Oct 16, 2014

MasterCard’s Newest Idea: Purchasing by Heart Rate | Help Desk Merchant Account

MasterCard is never out of ideas, it seems. Their newest experiment involves using ones heartbeat to determine their purchasing trends. While it seems plausible that a faster heartbeat means a purchase, MasterCard is looking to what makes people shop. This is a good idea, and it could even help in therapies to help compulsive shoppers. MasterCard also recently made headlines...

Sep 10, 2014

Do Happy Customers Also Mean Happy Employees?

Success of any business is based on two very important stakeholders – employees and customers. The fact that a proactive customer service helps build relationships and keep the customers happy is not news to anyone. But, what if there was a link between the happiness of the two parties? What if you could keep both these stakeholders happy through arranging...

Aug 11, 2014

ISOs Get Ready: Apps are Here to Help you Explain Client Pricing

Apps exist for nearly everything, including an app that helps explain pricing to clients when they are looking to hire an ISO, or help desk. The app is named Square Deal Pro, aptly named after President Theodore Roosevelt’s “square deal” speech. It is available to Android and iPhones, and costs $15. Explaining pricing methods and guidelines can be difficult, even...

Jul 28, 2014

Getting Customer Relations Right

Social media is allowing every customer that walks into your business, the opportunity to relay their experiences to their friends and family. This has the potential of growing your business from every visitor. However, it can have a negative impact too, if their experience is not satisfactory. It is important that you consider every customer has the ability to reach...

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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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