Jun 29, 2020

High Risk Payment Processing | How Payment Gateway Integration Works

Making purchases online is not something consumers give much thought to these days. It has become such a natural, everyday thing. Even so, much goes into the online shopping and checkout experience. As a merchant, you know just how much time and thought goes into creating a positive, seamless customer experience, none of which would be possible without payment gateway...

Jun 28, 2020

Integrating A Payment Gateway Into Your Website

Payment gateways allow merchants to deal with all financial transactions online. Payment gateways are a valuable tool that process both debit and credit cards online and in offline stores. Sensitive card information is securely sent between mobile devices/ websites and banks/payment processors.  Integrating a payment gateway into your website can ensure that your customers experience a seamless and safe transaction....

Jun 25, 2020

What is Recurring Payment? How Your Small Business Can Benefit

How are you currently accepting payments? Are you trying to determine whether or not your business should use recurring payments? Thanks to the constant changes in payment processing to satisfy the needs and demands of customers, there are always new ways to simplify and improve the process of collecting payments. One of the most common being recurring payments. What are...

Jun 24, 2020

Integrate a Payment Gateway Into Your eCommerce App

Payment gateways can manage many intricate functions in a matter of seconds. As more countries are preferring to go cashless, the preferred method of payment for most consumers is the use of both credit and debit cards. This option is fast, convenient, and more efficient than the use of cash. Although e-commerce has been on the rise in recent years,...

Jun 23, 2020

What Is A Payment Gateway? How Does It Function?

A payment gateway facilitates online payments between consumers and businesses. A payment gateway is a service provided for merchants that processes debit and credit card payments for both eCommerce websites and brick and mortar retail stores. Another way of looking at a payment gateway is to think about it as the equivalent to a cash register for a transaction made...

Jan 20, 2020

What Are The Best Payment Gateways For Shopify?

When you are a merchant on Shopify, you want to ensure that your payment gateway provides both security and reliability to deal with your customer’s everyday transactions. Knowing that their confidential financial information is safe in your hands, customers will feel confident making purchases in your online store. Here are the best payment gateways for Shopify. Shopify Payments Shopify comes...

Sep 30, 2019

The EMB Payment Gateway: A Robust and Flawless Solution

Payment gateways are a merchant service that processes credit card purchases for online businesses as well as brick and mortar retail shops. Some of the most popular and well known payment gateways include PayPal, Square and Stripe. Another way of describing a payment gateway is that it’s very much like a cash register that processes electronic transactions.  Like physical cash...

Sep 14, 2018

Online Payment Gateway Study

Are you a merchant looking for reliable and affordable merchant services, including a merchant account, for your business? Where can you find them? what does the latest study on payment gateways show? This article will tell you about all these things. What to Know About Online Payment Gateways The global payment gateways market is driven by the growth of the...

Jul 12, 2018

Find a Gateway for Electronic Cigarette Merchant Accounts

No matter what type of business you operate, if you want to accept credit and debit cards and electronic check payments online, you need a merchant account and a payment gateway. They are both important because merchant accounts are where funds are held before they are transferred to businesses’ bank accounts. A payment gateway is an online application or tool...

Apr 20, 2018

What is Payment Gateway, and Why It Matters to Your Online Business

If your business has anything to do with e-commerce, your have probably heard of payment gateways. But do you know what they are and how they work? And why are they necessary to profit from your online shop? If you have a lot of questions about what payment gateways are, the following information will help you. Payment Gateway A payment...

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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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