Jan 14, 2016

ONLINE PHARMACY, A HIGH RISK BUSINESS?

“The biggest risk is not taking any risk” – Mark Zuckerberg Online pharmacy is a leading business on today’s eCommerce market.  According to Research and Markets, the industry will count for over $75.3 billion in 2017. The reason is that there is a growing interest in health and wellness, and the demand for dietary supplements is increasing rapidly. Online Pharmacy...

Sep 25, 2015

Take Your Nutraceutical Business to the Internet

According to a recent report by Research and Markets, the nutraceutical industry will reach $75.3 billion in a few years. There is a growing number of consumers who want to invest in their health and the health of their children. As a result, pharmaceutical companies and large retailers are investing resources into the industry that has accelerated its growth. For...

Apr 13, 2015

How to Win the Merchant Click

Do you know what it takes to “win the click” and stay ahead of your competitors? Understanding acronyms and terms like tweets, likes, unique clicks, PPC and SEO will determine whether or not independent sales organizations and acquirers pass you by. These digital marketing efforts are an extremely effective online way to help merchants notice your company. Especially for the...

Nov 26, 2014

The #1 Thing You Need For Starting Your Nutraceutical Business

The nutraceutical industry is booming, and with TV doctors and magazines, touting the product’s benefits the fanfare doesn’t seem like it’s going to die down anytime soon. It’s a great time to get into the industry, thanks to this fanfare and the massive amount of products that are offered However, you may have a tough time obtaining the one thing...

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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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