Jan 13, 2020

Selling CBD products on Shopify

Last September, Shopify made the announcement that all US-based merchants utilizing their platform will be allowed to sell hemp-derived CBD and CBD-type of products only where it’s permitted by state and local law.  Although Shopify merchants cannot use Shopify’s payment gateways, they can take advantage of their partners Authorize.net, DigiPay, and eMerchantBroker.com, as payment gateway solutions for merchants. Forbes has...

Jan 13, 2020

Cashing in on E-Commerce | Holiday Shopping Season Lessons

eCommerce is on the rise all around the globe. Why? It’s simple! All consumers need is just a click of a button to buy goods from any corner of the world. Let’s move forward to dive more into the topic and find an exceptional payments expert for you. eCommerce Is Growing Globally Retailers are looking for ways to take more...

Dec 17, 2019

90% of UK Retailers Are Investing in Click & Collect

According to GlobalData, a leading data and analytics company, the UK’s click & collect market is set to increase by 45.8% within the next five years, reaching £9.8bn by 2023.  Retailers plan to capitalize on this demand, with 90 percent planning to invest in this service in the next five years. Almost nine in ten retailers (87 percent) report that...

Dec 17, 2019

The Layers of Accepting CBD Payments

Cannabidiol, or CBD as it’s commonly referred to, has seen a surge in both popularity and profitability within the last few years. Despite this, it’s still hanging in a gray area of legal limbo. Because of the ever-changing state of legality, it can be confusing to navigate the landscape of merchandising, especially because different states have different regulations for dealing...

Dec 17, 2019

How to Scale Your Drop Shipping Business

Are you trying to figure out how your company can handle increased fulfillment duties? What about resources to offer an expanded product assortment variety? Are they enough? Are you providing excellent customer service? Well, all these are questions key to the success of your drop shipping business. Let’s move forward to see how you can scale your business. Drop Shipping...

Dec 13, 2019

Pros and Cons of a Payment Aggregator

In 2018, eCommerce represented about 14.3% of total retail sales, and that number is only expected to go up every year. Being able to conduct business online allows you to connect with a wider group of consumers while lowering your overhead cost of renting space and paying employees. However, to accomplish this, you need a dependable way to process payments. ...

Dec 13, 2019

Prevent Credit Card Fraud in 3 Steps

As a business, your ability to act in your customers’ interests is paramount for return business. Obviously, the first level of this is to provide honest, dependable and high-level services or products. But, in today’s world of growing fraud, that isn’t enough. It seems almost like every other day there is a data breach attached to a big name business....

Dec 13, 2019

The Next 10 Years in The High-Risk Merchant Account Industry

Running an e-commerce business isn’t easy unless you provide your customers with secure payment options. Importantly, there’s no growth without working with a trustworthy payment processor in your field. What about a high-risk merchant account? This article is here to help you with all his. High-Risk Merchant Account Reliable, low cost and secure high-risk credit card processing is key to...

Dec 12, 2019

Faster Payment Adoption Isn’t Moving Fast Enough

In a world driven by progress, sometimes it’s easy to expect changes that are further away than they may at first seem. Such is the case when it comes to the realm of faster payments. Faster payments refer to a system of transfers that are instantaneous or almost instantaneous. The way systems work now, both individuals and companies alike can...

Nov 26, 2019

4 Types of eCommerce Fraud Online Retailers Need to Know

Ecommerce fraud is a problem every online retailer faces. Signifyd, an eCommerce fraud protection provider, reports that in 2018 total fraud losses were 7 percent of revenue, totaling over $10 billion, a 3 percent increase on the previous year. The situation is even worse in some verticals, with the beauty and jewelry industry losing over 10 percent of revenue to...

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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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