Sep 01, 2020

7 Ways Accept Online Payments for Your eCommerce Business

Are you wondering what methods you should use to accept online payments? Which one should you go for: No need to worry. This article is here to help you with online payment options for your customers. How to Accept Online Payments The way people send and receive money is changing. eCommerce businesses that fail to react to these trends are...

Aug 25, 2020

Quick & Secure eCommerce Payment Processing with Credit Cards

Collecting customer payments come with hidden security risks that an ecommerce business cannot ignore. Processing credit card payments can improve security and change how you take money from customers. Because you won’t be doing every bit of the transaction process alone, partnering with the right service provider further tightens payment security levels. How Credit Card Processing Augments Your Payment Process...

Aug 24, 2020

5 Ways AI is Transforming the Ecommerce Experience

The answer to ecommerce success is the same as brick-and-mortar: delight your customers. Simple and straightforward, or is it? Thanks to technology, the landscape grows more and more competitive every day. How can your online business keep up, while also impressing its customers through your service? Artificial intelligence (AI) might be the answer you are looking for. Here are 5...

Aug 21, 2020

4 Ways to Integrate eCommerce into Your Small Business in 2020

The more technology has become commonplace, the more important ecommerce has become for businesses. In order to ensure long-term growth and sustainability, businesses today really need to consider incorporating ecommerce. Due to the rapid changes and challenges COVID-19 has thrust upon business owners, ecommerce options have even become critical for business survival. If your business needs an ecommerce solution to...

Aug 21, 2020

8 Deadly Mistakes People Make When Building an E-Commerce Site

Risk assessment should be part of your everyday life if you want to be a successful business owner. And the process should be well thought out when setting up an e-commerce store. You want to identify all potential dangers and loopholes early to prepare adequately. Still, risk assessment is a never-ending process. Why? Because the e-commerce business environment is ever-evolving....

Aug 21, 2020

Already Growing E-Commerce Payment Trends Pick Up Speed with COVID

E-commerce and other payment trends have been gaining speed for some time. However, these trends are now being fueled by the COVID-19 pandemic and the flames are spreading fast. New debit card transaction data released early this month by Houston-based Pulse electronic funds transfer network confirms this. It is safe to say we are living in unprecedented times. As stay-at-home...

Aug 05, 2020

Protect Your eCommerce Store And Customers From Fraud

Based on a study conducted by the Association of Certified Fraud Examiners, it was found that nearly one half of small businesses have been victims of fraud during the life of their business. In fact, for every occurrence, the average cost was $114,000.  Even if you accidentally accept a fraudulent payment, you are at risk for being responsible financially for...

Jul 24, 2020

How To Know If Your Business Needs eCommerce Integration

A report released by eMarketer is predicting that e-Commerce sales are projected to hit $4 trillion by 2020. That comprises 14.6% of the sum total of retail spending this year. In the middle of this pandemic, the number of new online shoppers are continuing to rise and retailers are perking up to the financial potential that e-Commerce presents.  Something to...

Jul 22, 2020

How to Start Accepting Online Payments Securely

Providing a safe way for customers to make their purchases online is an essential part of e-Commerce. Neglecting this aspect can result in a host of problems including lawsuits, fines, and even worse, a tarnished reputation. This can certainly cripple a business, lose customers, and eventually close the business for good.  The Numbers Don’t Lie According to Digital Commerce 360...

Jul 18, 2020

Older Consumers Shopping Online Since Pandemic Outbreak

Using eCommerce integration will facilitate convenient and safe shopping for customers.  Since news of the COVID-19 pandemic broke, many older adults, concerned about complications from contracting the virus, have chosen to take extra precautions by not venturing out to purchase the goods they need.  Instead, they have turned to online shopping and other contactless means of purchasing.  According to eMarketer,...

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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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