crypto instead of the traditional debit and credit cards. Cryptocurrency payments offer clients the total privacy they require when...

Aug 24, 2020

What You Should Know About Merchant Accounts and Services

As of April 2020, online payment methods accounted for more than 58% of payments processed:  merchant accounts were the only means to handle that. To learn more about merchant accounts and services and discover a unique merchant processor, keep on reading this post. Merchant Accounts and Services Don’t think of a merchant account as a service: it’s a collection of...

Aug 22, 2020

High Risk Merchant Accounts & Credit Card Processing

If your business is associated with a degree of risk, you need to obtain a high risk merchant account. This means you need to apply for a certain type of business bank account from a reputable high risk merchant processor. Let’s dig deeper into the topic and see who can help you with secure and low cost merchant processing services....

Aug 21, 2020

4 Ways to Integrate eCommerce into Your Small Business in 2020

The more technology has become commonplace, the more important ecommerce has become for businesses. In order to ensure long-term growth and sustainability, businesses today really need to consider incorporating ecommerce. Due to the rapid changes and challenges COVID-19 has thrust upon business owners, ecommerce options have even become critical for business survival. If your business needs an ecommerce solution to...

Aug 21, 2020

8 Deadly Mistakes People Make When Building an E-Commerce Site

Risk assessment should be part of your everyday life if you want to be a successful business owner. And the process should be well thought out when setting up an e-commerce store. You want to identify all potential dangers and loopholes early to prepare adequately. Still, risk assessment is a never-ending process. Why? Because the e-commerce business environment is ever-evolving....

Aug 21, 2020

Already Growing E-Commerce Payment Trends Pick Up Speed with COVID

E-commerce and other payment trends have been gaining speed for some time. However, these trends are now being fueled by the COVID-19 pandemic and the flames are spreading fast. New debit card transaction data released early this month by Houston-based Pulse electronic funds transfer network confirms this. It is safe to say we are living in unprecedented times. As stay-at-home...

Aug 12, 2020

What Is A Payment Gateway And How Does It Work?

Online transactions have become the fastest and most advantageous way for its users to settle their payments. Thanks to the Internet, customers can be reached globally and therefore users can both buy and sell throughout the world.  The trickiest aspect of online purchases is that they are notoriously difficult to verify and can even be made in anonymity. In order...

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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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