Dec 28, 2018

Continuity/Subscription Merchants: Continuity Billing Scams

Law enforcement authorities go on warning that continuity billing scams are increasing and it’s critical to take the necessary measures to avoid being victimized. Where can continuity/subscription merchants find the most reliable merchant services for their business? Just read below to know more on the topic. Continuity Billing Scams: How to Avoid Them With eCommerce being on the rise all...

May 04, 2017

Why Should Retailers Offer Subscription Products To Millennials?

According to a leading credit card processor, retailers can turn millennials into loyal customers by offering products and services via subscription. Compared to Baby Boomers (born between 1946 and 1964) and Gen Xers (birth years ranging from the early-to-mid 1960s and ending birth years ranging from the late 1970s to early 1980s) Millenials, also known as Generation Y or the...

Mar 20, 2017

Recurring Credit Card Billing And Invoicing

Automated recurring credit card systems are vital for modern merchant payment processing. They are convenient for customers and offer such benefits to merchants as electronic billing to make the payment process easier, cut costs and increase cash flow. Recurring Credit Card Processing Recurring credit card processing provides advantages for nearly all types of businesses. Customers get an opportunity to put...

Sep 20, 2016

The Subscription Merchant Account Option That Will Work For You

Subscriptions are everywhere. Be it a magazine, a supplement, or a makeup subscription box, the world is full of subscriptions whether we realize it or not. When you are starting any type of subscription-based business, it can be hard to find a merchant account. This is because these accounts are considered “high risk” – and who wants to deal with...

Jul 26, 2016

EMV’s Role In Increased Card Declines On Subscriptions In 2015

According to a new report released by Recurly, a recurring-billing technology provider based in San Francisco, card declines on subscriptions averaged more than 12% in 2015. The company analyzed 25 million transactions over the course of 2015 to provide its analysis. Card Decline Increase As Recurly reports, the EMV rollout was the main reason for the increase. The analysis also...

Award winning.

  • 2012
  • 2013
  • 2014
  • 2015
  • 2016

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.

Live Chat