MasterCard’s Quarterly Profit up by 21% from Increased Transaction Volumes

Feb 27, 2015

MasterCard Inc. Quarterly Profit increased 21% in net income for 2014’s fourth quarter.  Aided by higher transaction volumes from U.S. and international sales, MasterCard reported  an $801 million profit versus $684 million a year before. With net revenues of $2.42 billion, adjusted for foreign-currency effects and excluding special items, from $2.13 billion at the end of 2013. Debit and Credit card transactions continue to increase amidst the economy.

Cardholders continue to enjoy the simple and secure alternative of online shopping along with purchasing from retail stores. While consumers don’t spend money as frivolously as they did in the past, shoppers are still buying consciously amidst the economy. More than ever, shoppers are relying on debit and credit card purchases, especially online shoppers, to save time and to avoid checkout hassles.

MasterCard’s debit and credit purchase volumes manage to make healthy gains in the U.S. market at the end of 2014 compared to the end of 2013. Credit purchase volumes rose 8% to $160 billion versus 2013’s fourth quarter of $148 billion, with a 6% transaction increase of 1.78 billion from 2013’s transaction volume of 1.68 billion. In debit purchase volumes rose 8.5% to $138 billion from $127 billion a year earlier, with a transaction volume increase of 8% totaling 3.52 billion versus 2013’s quarterly of 3.26 billion transaction volume.

The worldwide credit and debit purchase volume rose 12% to $858 billion from $805 billion last year. If you haven’t done so already, now would be a great time to open a high volume merchant account at for your business. Start accepting credit and debit cards and increase sales volumes. eMerchantbroker’s expertise in the industry bring ease of use and great customer feedback from their services.

More online-shopping purchases are being made as technology such as smartphones and computers become household mainstays. MasterCard’s profit beats expectations as customers spend more amidst the economy. MasterCard and Visa Inc. benefit as more people use cards instead of cash all across the world.

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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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