Mar 27, 2018

How to Choose the Right Payment Gateway

What’s a payment gateway? How can you find the right one for your online business? Read this article and you’ll get a better understanding of payment gateways. Also, you’ll know how you can go for the right one for your online business. What Is a Payment Gateway? Payment Gateways can be described as software and servers designed to send payment...

Sep 19, 2017

6 Useful Credit Card Processing Tips for Small Businesses

Now that most consumers are pacing the shift to the use of credit cards, it’s mandatory that you enable your business to accept these cards. These days, most clients expect to easily make payments anywhere they go—your online shop is not an exception. Remember, minus up-to-date payment alternatives, you won’t be able to compete favorably in the ever-changing marketplace, especially...

May 08, 2017

Get A Reliable And Online Doctor Merchant Account

Practitioners need to be able to treat a wide variety of ailments and health concerns. They also need to accommodate a large variety of payment types from their customers, which include both health insurance billing, credit card payments and cash. The best way out is to have a virtual terminal that can accept swiped cards, process keyed-in transactions, accept online...

May 05, 2017

What You Should Know About Internet Payment Gateways

Thanks to online Internet payment gateway, payment processing can be completed through any device with Internet connection. It allows merchants to accept credit cards and signature debit cards through any Internet connection, without the need for a terminal. Also, it gives you an opportunity to process credit card orders from your website in real time. As a result, your customers...

Feb 14, 2017

Online Payment Gateways: What they Are, and How They Work

If you’re the owner of a brick-and-mortar business, you have probably adopted credit cards as one of the primary methods for your customers to make payments. For that purpose, your merchant account provider has likely installed a point-of-sale terminal on your counter. Despite having the same payment processing needs, online traders don’t have the luxury of physical premises. So, rather...

Jul 26, 2016

Value-Added Services Redefining The Role Of Payment Gateways

The globalization of eCommerce has given business owners a wide range of new opportunities. Merchants trying to take advantage of these opportunities consider partnering with a payment gateway a logical approach. Merchants Vs eCommerce Globalization Merchants looking for ways to benefit from the global expansion of eCommerrce should not hesitate to take action. The high competition in the field requires...

Dec 30, 2015

Consumers Say No to Mobile Payments

Consumers are planning to spend more cash than credit this holiday season, according to a survey conducted by Bankrate Inc. Out of 1,000 consumers surveyed, 39% said they intended to use mostly cash, while 31% opted for debit cards. Only 22% said they’d use credit this year. This comes as a shock to many major merchants who relied on open-to-buy...

Oct 21, 2015

EMB Introduces New Payment Gateway System

Payment processing systems can always evolve, and with EMB, evolution isn’t just talk, but its reality. Our newest payment gateway systems are everything our high risk merchants have wanted – put some. While other neglect the high risk industry, we have enabled our high risk merchants to have the most advanced technology in the industry to ensure smooth payment acceptance....

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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 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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