May 19, 2020

Online Dating Merchant Accounts Need Love Too!

Dating Merchant Accounts get the side-eye from most merchant providers, but you don’t have to be slighted.  Despite the incredibly lucrative opportunities within the online dating industry, the increasingly negative reputation is what has led many payment service providers to run for the hills, avoiding this industry entirely. Where does that leave our fearless online dating merchants, determined to succeed...

May 08, 2020

Prepaid, Gift and Virtual Cards Detection To Mitigate Fraud

As prepaid, gift, and virtual card fraud is on the rise, merchants must be ready to act. Prepaid cards and gift cards have become ubiquitous in grocery stores and drugstores throughout the U.S. Prepaid services are one of the fastest-growing sectors within the financial payments industry.  In April 2019, The Wall Street Journal reported: “The total amount loaded on general-use...

May 07, 2020

The New Normal of eCommerce Merchant Accounts

Efficient and secure eCommerce Merchant Accounts are critical during our present crisis.  The Coronavirus pandemic has dramatically changed consumer behavior. With lockdowns and social distancing orders in place across the country, eCommerce, once just another option for consumers and businesses to buy goods, has become an absolute necessity for everyday life in the current health crisis. More than ever before,...

May 05, 2020

Coin Dealer Merchant Accounts

Coin dealer merchant accounts alleviate complexity and facilitate payments . Investing in gold and silver has proven throughout the ages to be highly profitable. However, it is also highly risky. The market is always volatile and laws and regulations are in constant change as well. This constant change gives rise to instability. Luckily, gold and silver do not fluctuate in...

May 05, 2020

How To Secure A Gold And Precious Metals Merchant Account

A gold and precious metals merchant account is necessary for your payment processing needs. When it comes to precious metals, they are considered highly valuable because they are rare to find. Each year, only a minimum amount is produced and therefore their scarcity is the reason for such a high value. One of the most popular metals in the world...

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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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