Nov 25, 2020

6 Elements To Consider When Choosing A Payment Gateway

According to The Payer’s “Payment Methods Report 2019”, it was found that 86 percent of customers use both their credit cards and debit cards to make their online purchases. When it comes to making a purchase, more than 60 percent claimed that this same method was their preferred form of payment.  The primary goal behind payment gateways is to make...

Sep 22, 2020

How Payment Gateways Guarantee Online Payment Security & Safety

Payment gateways play a critical role in the transaction flow between customers and online merchants. Gateways provide payment security, ensuring safe transactions, even in the absence of the one-on-one buyer-seller experience. Because web merchants rely almost entirely on trust, more and more criminals target eCommerce businesses to steal from them and their customers. Many instances of eCommerce payment fraud are...

May 04, 2020

Integrating Square With Shopify

Square and Shopify can now be seamlessly integrated using the EMB Gateway. Square and Shopify are by far two of the most popular POS systems available on the market today. Square is an all-inclusive and free mPOS app.  Founded in 2009, it was the first company to enable businesses to process credit cards with just a free card reader and...

Jan 20, 2020

What Are The Best Payment Gateways For Shopify?

When you are a merchant on Shopify, you want to ensure that your payment gateway provides both security and reliability to deal with your customer’s everyday transactions. Knowing that their confidential financial information is safe in your hands, customers will feel confident making purchases in your online store. Here are the best payment gateways for Shopify. Shopify Payments Shopify comes...

Sep 30, 2019

The EMB Payment Gateway: A Robust and Flawless Solution

Payment gateways are a merchant service that processes credit card purchases for online businesses as well as brick and mortar retail shops. Some of the most popular and well known payment gateways include PayPal, Square and Stripe. Another way of describing a payment gateway is that it’s very much like a cash register that processes electronic transactions.  Like physical cash...

Aug 28, 2017

Security Plugins Shopify Merchants Should Use

E-commerce is thriving and growing with rapid advances. Online sales in the US are expected to account for $523 Billion by 2020, which is up 56% from $335 billion in 2015. Secure Payment Processing for Your Online Business As online sales are growing, fraud is increasing throughout e-commerce as a whole. According to Business Insider, fraud cost US retailers $32...

Aug 25, 2017

Open Payment Platforms And What They Offer

The rise of APIs and the race for consumer loyalty have made payments players think of innovative solutions like never before. This has resulted in a new openness to outside developers. Both in the US and abroad, many organizations are opening up developer portals or joining open banking working groups, either by choice or by regulation. Open Access Is Spreading...

May 05, 2017

How You Could Benefit From Accepting Credit Cards Online

Last year, the research showed there was a rapid decline in cash payments. 55% of the nation’s 27 million small businesses didn’t accept credit cards, and because of this they potentially missed out on $100 billion in annual sales. Even though cash continues to be the most commonly accepted payment type for small business owners, accepting credit cards counts for...

May 05, 2017

What You Should Know About Internet Payment Gateways

Thanks to online Internet payment gateway, payment processing can be completed through any device with Internet connection. It allows merchants to accept credit cards and signature debit cards through any Internet connection, without the need for a terminal. Also, it gives you an opportunity to process credit card orders from your website in real time. As a result, your customers...

Mar 27, 2017

The Impact of Value-Added Services On The Payment Gateways

With e-commerce becoming more globalized, merchants are looking for opportunities to benefit from the process and partner with a payment gateway. Value-added Services for Global Payment Gateways Value-added services are important for global payment gateways. When it comes to merchants who extend their reach to other countries, they get support from payment service providers. Merchants are offered front-end processing and...

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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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