Sep 28, 2015

Can Tokenization Help Adult Merchants

Last year Apple revealed Apple Pay, its answer to mobile payment. Apple Pay runs on tokenization a safer way to send sensitive data like card account numbers. Tokenization has been posited as the answer to security concerns surrounded by mobile payments. A recent report from EMVCo champions the use of tokenization with not only Apple Pay, but with MasterCard, Discover,...

Sep 18, 2014

Adult Merchant Processing For Adult Businesses

In the business world adult businesses which cater for the growing needs of the modern person has exploded. There are different business opportunities available, with the right planning and implementation it could prove to be a lucrative business opportunity. Some business ideas are: Adult dating sites Selling adult novelties Selling adult toys Providing an adult only content website Whilst these...

Aug 29, 2014

Low Adult Merchant Account Rates

It is estimated by business owners that the sex toy industry does $15 billion in sales annually. When Hamilton Beach introduced the first electric vibrator in 1902, 10 years before they actually introduced the electric iron or the electric vacuum cleaner, they had no idea they were beginning the trend towards a multi-billion dollar industry. There is a great deal...

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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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