How A High Risk Merchant Account Will Help During The Holiday Shopping Season

Dec 05, 2013

The holidays are here and for merchants, this means more sales and an overall busier schedule than what they are accustomed to. The Black Friday spending totals for 2013 are in, and according to the National Retail Federation, there has been an increase in consumers who shopped during this time period

For merchants who are considered to be high-risk merchants, this is good news as it means that this sector is not suffering from the hard economical times as it was a few years ago.


The NRF reported that there were around 59 million people who shopped online spending an average of $178 per transaction. It was estimated that there were around 141 million shoppers considered unique that came out to stores during this shopping period as well. With these types of numbers that show an increase from 2012, it seems that shopping is becoming more stable, as people are once again spending their money.

Those merchants who are considered high risk, often deal with products that are not always purchased by consumers such as products related to guns, travel services, coin shops, adult products, and the like. Many times these merchants are hit hard during the holiday season. Yet, a high-risk merchant account for the holiday season is extremely important to have, especially during this particular season.


The reason for the importance is that there has been an increase in spending this year. This does mean that more people are buying products for the holiday season, and the products that high-risk merchants offer are products that people are interested in purchasing. In fact, the NRF is reporting on total sales in the retail industry, meaning that high-risk merchants were included in these statistics. Due to the nature of products offered by high-risk merchants, they have been increasing their sales and offering deals that are only going to be seen during the holiday season.

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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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