Jun 16, 2015

Three Tips for Help Desk Success

Help desks are great resources for businesses and consumers, but it can be tough to operate one correctly. The vital technological resources that a help desk provides are often the only thing standing between a successful business and a failing business. This is why the businesses are so important, and why many get into the business. While it can be...

May 22, 2015

Help Desk Adds Revenue for Merchants

Customer service is not new, but the need for great customer service is. In the past years customer service reps have slacked on the job, and it can be the downfall for a business. Many successful businesses have customer service issues, and these issues can leave you with bad reviews and complaints. In today’s social media-driven world, one bad review,...

Aug 11, 2014

ISOs Get Ready: Apps are Here to Help you Explain Client Pricing

Apps exist for nearly everything, including an app that helps explain pricing to clients when they are looking to hire an ISO, or help desk. The app is named Square Deal Pro, aptly named after President Theodore Roosevelt’s “square deal” speech. It is available to Android and iPhones, and costs $15. Explaining pricing methods and guidelines can be difficult, even...

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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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