Dec 14, 2015

If you need to accept credit and debit card payments from your customers, you cannot do away without merchant account services.

Merchant account services offer payment processing for a variety of businesses, including online, retail, high risk, and MOTO or mail order/telephone order. Merchant accounts allow business owners to accept popular cards such as American Express, Visa, MasterCard, and more.

Choosing EMB For Your Ecommerce Merchant Account, a highly reputable payment processor in the field, offers eCommerce merchant accounts to process credit and debit cards for your retail and online businesses, and mail or phone orders. Moreover, EMB provides services for accepting ACH or Automated Clearing House debit payments, and checks.

ACH is an electronic network for financial transactions in the US. It is developed to process large amounts of credit/debit transactions in batches.

EMB, an award-winning eCommerce merchant account provider, boasts decades of experience in the merchant services industry. The company’s dedicated staff is always ready to provide support and assistance for merchants. Moving ahead, EMB offers mobile technologies and merchant services for the future.

With, you can enjoy the best payment gateway solutions, business funding, instant check processing, a fast application process, and much more. It’s not surprising that EMB has A+ Rating with the BBB.

Card-Not-Present Payment Processing

Payment cards can be accepted in person like in retail stores. This type of payment processing is known as a “Card-Present” or CP transaction. Cards can also be accepted online, through an eCommerce website. The latter is called a “Card-Not-Present” or CNP transaction.

In the case of “Card-Not-Present” payment processing, the cardholder and payment card aren’t physically present when making a payment. This type of transactions is mainly found online and for mail or telephone order sales. As for “Card-Present” payment processing, it can be characterized as a face-to-face transaction.

It is important to note that accepting payments via the Internet, over the phone, or in any other CNP setting is associated with greater risks than face-to-face payment processing.  The mentioned risks have to do with credit card fraud and chargebacks.

Choose EMB to get a highly reliable and secure eCommerce merchant account for your business. can help you fight fraud and mitigate chargeback levels related to your business.

Let us help you get a high risk merchant account today!

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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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