Oct 13, 2016

Changes Coming For Swipe Fees? Maybe.

We in the ‘States are applauding the Canadian effort to rein in swipe fees for plastic payment cards. We all know these issues: 25 cents for this card, 10 cents for that card, 30 cents for this other card – plus other “hidden fees” per charge. And, if you are a high risk merchant you probably pay more. Canadian merchants...

Apr 18, 2016

Comprehensive Payment Processing Services For Canadian Merchants

Highly reputable companies like EMB offer secure payment gateway and payment processing solutions Canadian merchants. Those, whose business and banking system are operating in Canada, can apply for the mentioned merchant account services. Choose What is Best for You Turning to true professionals in the field, merchants get a perfect opportunity to enlarge their business and raise revenue. One of...

Mar 31, 2016

Canada, #1 Merchant Buddy of U.S.

The MCM Outlook 2016 survey reveals that Canada is the leading country that U.S. merchants are selling to. This makes sense considering the 4,000 mile long border shared by the two countries, a common language, and daily border traversing for generations. But Canada wasn’t the only U.S. merchant buddy. The UK (31%), Australia (26.20%), Germany (23.80%), and Mexico (23.80%) are...

Mar 28, 2016

Canadian Retailers Hope for Interchange Rate Caps | Canadian Merchant Account

Retailers are rejoicing this year as Canadian lawmakers are considering a new bill that puts a ceiling on credit card interchange rates. The bill was brought to Canada’s House of Commons by newly elected Liberal MP for Rivière-des-Milles-Îles, Linda Lapointe. The proposed bill would make changes to the Payment Cards Network Act, but does not specify the interchange cap rate....

Feb 29, 2016

Apple Pay Comes to Canada | Canadian Merchant Accounts

Canucks, rejoice! You can finally access Apple Pay. While the US rollout had a few glitches (i.e. repeating transactions without a way to obtain a refund) the Canadian rollout should be effortless. While consumers are clamoring for this technology, merchants have not been as hot for it. It isn’t that Apple Pay doesn’t bring in the big bucks, but rather...

Jan 25, 2016

Women Lead in Canadian Online Business Boom

The old school thought of business owners was that only men could pave the way for new, innovative ways to conduct business. Thankfully our thinking has changed, and our change in thinking is proving a reality in Canada, where women are taking control of internet businesses and sales. It shouldn’t matter who owns a business, but the new wave of...

Dec 30, 2015

Mid-Size Cities Lead Online Deliveries

Online shopping has finally caught on in Canada. A new report by the Canada Post Corp. shows that the number of online orders requested and delivered has grown by 16% during the first half of 2015. Most analysts projected this growth as delivery has increased across the board. However, no one expected that midsize cities would be at the forefront...

Nov 30, 2015

Merchants Gear Up For The Holiday Shopping Season

”People are always going to go shopping. A lot of our effort is just: ‘How do we make the retail experience a great one?’ “- Philip Green Black Friday was adopted in Canada to compete with U.S. retailers to cut the number of consumers shopping abroad. Though e-retailing in Canada started developing slower than in the U.S., today, Canadian e-commerce...

Nov 27, 2015

The 2015 Canadian Holiday Retail Sales Projections are Promising

According to the Ernst & Young (EY) report, “Redefining Loyalty for Retail”, it was projected that holiday retails sales in Canada would grow four percent over last year. Millennials would drive spending, with British Columbia leading in sales. The report also revealed that Millennials interests would shift from consumption to experiences, both online and in-store. With 19 percent decrease in...

Nov 18, 2015

Canada Lacks E-Commerce Skills Compared to the USA

Most developed countries take advantage of the internet via its commerce uses. From dating websites to bill paying to shopping, internet payment technology is soaring in many countries. However, as trendy and young as Canada may seem to be, their e-business skills lack compared to the USA, the UK, and Europe. They reason for this is odd, because Canadians are...

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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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