Jul 28, 2017

Consumer Attitudes About Ecommerce Security

In 2016, 15.4 million Americans were hit by online financial fraud, which was a 16% increase to $16 billion in stolen money. The fact that there was $1-billion climb from 2015 indicates that this type of fraud isn’t going to disappear soon, especially with the surging popularity of online shopping. What Do Numbers Show? According to pymnts.com, ecommerce fraud has...

Apr 13, 2017

Recent Report On Mobile Payments And Cross-Border E-Commerce

According to a global survey of 2.300 companies and consumers, fast-growing companies are more likely to embrace and accept mobile payments than those companies that experience slower growth. 43% of companies whose profits are growing by at least 11% offer a mobile app that supports payments. The same can be said about 34% of companies that have slower profit growth....

Feb 13, 2017

POS Card Payment Terminal That is Right for Your Retail Business

If your business is among the many exploiting their gains on the internet, you need to integrate a payment gateway into your website for easy and direct transactions. Brick and mortar establishments, on the other hand, require point-of-sale terminals for payments. As the owner of such a shop, you might be thinking that once you’ve acquired a merchant account from...

Mar 29, 2016

Ways to Improve Your Online Retail Business

Retail is hard, regardless of whether you have a brick and mortar store or an online-only business. Online only businesses have extra challenges, thanks to increased chargeback risks and the uncertainty of operating exclusively online. Marketing can also be tough, and while your online retail merchant account can guide you, some ideas of marketing are truly off the cuff. First...

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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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