Jan 25, 2016

Women Lead in Canadian Online Business Boom

The old school thought of business owners was that only men could pave the way for new, innovative ways to conduct business. Thankfully our thinking has changed, and our change in thinking is proving a reality in Canada, where women are taking control of internet businesses and sales. It shouldn’t matter who owns a business, but the new wave of...

Jan 19, 2016

Canadian e-Commerce Trends in the New Year

Happy 2016! It’s time for new predictions about Canadian e-commerce trends this year. While every year has some similarities, there are also some new goodies to pop up on the online sales scene. Below are some of the expected trends that Canadian merchants should look into in the new year. One of the biggest challenges for e-commerce merchants everywhere is...

Dec 30, 2015

Mid-Size Cities Lead Online Deliveries

Online shopping has finally caught on in Canada. A new report by the Canada Post Corp. shows that the number of online orders requested and delivered has grown by 16% during the first half of 2015. Most analysts projected this growth as delivery has increased across the board. However, no one expected that midsize cities would be at the forefront...

Nov 27, 2015

The 2015 Canadian Holiday Retail Sales Projections are Promising

According to the Ernst & Young (EY) report, “Redefining Loyalty for Retail”, it was projected that holiday retails sales in Canada would grow four percent over last year. Millennials would drive spending, with British Columbia leading in sales. The report also revealed that Millennials interests would shift from consumption to experiences, both online and in-store. With 19 percent decrease in...

Nov 18, 2015

Canada Lacks E-Commerce Skills Compared to the USA

Most developed countries take advantage of the internet via its commerce uses. From dating websites to bill paying to shopping, internet payment technology is soaring in many countries. However, as trendy and young as Canada may seem to be, their e-business skills lack compared to the USA, the UK, and Europe. They reason for this is odd, because Canadians are...

Nov 02, 2015

EMB Payment Solutions Can Boost Canadian Merchant Profits

Many Canadian merchants face the same discrimination as their American brethren once they are labeled “high risk.” Often they can’t secure payment processing from traditional payment processors like banks. Being denied payment processing is almost a death sentence to many businesses as processing systems allow customers to pay with a variety of options like debit and credit cards, checks, online...

Oct 20, 2015

Canadians Geared to Adopt Mobile Banking Technology | Canadian Merchant Accounts

Canadians are quickly starting to adopt mobile payment practices and credit card use. Credit card use has risen up 34 percent from 2014. A recent TSYS Canadian Consumer Payment Choice Study shows how eCommerce is boosting digital engagement. Canadian consumers are learning what they want from credit cards, retailers, and mobile apps. The TSYS report shows that loyalty and rewards...

Oct 13, 2015

Canadian Retailers Feel the Pinch of Loonie Decline

Canadian retailers are expected to raise their prices in the coming months due to the weakening of the Canadian dollar and growing cost of imported goods. The loonie’s value has slid 16 percent over the last year against the U.S. dollar. This has made purchasing across borders more expensive for Canadian companies and is pushing Canadian retailers to hike their...

Sep 30, 2015

Focus on Customer Service is Driving Sales for Canadian Retailers

Right now retailers are feeling better than ever. According to the third annual Canadian Retail Insights Report released today by American Express, around 82 percent of businesses surveyed believe that a focus on customer service is the reason for profit increases. And 97 percent said they will use customer service to differentiate themselves from the competition. Jennifer Hawkins, General Manager...

Sep 28, 2015

Canadian E-Commerce on the Rise

E-commerce is finally gaining steam in the Canada. Last year e-commerce only counted for about 6 percent of all retail spending, which is about 3 percentage points behind the U.S. E-commerce experts say there are a variety of reasons for this trend, which include web infrastructure, and high transportation costs. Still Canadian consumers have started to make more purchases online...

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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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