Sep 28, 2020

Small Businesses Are Making More International Payments, and Using More Cards

International payments or cross-border payments are important for businesses of all size. In 2019, 37% of small businesses in the U.S. processed payments internationally, and 12% of them used bank account transfers to complete this type of payment. Small businesses are also using more cards. Let’s discover more about the topic and find a respectable payment processor in the country.  ...

Sep 01, 2020

Different Payment Processing Pricing Structures to Consider

Businesses are different. To choose the best payment processing pricing structure for your own business, you should do research and see how different billing systems work. In the article below, you can find several options to go for the most suitable one for your business. Payment Processing Pricing Structures to Choose From Wrong credit card processing service will make you...

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

Top Merchant Industries that Can Benefit from High Risk Services

An excellent idea, good entrepreneurship skills and a strong financial backing just don’t complete the equation. One must be a big risk taker to want to venture into a high-risk business. To excel at high risk payment processing, you must identify and mitigate the risk factors plaguing your specific industry. Failure to do so can mean trouble, both legally and...

Jun 29, 2020

Merchants Try to Distinguish Fraud from Legitimate Pandemic Purchases

Since the COVID-19 lockdowns began, shopping habits have changed dramatically. Consumers are turning to online shops to purchase everyday items like groceries, medications and other basic supplies that people would normally purchase at their local, physical store. The uncertainty around the situation has also led to panic buying and larger volume purchases than previously seen before the pandemic. This has...

Jun 25, 2020

How Your Small Business Can Benefit From Recurring Payments

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...

Aug 13, 2019

Payment Processing for Continuity Subscription Merchants

The continuity economy is among the most successful business structures. However, the high risk nature of continuity subscription businesses makes merchants look for high risk payment professionals that can help them grow their business with ease. This article will help you discover more about these businesses, as well as will help continuity subscription merchants avoid having a harder time opening...

Mar 29, 2019

Save Money and Reduce Fraud Risks with Integrated Payables

Eliminate unnecessary costs, inefficiencies, and payment-fraud risks by implementing integrated payables into your business. What Are Integrated Payables? Instead of using an outdated, paper-based accounts payable process or partially automating your method with a vendor, use integrated payables to transform your organization. Banks and third-party providers offer integrated payable solutions, which incorporate all payment types, including ACH, checks, and virtual...

Oct 22, 2018

Payment Processing for Businesses That Sell CBD Oil

The cannabidiol (CBD) market is projected to grow by 700 percent by 2020, and a report by market intelligence firm, Hemp Business Journal, anticipates the market will rise to $2.1 billion by 2020. Studies show that CBD oil has many therapeutic benefits, including antioxidant and neuroprotective properties. CBD contains no tetrahydrocannabinol (THC), so it doesn’t have the same psychoactive effects...

Jul 23, 2018

How to Reduce Payment Processing and Operational Costs

Every business has to manage payment processing and operational costs. You simply cannot have one without the other. However, because the businesses that provide these services are also trying to make money, these costs can get expensive quickly. In many cases, they are much higher than they really need to be. Here are a few ideas on how your business...

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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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