Oct 09, 2017

Tips to Improve the Security of Your Small Business

Running a business is associated with a myriad of important things, including security issues. As a small business owner, you should be on the hook for not only sales, marketing, accounting, merchandising, etc. but also for both physical and online security of your small business. Here are steps to take to improve the security of your business: Physical Security Install...

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...

Aug 22, 2017

How to Avoid 4 Planning-Stage Mistakes that Can Kill Your Bottom Line

E-commerce boasts 23% year-over-year growth. According to eMarketer, the leading research firm for marketing in a digital world, online sales are projected to account for more than $4 trillion by 2020. Global online retail sales are estimated to make up 8.8% of total retail spending in 2018; this number was 7.4% in 2016. With this in mind, it’s critical to...

Jul 13, 2017

VISA Helping Small Businesses Go Cashless

According to the 5th annual ING International Survey, cash is fast becoming less popular among consumers in Europe, the US, and Australia. Alternative forms of payment are increasingly gaining more popularity. The survey included responses from 14.692 respondents based in 15 countries. Nearly 27% in Australia, 21% in Europe, and 34% in the US said they mostly preferred cashless payments....

Dec 08, 2016

Small Business, Bad Credit, What Are Your Options?

Most people are familiar with credit scores, and why they’re important. One aspect that’s often overlooked, however, is how critical they are for the small business in need of a loan. Very few startups are lucky enough to be able to thrive and grow off a little investment from a venture firm or equity investor. The majority must rely on...

Aug 06, 2015

5 Ways to Stop Bad Credit from Killing Your Small Business Dream

You’re ready to take off. Your cards are decked and you feel that you’re ready to launch your small business. However, you have one hurdle remaining on your way – and it’s a big one. You need some capital! Regrettably, you can’t get the money you need from your local bank because your credit score is not so good. Maybe...

Jun 01, 2015

Why Small Business Won’t Die

In an age of big box retailers, many believe that small retailers simply can’t compete with large ones like Walmart or Home Depot. But the era of the big chain dominance may not be able to completely snuff out the mom and pop stores of the world completely. Innovative and dedicated small business owners are finding a way to survive...

Oct 16, 2014

Time to Dump Your Small Business Bookkeeping

Sorry guys, but your small business bookkeeping is useless. There are many reasons for it, and it is probably not your fault. From mismanaged paperwork to inexperienced number crunchers, there are many ways for bookkeeping to go wrong. In addition, even if nothing is wrong with your system, when do you actually sit down and take it all in? For...

Jun 10, 2014

How to Find the Best Business Merchant Account for your Small Business

Owning a small business is the American dream for many people. It can be freeing to be your own boss, set your own hours, and make all of your own decisions. One of the most important decisions is which merchant account processor is best for your business, especially if your business is considered “high risk”. There are many options to...

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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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