We’re #1! Why EMB Is the Best of the Best According to Top Credit Card Processor

Sep 13, 2016

Gloating is something that we should never do, but when the top industry authority deems you #1, you might as well, right? Topcreditcardprocessorsratings.com has named EMB their #1 high risk processor for the month of July. This is fantastic news! With the number of high risk merchant account providers around, this is an honor – and it takes a lot of dedication and hard work to get this honor. EMB isn’t just another high risk merchant account provider that you have seen advertise online. We are dedicated and educated in various “high risk” markets, allowing personalized service for out merchants.

We are the High Risk Specialists – and understand that your business has its own unique set of needs. Just as every merchant is different, so is every business. No two e-cig merchants are the same, and neither are their businesses. We strive to give you the best service possible, while keeping you abreast of industry issues and changes that may come your way. In addition to high risk merchant accounts. We at EMB provide a chargeback shield to help keep chargeback fees low. We all know about chargebacks and their horrendous fees, and the chargeback shield can help you understand the process while keeping the fees minimized.

Also, for merchants in need of a little extra funding, EMB provides you the option of a merchant cash advance. This is something that can help struggling businesses get extra funding, while keeping their business running. While this does have to be paid back, it isn’t a loan, but rather a “buy in” to your future sales. It works like this: When you process a credit card sale, a small percentage will be taken as payment. You are left with the bulk of the credit card payment, so your business isn’t out any funds. Unlike a big bank loan where you have to pay whether or not you are making money, a merchant cash advance helps you keep money will repaying the buy-in.

EMB is #1 for a reason: We care. We care about you and your business, and we are knowledgeable out our various industries that we represent. For more information about obtaining a merchant account or cash advance, click below to contact us 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 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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