May 22, 2015

E-Cig Usage Grows in Teens

According to a recent New York Times article, upwards of 15% of high school aged boys and girls use e-cigarettes, or e-cigs. While the verdict is still out on their safety, many are touting these electronic devices as a way to keep kids away from tobacco and cigars. While not everyone will switch to an e-cig, many are, and many...

Jan 30, 2015

E-Cig Merchants Win Big with Mobile P2P

Millennials are coming of age and are more connected to their mobile phones and each other in more intricate ways than ever. This generation, defined as the ages of 18-33, are performing many of their most important functions with their smartphones. Mobile P2P (person-to-person) payments are the result of this life and smartphone integration. Now millennials expect that the companies...

Nov 24, 2014

E-Cigs Look Like They’re Here to Stay | Electronic Cigarette Merchant Account with EMB

Since the growth of the electronic cigarette and the popularity of the product, this business area is booming. These cigarettes are different and not part of the standard regulations and this gives people who use them more opportunities to do so. Smoking in some public places have seen a ban in recent times, depending where you live. These electronic cigarettes...

Aug 28, 2014

Merchants in Search of an Electronic Cigarette Merchant Account

Electronic cigarettes, or e-cigs, are all the rage. They are not age-limited, as users from 18 to 80 seem to love them for their cigarette-replacement. While doctors and lawmakers are still at odds over if e-cigs are safer than traditional tobacco cigarettes, consumers are buying fast. Another aspect that e-cigs offer is flavored “vapors”, the substance that omits tobacco or...

Aug 15, 2014

There’s Gold in Those Vapors! Start an E-cig Merchant Account Today!

With new taxes and bans on cigarette smoking around the country, merchants with e-cig merchant accounts may have thought they were on the losing end of the battle. If there are fewer customers ordering traditional cigarettes, cigars and pipe tobacco, what was going to happen to their businesses and profits? The large tobacco companies were not and are not going...

Jan 06, 2014

Credit Card Processing for Vape Shops

For online merchants, one of the most important steps in running a smooth business is having a reliable credit payment processor: a merchant account. If you operate an online e-cigarette business you will fall into a high risk business category that will make opening merchant accounts difficult. The reality is if you want to open a merchant account for your...

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 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