May 10, 2017

How to Give Your E-Commerce Website an Edge

Starting a brand new e-commerce website can be an exhilarating and thrilling experience for any ambitious entrepreneur. It’s also something, however, that comes with many expectations. If you want your new e-commerce site to be a big hit, these useful and practical tips can get it moving in the right direction. Take Your Time Steer clear of the rather common...

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 23, 2015

Preventing Credit Card Chargebacks on E-Commerce Sites

Chargebacks remain one of the biggest issues for online merchants. Unfortunately, as more and more consumers take to online shopping, cases of chargebacks have only increased and can be expected to increase even further going forward. Essentially, a chargeback happens when a consumer realizes a mistake on their credit cards and calls their card issuer. The issuer then investigates the...

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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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