Jun 14, 2019

Deceptive “Free Trial” Marketers Must Pay $9 Million-Plus for Consumer Refunds

The operators of a worldwide negative option scam admitted to deceptively promoting “risk-free” trials and then, charging the consumers full price for the items and enrolling them in long-term, automatically-renewed product plans without their consent. A court order resolving the Federal Trade Commission’s complaint requires the defendants to no longer engage in this type of scam and pay more than...

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...

Aug 14, 2017

Trial Offer Merchants for Skin Care Industry Who Need a Merchant Account

Merchant accounts are needed for nearly every type of business. Unless you are a 100% cash business, you need one of these accounts. Due to the overwhelming number of businesses who utilize merchant account processing services, it seems like it would be easy to find an account. For some it is, but for the majority of business owners in the...

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...

Dec 01, 2012

Trial Offer – Continuity – Negative Billing APPROVED

Finding a merchant account for trial offer products that allows you to later bill the full amount to the same account is harder than you might think. This is a feature which many standard account types don’t offer, so if you sell a product which includes a trial period and you want to avoid using high-fee credit card processing options...

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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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