May 10, 2019

FTC Bans Payment Processor for Fraudulent Debit Transactions

Priority Payout Corp. and the owner of the payment processing company are banned permanently from engaging in processing or assisting in it, and must pay a contempt judgment of $1.8 million, according to the Federal Trade Commission (FTC). Priority Payout Corp. owner, Thomas Wells, has agreed to settle FTC charges that he and his company repeatedly violated a 2009 court...

Jul 24, 2017

Do Payment Regulations Keep Payments Safe?

The Federal Reserve has recently released a progress report highlighting accomplishments and anticipated steps regarding the ongoing initiatives to enhance the speed, efficiency, and security of the US payment system. According to Federal Reserve Board Governor Jerome H. Powell, central banks, financial institutions, and technology providers are focused on protecting payment systems and transactions as sophisticated cyber threats have increased...

May 09, 2017

Accepting Online Payments

2017 will continue making customers choose to live a digital life. Year by year, more and more people are choosing different forms of online billing and looking for ways to accept payments. The 2016 Annual Billing Household Survey shows each month customers pay their bills choosing an average of 3.6 different payment methods. Customers are increasingly using mobile payments: 33%...

Apr 13, 2017

Apply Pay As The Top In-Store/Online Mobile Payment Option

Based on the 18th annual POS/Customer Engagement Survey by Boston Retail Partners (BRP), 36% of retailers accept Apple Pay. PayPal held the 1st place in 2016, and this year, took the 2nd place with 34% of retailers accepting the payment method. Apple Pay and Other Payment Options According to Boston Retail Partners, Apple Pay has the largest percentage of supporting...

Feb 20, 2017

Making a Smooth Switch from Your Current Merchant Account Provider to the Next One

If for whatever reason you’re dissatisfied with your current payment processor, it is time to jump ship. It makes no sense sticking to a firm with high rates, service problems, poor customer support or any other issues that impede your peace of mind. Unless it’s done in the best way possible, moving from one merchant services company to another can...

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...

Dec 28, 2016

7 Points To Consider Before Partnering With A Payment Processor

As soon as the retailer accepts the transaction, the information has to be transmitted to a verified payment processor to be completed. A payment processor completes the transaction by sending data between the merchant, the merchant’s bank, the consumer’s card and their bank. A payment processor is the company providing the hardware at a storefront location. A payment processing partner...

Dec 23, 2016

Payment Processor Vs. Payment Gateway Vs. Merchant Account

Very often, online merchants find eCommerce challenging. To avoid facing problems when establishing an online business, take time to understand the basics of eCommerce. Below, you can find some of the most important aspects associated with online commerce – payment processors, payment gateways, and merchant accounts. Payment Processor A payment processor or acquirer is a financial institution providing the payment...

Sep 13, 2016

What You Need To Know About Finding a Payment Processor

So, you’re opening a business and you need a way to take payments. You will need to find a payment processor – specifically a payment processor that is not PayPal. This can take as little as a Google search to find, but what are you really finding? And what are you looking for? Many startup merchants are not really sure,...

Jul 01, 2016

How API Can Grow Your Business

The emergence of cloud technology has had a major impact on the point of sale industry. The latest trend shows the POS industry pushing towards centralization. This process has generally involved the integration of two or more systems. Point of sale vendors can’t possibly give merchants access to every cloud technology. It takes the collaboration of different software providers through...

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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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