Feb 16, 2017

Why You Should Use a Separate Merchant Account for Each E-Commerce Website

Statistics show that the majority of multiple business owners use one merchant account for all their payment processing needs, and we don’t blame them. After all, it is simpler and much easier to manage. However, smart entrepreneurs choose to open a separate account for each new business. Why? Let us elaborate. 1. Different levels of risk A merchant account is...

Dec 23, 2016

Things To Consider When Processing Payments on the Web

Often eCommerce merchants spend just a few minutes on online payment processing. They usually focus on the website’s design, without trying to create a web page that is easy to use. When choosing an online payments processing service, payment relationship can be built either with a payment gateway (directly) or via an ISO or Independent Sales Organization (indirectly). Do your...

Nov 22, 2016

E-Commerce Merchant Accounts Can Help a Struggling Business

While e-tailers are still doing business, some are finding that their business is slowing thanks to higher card fees and new industry regulations. While this is true for some, it should not decrease your business. There are many ways to keep your e-commerce business booming – namely an e-commerce merchant account. We all know that a merchant account helps us...

Nov 01, 2016

The Partnership Between Walmart And JD.com

In 2015, the retail giant Walmart acquired its own online marketplace in China. In June, the company announced it was going to partner with JD.com, China’s 2nd largest e-commerce company. Walmart Changed Its Plans After selling its online marketplace Yihaodian to JD.com, Walmart is going keep the Yihaodian direct sales business and become a retailer inside Yihaodian. The company will also bring its...

Mar 17, 2016

Riskiest States For E-commerce Merchants

Experian, data analytics and fraud prevention provider, has examined a large number of ecommerce transactions completed in California, Delaware, Florida, Oregon, and Washington, D.C. These transactions proved to have the highest rates fraud. The Highest Rates of Fraudulent Transactions California, Delaware, Florida, Nevada, and Oregon were found to be the riskiest states with regard to fraudulent transactions. The riskiest billing...

Nov 25, 2015

6 Essential Steps in Making an E-Commerce Business Venture Successful

Running an e-commerce business is becoming more and more attractive. However, for those planning to launch a business, this undertaking should not be approached casually. Whether you plan on running the business part-time or full-time, a lot of work goes into creating a successful e-commerce website. As attractive as an e-commerce business is, it will not work if you plan...

Nov 23, 2015

E-Commerce is Booming – But Issues Still Exist

E-commerce is growing around the globe. 2015 saw the boom of social media selling, new selling apps, and more hacking’s. Hacking’s are no longer a top story on the news, because the happen so often. From in-store scams to online hacking’s, we are all at risk when we use a credit or debit card to make a payment. While online...

Nov 09, 2015

5 Ways to Make Your E-commerce Business

Every year the ecommerce economy is expected to grow exponentially. Opportunities to invest online are never ending. It is an exciting time to be an entrepreneur and a good time to get in on the base floor of ecommerce businesses. Total estimated ecommerce retail sales in America came in at $3.19 trillion for 2014, which was about 9.5 percent of...

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 23, 2015

E-Commerce Merchant Accounts Could be in danger Unless Merchants Act Now

Close to 75% of Point of Sale merchants in the U.S. either aren’t ready or aren’t aware of the switch to EMV, which will be happening on October, 1st. To hackers and fraudsters, this is possibly the best news in a long time! Since EMV cards are almost impossible to penetrate, hackers will eventually turn to e-commerce stores. It’s nothing...

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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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