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...

Nov 02, 2015

EMB Payment Solutions Can Boost Canadian Merchant Profits

Many Canadian merchants face the same discrimination as their American brethren once they are labeled “high risk.” Often they can’t secure payment processing from traditional payment processors like banks. Being denied payment processing is almost a death sentence to many businesses as processing systems allow customers to pay with a variety of options like debit and credit cards, checks, online...

Oct 20, 2015

Canadians Geared to Adopt Mobile Banking Technology | Canadian Merchant Accounts

Canadians are quickly starting to adopt mobile payment practices and credit card use. Credit card use has risen up 34 percent from 2014. A recent TSYS Canadian Consumer Payment Choice Study shows how eCommerce is boosting digital engagement. Canadian consumers are learning what they want from credit cards, retailers, and mobile apps. The TSYS report shows that loyalty and rewards...

Sep 30, 2015

Focus on Customer Service is Driving Sales for Canadian Retailers

Right now retailers are feeling better than ever. According to the third annual Canadian Retail Insights Report released today by American Express, around 82 percent of businesses surveyed believe that a focus on customer service is the reason for profit increases. And 97 percent said they will use customer service to differentiate themselves from the competition. Jennifer Hawkins, General Manager...

Sep 28, 2015

Canadian E-Commerce on the Rise

E-commerce is finally gaining steam in the Canada. Last year e-commerce only counted for about 6 percent of all retail spending, which is about 3 percentage points behind the U.S. E-commerce experts say there are a variety of reasons for this trend, which include web infrastructure, and high transportation costs. Still Canadian consumers have started to make more purchases online...

Sep 15, 2015

EMB Now in Canada! Open your High-Risk Merchant Account Today

If you currently do business in Canada, you might as well start celebrating because eMerchantBroker is coming there! If you already know about EMB – and most Canadians certainly do – then you will be relieved knowing that with the arrival of the vastly experienced payment processing account provider, all your “high risk” worries can be tossed out of the...

Aug 24, 2015

Canadian Merchants are Ahead of the Game in Terms of Mobile Payments

While merchant state side are lowing turning to mobile payment acceptance, our northern counterparts have already taken over the game. Today’s youth embraces all things techie and app-based, and Canadian youth and young adults are using mobile payment apps, and merchants are embracing this change. While security issues may be on the minds of merchants, customers love the ease of...

Aug 11, 2015

Tips for New Business Wanting to Accept Credit Card Payments

The world runs on plastic card payments, and if you are a merchant, you need to accept these payments. While a Canadian merchant account may cost you a little, the benefits it can add to your business greatly outweigh processing fees. The ease of plastic card usage can translate into a bigger profit, and a better reputation in your area....

Jul 16, 2015

Canadian Property Owners in a Jam with Foreign Businesses

No one wants to see vacant storefronts, but this is becoming a regular trend in Canada. One of the biggest issues is not the Canadian economy, but rather the fear that international (RE: American) businesses can bring hacking issues with them. What is even more frustrating for customers and property owners alike is that many American-based retailers, such as Target,...

Jul 16, 2015

Amidst Growing Sales, Canadian Merchants Still Face Challenges

Canadian online sales are up, which is great news of the overall economy. However, Canadian merchants are still struggling when it comes to dealing with their online businesses. From employment to processing, the challenges are endless, and many are left questioning their decision to enter into their own business. While some things will always be a challenge for a business...

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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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