Jun 14, 2017

Canadian Merchant Credit Card Processing

Are you looking for a Canadian merchant account? eMerchantbroker.com, a reputable payment processor, offers its merchant account services both in Canada and the US. EMB is voted the top high risk payment processor in the US and has an A+ rating with the BBB. Moreover, EMB is rated A by Card Payment Options and is named one of Inc. 500’s...

Jan 31, 2017

Why Canadian Consumers Still Choose Cash For Making Purchases

Most people in Canada still use cash for making purchases. Payments Canada’s recent report says the popularity of cash has dropped than other payment methods, including electronic, online and cards. The report was written analyzing 20.9 billion transactions that counted for over $8.9 trillion. Payments Canada’s Report According to authors Michael Tompkins and Viktoria Galociova, members of Payments Canada’s research...

Oct 13, 2016

Changes Coming For Swipe Fees? Maybe.

We in the ‘States are applauding the Canadian effort to rein in swipe fees for plastic payment cards. We all know these issues: 25 cents for this card, 10 cents for that card, 30 cents for this other card – plus other “hidden fees” per charge. And, if you are a high risk merchant you probably pay more. Canadian merchants...

Jul 20, 2016

Walmart Against Visa. Walmart Pay Coming To Canada

According to the Globe and Mail, Canada’s #1 national newspaper, Walmart could introduce its own electronic payment system called “Walmart Pay” in Canada in 2017. Thus, Walmart would strengthen itself in a fight with Visa over credit card fees. Walmart in Canada Walmart, an American multinational retail corporation operating a chain of hypermarkets, discount department stores, and grocery stores, enables...

Apr 20, 2016

US Merchants Are All for Canadian Swipe Fees Reforms

​The Merchants Payments Coalition highly indoors legislation proposal in Canada. It is going to reform the way retailers are charged hidden fees by banks when a customer swipes his/her credit card at checkout. Before the Canadian legislation was proposed, similar reforms had been successfully implemented in the European Union and Australia. The purpose is to bring transparency and completion to...

Apr 18, 2016

Comprehensive Payment Processing Services For Canadian Merchants

Highly reputable companies like EMB offer secure payment gateway and payment processing solutions Canadian merchants. Those, whose business and banking system are operating in Canada, can apply for the mentioned merchant account services. Choose What is Best for You Turning to true professionals in the field, merchants get a perfect opportunity to enlarge their business and raise revenue. One of...

Mar 31, 2016

Canada, #1 Merchant Buddy of U.S.

The MCM Outlook 2016 survey reveals that Canada is the leading country that U.S. merchants are selling to. This makes sense considering the 4,000 mile long border shared by the two countries, a common language, and daily border traversing for generations. But Canada wasn’t the only U.S. merchant buddy. The UK (31%), Australia (26.20%), Germany (23.80%), and Mexico (23.80%) are...

Mar 28, 2016

Canadian Retailers Hope for Interchange Rate Caps | Canadian Merchant Account

Retailers are rejoicing this year as Canadian lawmakers are considering a new bill that puts a ceiling on credit card interchange rates. The bill was brought to Canada’s House of Commons by newly elected Liberal MP for Rivière-des-Milles-Îles, Linda Lapointe. The proposed bill would make changes to the Payment Cards Network Act, but does not specify the interchange cap rate....

Feb 29, 2016

Apple Pay Comes to Canada | Canadian Merchant Accounts

Canucks, rejoice! You can finally access Apple Pay. While the US rollout had a few glitches (i.e. repeating transactions without a way to obtain a refund) the Canadian rollout should be effortless. While consumers are clamoring for this technology, merchants have not been as hot for it. It isn’t that Apple Pay doesn’t bring in the big bucks, but rather...

Feb 11, 2016

Consumers, Merchant, And Payment Factors in 2016

In the modern world of business, it is useless to be a creative, original thinker unless you can also sell what you create.” – D. Ogilvy According to MPD CEO Karen Webster, 2016’s ecosystem will be impacted by 6 main trends. Countertop checkout won’t die out, but the situation will change dramatically. Mobile App Payments The online and offline blurring...

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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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