Nov 22, 2016

What Ingenico’s Mobile Commerce App Means to You

New to the mobile payment world is the Ingenico ROAM suite of mobile applications. These include ROAMpay and ROAMbuy, which help sales agents, mobile workforce professionals, and merchants reach and service consumers on their own mobile phones. This is great, right? Of course! What better way to get new customers but through a mobile app. Mobile Commerce represents the ultimate...

May 27, 2014

Fed Looks To Improve Mobile Payments

The federal reserve bank is looking to improve the United States’ payment system. Using town hall meetings held around the country to get input, the Fed seeks to make payments in the United States more competitive like the rest of the world. First though, there are many issues to be addressed. Improving the U.S. Payment system involves making electronic payments...

Apr 14, 2014

Cashing In with Mobile Commerce

The time has come for merchants to take consumer convenience and security to the next level, and mobile marketers may have found a way to make payment processes faster and more convenient for merchants and their customers. Yowza, a mobile marketing brand by Spindle Inc., has launched a new and creative reseller program that gives merchants a way to send...

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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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