Merchant Account Solutions for Your Online Furniture Business

Mar 09, 2015

Some furniture retailers are moving from the traditional brick-and-mortar structure to e-commerce. The number of furniture retailers moving online is dramatically increasing. While this structure may be desirable to business owners, banks are extremely hesitant.

Traditional furniture businesses are able to obtain services from traditional merchant service providers, but banks are unwilling to cooperate with furniture business that go online. The business of online furniture sales has been categorized has “high risk” by banks; this has made things very difficult for those wishing to enter this business.

One of the reasons for this high risk categorization is due to high chargeback rates that typically goes along with operating an online furniture business. In the event that furniture is damaged upon delivery of the item(s), it can lead to both chargebacks and disputes. In addition, the average transaction made for an online furniture stores is high compared to other online businesses. All in all, the above average high chargebacks rates, disputes, large tickets and higher volume makes banks shy away.

The main problem for those planning to start an online furniture business is the task of opening a merchant account. With banks shying away due to the high risk, it can make the situation difficult if not impossible. Fortunately, there are still safe and efficient options out there for you. is the #1 high risk credit card processing company. They boast a 95% percent approval rating and specialize in offering high risk merchants high risk merchant accounts. They can provide you with the online furniture merchant account and options that best suit your needs.

Their network, the largest network of its kind, can fit you with the ideal merchant account which opens new payment gateways for you. It can also tremendously cut down on the expensive rates from services.

With, the application process is simple, fast and hassle-free. There are no application fees and no VISA/MasterCard registration is required. Take advantage of the multiple secure payment gateways and competitive rates. Once your application has been reviewed and accepted, your merchant account will be opened quickly.

Don’t delay your road to success. can work with you so you can obtain the tools you need to start the business of your dreams. It is as simple as filling out an application or contacting an EMB representative.

Let us help you get a high risk merchant account today!

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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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