Apply Pay As The Top In-Store/Online Mobile Payment Option

Apr 13, 2017

Based on the 18th annual POS/Customer Engagement Survey by Boston Retail Partners (BRP), 36% of retailers accept Apple Pay. PayPal held the 1st place in 2016, and this year, took the 2nd place with 34% of retailers accepting the payment method.

Apple Pay and Other Payment Options

According to Boston Retail Partners, Apple Pay has the largest percentage of supporting US merchants, which is up from 16% in 2016. Then come other payment methods such as:

Mastercard PayPass (25%)

Android Pay (24%)

Visa Checkout (20%)

Samsung Pay (18%)

Chase Pay (11%)

Some are mainly online, while others are mainly in stores. Most of those operating in-store are planning to offer online functionality to allow for mobile payments to be available through browsers or apps.

Another 22% percent of retailers are planning to offer Apple Pay in the next 12 months. 11% are planning to do the same within the next 1-3 years, and for another 31%, time will show.

Modern Payments Market

Today’s modern market offers a number of mobile wallets and payment apps and keeps evolving.  As BRP notes, in 2016, merchant-backed CurrentC stopped operating and Walmart Pay gained popularity. According to BRP, the success of any mobile payment is based on education. Mobile payments or mobile wallets can succeed if there is further education at the point of sale (POS).

Alternative online payment processors have become highly popular in the recent years. To get a reliable high risk merchant account, consider turning to, the top high risk processor in the US. EMB knows your high risk business best of all and can get you a secure and low-cost merchant account without challenges.

Apple Pay has recently been launched across Ireland with support from Mastercard, Visa, KBC and Ulster Bank. Customers get an opportunity to complete in-store, online and in-app payments through their compatible devices.

Apple Pay will also work with German payment processor Wirecard’s Boon service. Users, who are not customers of a specific bank, will be able to add a virtual Boon card to Apple Pay to fund purchases at the tens of thousands of supporting retailers throughout the country.

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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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