Aug 28, 2020

China Sidesteps Credit Card Cash Advance Controls and Limits

Amid the COVID-19 pandemic, China has been struggling with mounting credit card debt. Regulators have once again turned their attention to an illegal operation consisting of third party payment companies that allow both businesses and individuals to access credit card advances at lower than normal costs.  They enable this by allowing merchants to falsify these transactions as fake credit card...

Aug 07, 2020

WhatsApp Launches Digital Payments In Brazil

After a “closed” beta launch in India back in 2018, WhatsApp announced the launch of digital payments in Brazil. According to WhatsApp’s blog, users will be able to safely send money or purchase something from a local business without having to leave the chat feature.  Brazil is the second-largest market after India, with over 120 million “individual users”.  With more...

Aug 05, 2020

Choosing A Good Credit Card Processing ISO

Cash is slowly being phased out as a preferred tender while our world is becoming increasingly more digital. According to one of the largest payment processing companies, TSYS, it found that 80% of customers preferred to use credit and debit cards compared to the merely 14% that would rather use cash.  Over the years, merchants have realized the importance of...

Jul 22, 2020

Credit Card Processing Tips For Small Businesses

Business competition couldn’t be more intense in this day and age. No longer does a competitive edge have to do with whether or not a business can take credit and debit cards as payment. This should actually be the standard practice for any business that is serious about growing their venture to be profitable and scalable for years to come....

Jul 16, 2020

E-Commerce Grows, Small Business Sales Soar By Double-Digits

According to the report, “Signifyd Weekly Pulse Report For E-Commerce”, eCommerce sales that ended for the week of June 29th showed that they were 27% higher than before COVID-19 pandemic broke.  The increases in double-digit proportions demonstrate a powerful indication that the adjustments in consumer purchasing behavior will be permanent. As many consumers who have never purchased anything online have...

Jul 23, 2015

Internet Marketing Ideas for Small Businesses on the Cheap

We all know that marketing can be expensive. Many businesses are turning to internet marketing merchants to help them figure out the best route to find customers. While this seems like an expensive field to invest in, most of today’s most successful internet marketing techniques are cheap to incorporate, both for the businesses and internet marketing merchants. First off, you...

Jul 20, 2015

Small Businesses Need the Help of Processors to Benefit from E-Payments

As hardworking as they are, small businesses aren’t going to roll out e-payment processor on their own, not with great success anyway. Yet, e-payment remains a great opportunity for these businesses to level the playing ground with bigger companies in meeting the demands of an overly choosy consumer base. As the wave of digital migration drives into full gear, consumers...

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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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