E-Commerce Jumps in the Third Quarter

Nov 26, 2013


“U.S. consumers spent $46.5 billion at e-retailers in the third quarter, up 14.6 percent from the previous third quarter,” according to comScore.

Most of the information on consumer sights about the consumer spending habits, says that our sales are up on the mobile devices. It’s no wonder; they are like a super computer in the palm of our hands. We can access most anything at the click or pat or tap of our fingers.

We can call for help or have a regular conversation. We can contact our vehicle and tell it to start and warm it up. We can turn on the lights to our house as we drive up so as to not enter in the dark. Our access to the internet is only dampened by the lack of signal from a tower.

If we need information we can search and get it right away. If we want to trade some stocks we can, if we need to purchase something and get it on the way, we can. And with the new mobile wallet application, we can save our cards in the phone and not have to type it in again and again.

The smart consumer would indeed purchase a device with all these capabilities. The only thing we need to be concerned about is fraud and electronic theft. So be on the lookout for ways to protect your information.

It only goes to show you

If you are a merchant and you see these results, it should make you find a way to be on the hip side of things. With billions of sales at stake, an e-commerce merchant account would be the way to go. Your online presence with phone applications can only boost the sales you already have.

Like an octopus

You are going to have to be like an octopus. HUH? Yes, like that funny creature with eight arms. Like a mother that multi-tasks and listens all at the same time. You’ve got to get your social media going, your online store, and your mobile applications. If you don’t know how, you better get going. There are thousands of “know it all’s” that can walk your through the process and teach you how to do this. It’s not rocket science, just commerce at the new level.

With the merchant account

Ask all kinds of questions and find out how things work. What you are going to be charged for this e-commerce account and why it has to be different. Is it really different or just fall under a new name? Make a list and ask all the questions on the list. You don’t want to forget things. And they have a great live chat area for you to get questions answered when you have forgotten them with the human answering machine.

So, don’t despair; there really are solutions for your problems, and once those are answered, no more issues; only sales and money in the bank. You can handle that right?


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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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