Sep 16, 2016

Merchant Accounts for Terminated Merchants

So, you are on the TMF file. Do you even know what this is? The Terminated Merchant File is the list you are on when you are closed out from another merchant account. This can seem like the end of the world, but it isn’t. There are merchant account options available – and one of the best comes from EMB....

Mar 25, 2016

Beat the TMF List with EMB

Is your business on the MATCH list or terminated merchant file (TMF) list. If so, you will have trouble acquiring a merchant account with reasonable rates if at all. Unfortunately, any business that appears on the MATCH list is almost guaranteed to be denied a merchant account. And once your business is placed on the list, it can be very...

Jan 19, 2016

How to Move & Maintain Business After a Terminated Merchant Account

Even the most profitable businesses can be placed on the TMF. The Terminated Merchant File can devastate a business, and once your merchant account has been terminated and you are placed on the list you can have a nearly impossible time finding another merchant account. While it is possible to find a TMF merchant account with a company familiar with...

Aug 31, 2015

TMF List Doesn’t Mean the End of Your Business

Is your business on the terminated merchant file (TMF) list? The TMF list is also known as the MATCH List. It is a system created and managed by MasterCard. It is mostly a list of businesses and owners whose credit card processing privileges were terminated. Why is this list important? Acquiring banks use the list to screen potential applicant merchant...

Jul 24, 2015

Basic Tips for Merchants Interested in TMF merchant accounts

Every few days, several businesses report to us that they have been added to the Terminated Merchant File (TMF) or what is commonly known as the MATCH (Member Alert To Control High Risk) List. It can be a very trying period especially if you have never even heard about TMF and how it works. Many times you don’t even know...

Mar 02, 2015

Surviving the Terminated Merchant File (TMF) List

Have you been so unfortunate as to be placed on the terminated merchants file (TMF) or match list? Not every business that ends up on this list deserves to have this happen. If it has happened to you, you will need to understand why and how to get yourself removed from the list. You might be wondering what exactly the...

Feb 20, 2015

What is a MATCH or TMF List and What Does it Mean to Merchants?

Hopefully you are reading this without having the misfortune of experiencing a termination of your merchant file. However, if you have just been informed of being added to the Terminated Merchant File (TMF) or MATCH list, then this information should help you understand what it means for you and how to get off of the list as quickly as possible....

Mar 01, 2014

POB Solutions to TMF List Merchants

Merchants that wind up on the Terminated Merchant File list can find themselves struggling with getting off that list. The only way you can get off a TMF list is if the bank that put you on chooses to take you off. For many merchants who are not involved in any kind of criminal activity, being placed on the TMF...

Mar 01, 2014

Credit Processing for TMF/Match List Merchants

Merchants and businesses that wind up on Terminated Merchant Files or Match lists don’t all deserve to be there. Two common, non-illegal causes for a high risk merchant to wind up on these lists are failure to pay final bill and high chargeback rates. Operating a business, opening new merchant accounts, and high risk credit card processing may seem next...

Sep 19, 2013

How to get a merchant account when your on the TMF list

The TMF list, better known as the Terminated Merchant File, is not necessarily the end of the line for a merchant account. First you must identify if you deserve to be on the TMF list, and if you don’t, then you have some major work ahead. First things first You will need to return to the scene of the crime,...

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