Jun 17, 2015

Canadian Merchant Accounts Get Ready for New AMEX Pricing

Global payments will soon launch its OptBlue program. This will be used to adjust AMEX card pricing for Canadian merchants. This new pricing has been in use for small merchants in the United States since 2014, and so far it has worked well for the merchants, customers, and AMEX. While this is bound to be great for merchants, customers, and...

Jun 11, 2015

What to Watch for in Canadian Business in the Coming Months

There is much to look at in Canadian business the beginning of this month. The beginning of this year has seen many changes on the Canadian business scene. These changes range from oil prices to environmental organizations to job reports. Those who have invested their earnings in the stock market anxiously awaited the reveal and outcome of the latest earnings...

Apr 28, 2015

World Watches as Moneris Signs Big Deal with Government of Canada

On March 19, Moneris Solutions Corporation (Moneris) announced a historic deal with the Canadian government. Moneris, one of the leading processors of credit and debit payments won a competitive bid to be the payment acquirer for the Government of Canada. The company will provide card processing services to over 38 federal departments and agencies that accept payment cards across the...

Apr 22, 2015

Canadian Merchants, Visa Wants Your Business!

Visa is hitting the road with an EMV tour, thanks to low Canadian small business processing rates. While many are turning to paper money, Visa sees this drop as alarming. Canadian merchants should be on the lookout, as these events are sure to full of helpful information. However, there is one thing that you need to know, whether you attend...

Mar 18, 2015

EMV Growth has Equaled Less Canadian Fraudulent Activity

Fraudulent card activity is up in the states. However, in Canada they are sinking, thanks to EMV’s rise. Thanks to the security-smart EMV cards, fraudulent activity is actually 40% lower than it was in 2013. The data also shows that 80% of all fraudulent card activity takes place outside of Canada, mostly in places where EMV technology is not currently...

Dec 29, 2014

Canadians Not Sure if Mobile Payment is Secure

Mobile payment technology has accelerated in the Western hemisphere. The U.S. is making major headway with consumers, especially millennials, with the release of Apple Pay and other mobile payment processing systems. However, Canada is not adopting mobile technology as rapidly as the United States. GfK Canada, a Canadian research firm, says they believe adoption of mobile technologies will speed up...

Sep 18, 2014

eMerchantBroker Invades Canada!

Canadians rejoice! eMerchantBroker (EMB) has now come to assist your Canadian high risk merchant account. After years of unmatched service and exceptional quality in the United States, eMerchantBroker now offers high risk payment processing for businesses and entrepreneurs living in Canada. Canadian merchants whose businesses have been labelled “high risk” face tremendous obstacles when searching for traditional payment processors and...

Sep 13, 2014

New ATM Skimmer Will Make your Money Disappear – Canadian Merchants Beware

The European ATM Security Team (EAST) reports that it has discovered a new mini-ATM skimmer. While traditional skimmers are made to sit on top of ATM card slots and record card numbers, this new skimmer fits inside the card reader throat. Although only one of EAST ‘s member countries has spotted the mini-skimmer, it is an insidious reminder that criminal...

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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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