Exclusive Ecommerce Merchant Account Options From EMB

Aug 11, 2016

Modern business owners cannot run an online business without using merchant account services. Payment processing is necessary for being able to accept credit and debit card payments from your customers. So you should take your time to study all the available options for your company and choose what is right for you and your business.

Merchant Account Services

Merchant account services are developed to provide payment processing for various businesses such as high risk, retail, online, and mail order/telephone order (MOTO). With the help of merchant accounts, you can accept such popular cards as American Express, MasterCard, Visa, and others.

To get the best for your business needs, you should turn to a reputable payment processor like emerchantbroker.com. EMB is the number one high risk merchant account provider in the United States and boasts and an A+ rating with the Better Business Bureau. With EMB, you can get a top secure and reliable ecommerce merchant account for payment processing, and combat fraud and reduce chargebacks without ease.

What Does Your Company Need?

When starting an online business, you should choose a trustworthy payment processor like EMB that offers not only the above-mentioned payment processing options but also enables to accept ACH or Automated Clearing House debit payments, and checks. The right payment processor should offer you next-generation mobile technologies and merchant services to help you expand and grow your business.

When applying for an ecommerce merchant account, do not forget about the reliability of payment gateway solutions, business funding, instant check processing, and fast application processes. Finally, there is another aspect to focus on. You can accept payment cards in person like in retail stores, and online, using an ecommerce website. The former is known as a Card-Present or CP transaction. The latter is called a Card-Not-Present or CNP transaction.

Given Card-Not-Present payment processing, the cardholder and payment card are not physically present while making a payment. Such transactions are typically found online and for mail or telephone order sales. In the case of Card-Present payment processing, you deal with face-to-face transactions.

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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 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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