TMF Merchant Accounts Approved for “Retail” Merchants

Mar 28, 2012

At we can approve all retail accounts, even if you, or your business is on the TMF list. We can provide a Visa and MasterCard processing solution that allows for your business to accept credit cards in a face to face environment. Even if you have been declined by multiple credit card processing companies, we can get you processing in 5 days or less.

What are the Requirements for a TMF Merchant Account?

While we do offer solutions for MOTO/Internet TMF merchants, the requirements are different and are discussed in a future article. For retail merchants accepting credit cards in a face to face environment, our solution has many advantages:

No Volume Limits – Our TMF retail merchant account solution allows merchants to accept virtually unlimited volumes.

No Credit Requirements – There are no minimum credit requirements and we even work with merchants that have bankruptcies or tax liens.

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Call us! 1-800-621-4893

What does it mean when you are on the TMF list?

The TMF list, or “Terminated Merchant File” is a list of businesses and merchants that have had their accounts shut down due to chargebacks, or in some cases aggregating accounts or violating other association regulations. At we have solutions in place that allow merchants to still accept most credit cards in a face to face environment.

With our retail solution for TMF merchants you can accept Visa and MasterCard credit and debit cards, however you will not be able to accept Discover or American Express cards. We have helped hundreds of merchants start accepting payments again after being placed on the TMF list.

To speak to a merchant adviser about a TMF Merchant Account call 1-800-621-4893


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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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