Jul 02, 2013

Mobile payments and security

MobiThinking.com points out that according to its research, by the end of 2013 there will more than 6.9 billion cell phone users globally. With the estimated global population being estimated at 7 billion, the number of cell phone users is indeed enormous. Cell phone users are increasingly conducting tasks such as online financial transactions via their Smartphone, such tasks were...

Jul 02, 2013

Google Checkout, Shutting Down As Google Pushes Wallet

In November, Google Inc will cease the operations of its Checkout online payment service after nearly 7 years. Google Checkout online payment service was touted as a rival to PayPal, this was announced last May through a blog post. According to the post, the internet search giant indicated that Google Checkout was being retired in line with the company’s shift...

Feb 29, 2012

How to Get a Free Online Merchant Account

Getting a Free Online Merchant Account Are you looking for a free online merchant account? Do you process only a few transactions per month and you want a free merchant account solution? eMerchantBroker.com has many providers in out network that offer a free online merchant account with no monthly fees. You will still pay for the transaction fees when your...

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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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