How Mobile Integration Will Keep Your Business Alive

May 19, 2016

The world of retail has changed. Fewer consumers are going to the store to shop; instead they are opting to shop online from the comfort of home. And if they do shop at a store, consumers have more than likely used the internet and cloud-based apps to research purchases before stepping foot inside a retail space. Today’s customer is looking of real-time advice, guidance and solutions using mobile apps and the internet, before going to the store or in lieu of it. A recent survey of 1004 customers on shopping technology trends and devices revealed that: 24% of consumers prefer to shop on a variety of devices and platforms, 48% prefer shopping online, and 52% prefer to receive texts from retailers about sales and product information. So how does the modern merchant tap into consumer behaviors to attract more business and boost profits?

Merchants seeking long-term success must invest in customer engagement solutions to attract and keep in contact with consumers. The mobile space is the next frontier of customer and retail engagement. Some merchants have found success through apps that integrate real-time and self-service platforms. Take for example Cachet Financial Solutions, a financial company that uses cloud-based apps to offer their customers a full suite of financial services like check-to-card loading, social media integration, enhanced self-service, cash back rewards, expedited bill pay, card-to-card transfer, a personal finance manager, and mobile messaging.

The ability to message and contact a real-time service agent in the mobile app allows Cachet Financial Solutions to communicate with customers in real-time without customers having to re-enter their personal information. This high level of interaction and availability of company representatives has attracted new clients, secured existing clients, and increase customer loyalty.

Today, the customer is in charge. Their needs, experiences, and preferences set the tone for company growth strategies. Businesses that make a personalized experience to serve customers will be leagues ahead of competitors. Companies that don’t invest in these types of initiatives will be left in the cold.

If you are an online retailer, you’ll need high risk processing services to make paying convenient for customers. Legitimate third party processors like and others are well versed in high risk credit card processing. Give your customers the ability to pay their way with mobile, credit cards, debit cards online checks and more. Contact us now to learn more about our low cost, low hassle, payment processing.

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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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