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...

Jun 25, 2020

Is My Business High Risk? How to Still Secure Credit Card Processing

Running a small business is difficult enough without being told your business is considered “high risk”. This categorization makes it incredibly challenging to operate smoothly, secure business funding and partner with a reputable, fair payment processor. Even if you are able to find a processor willing to work with you, you will be charged higher rates and receive other undesirable...

May 07, 2020

How To Apply For a Coronavirus Small Business Loan

The SBA offers low-interest Coronavirus Small Business Loans through their disaster loan program. The American economy continues to suffer the devastating effects of the COVID-19 health crisis, with small businesses bearing the brunt of the blow. As lives continue to be disrupted via social distancing and lockdowns nationwide, small businesses such as restaurants and retail are having to temporarily shut...

Mar 26, 2020

How to Choose the Best Customer Payment Methods for Your Small Business

Long before you open the doors of your business, there are countless critical financial decisions that have to be made. These decisions are so important. They will either set your business up for success, or they will quickly have a negative impact on operations. When it comes to choosing the best customer payment methods, even established businesses need to revisit...

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...

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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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