May 15, 2018

Credit Card Processing For Trial Offer Businesses

Getting a merchant account and secure card processing services for a high-risk business— like those that offer trials before a sale—is not easy, especially if you go searching in the wrong places. Conventional banks will naturally reject you. But you stand a chance with modern high-risk merchant account providers like The nature of such businesses, plus a few other...

Oct 02, 2017

Where to Find Pseudo-Pharmaceuticals Merchant Account Solutions

You spent months pouring blood, sweat and tears into your business only to be informed that it falls under section B5 for “Prohibited Businesses”, which reads: “Any product, service, or activity that is deceptive, unfair, predatory or prohibited by one or more Card Networks”. After investing so much time and money into your startup, you have been denied a payment...

Jul 07, 2017

Get a Negative Option Billing Account

Negative option billing isn’t very new to merchants. For quite some time now, sellers who have new products or services often consider giving them out for tree trial before customers can decide whether to make a purchase or not. It is an excellent way to attract interested consumers. This is what happens; someone comes across your products and takes an...

Jun 05, 2017

Negative Option Billing and Forced Continuity Being Shunned by Major Credit Card Companies | What’s Your Plan?

To start with, Negative Option Billing is a process where a merchant puts a certain product or service on free/subsidized offer so that customers can try the product/service for a small fee before committing to purchase. Before they gain access to the free sample, the merchant will record the customer’s credit card information. After the trial period expires, the customer...

May 08, 2017

Solutions for Continuity Negative Billing Merchants

As major credit card companies make known their stand against Negative Billing Options, merchants have even more reason to turn to other payment providers for alternative solutions. Recently, MasterCard and Visa said that they would stop doing business with any merchant who engages in Negative Options Billing. In fact, MasterCard went ahead to stress that it would close the accounts...

Jan 14, 2015

Free Giveaways Work to Increase Revenues Sky High

Everybody loves free stuff, and the word “free” attracts consumers to go out of their way to win or attain free things. For marketing best practices, offering free giveaways to prospects and customers is a good business strategy that can result in new and repeat customers. Free giveaways allow the consumers to try a product or service risk-free that they...

Oct 16, 2014

Turn Potential Customers into Paying Customers with Free Trials

The modern business is constantly searching for strategies to gain more customers and increase profits. Offering free trial promotions is an effective way to convert potential customers into paying customers. Free trials allow for consumers to use products or services for a limited time, and once the trial period is over consumers are then asked to discontinue use or to...

Aug 28, 2014

How to Clean Up Your Affiliate Marketing Methods

Affiliate marketing is like any other marketing method: Sometimes changes need to be made. This can be due to changing product opinions, new technology, or even just to freshen things up. While it seems easy to tweak a few words from time to time, you need to make sure that you are generating the correct audience for your trial offerings....

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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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