Jul 18, 2019

Incentives May Drive Mobile Wallet Use

For mobile wallet use to really take off, companies are going to need to bring a little something extra the table. People like getting rewards, discounts, and other perks from using credit cards. When mobile wallets get in on the action by offering incentives for usage, expect use to blossom. Some Background on Mobile Wallets Experts in the payment industry...

Apr 15, 2019

Cashless Payments Won’t Kill ATMs in the U.S. – Yet

Though many have embraced using mobile wallets and contactless payments, cash isn’t expected to go anywhere soon in the U.S. It may no longer be the king it once was in places like Sweden and China, where people are rushing toward cashless societies, but people in this nation aren’t abandoning their cash yet. With people still using paper money and...

Oct 11, 2018

Rebrand Helps Google Pay Emerge as a Cheap Payment Option

Google Pay Adds P2P and Mobile-Ticketing Features, But Google Pay Send Still Lives Since Android Pay and Google Wallet were organized into the single service, Google Pay during the summer, it has emerged as one of the cheapest payment services around. In July, Android Pay app was rebranded as Google Pay, and the Google Wallet app which is called Google...

Jul 27, 2016

Microsoft Launches Mobile Wallet As A Cloud-Based Payment Technology

US technology giant Microsoft has introduced its mobile wallet feature in its mobile app. Currently, the feature is available for Windows Insiders using build 14360 or higher. The company calls it a “cloud-based payment technology.” Microsoft’s Mobile Wallet Microsoft has recently announced its wallet for mobile payments, which is a competitor to Apple Pay, Samsung Pay, and Android Pay. Mobile...

Apr 22, 2015

Apple Pay Customers are Repeat Customers

Studies have shown that those who pay with Apple Pay are more likely to return to the same store again in the future. Perhaps it is because they genuinely like the store, but it is even more plausible that it is because they are able to use Apply Pay. While it gets a lot of press, like Bitcoin, many merchants...

Apr 09, 2015

Can Samsung Pay Compete in the Mobile Wallet Game?

The new Galaxy S6 and S6 Edge are equipped with more than great apps and sleek tech, they also come with a formidable mobile wallet. Samsung Pay is the dedicated mobile payment processor that utilizes LoopPay technology to allow users to pay with their smartphones. Based on magnetic stripe and radio field tech, Samsung is poised to rival Apple Pay...

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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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