The Issues SEO Companies Face in Setting up SEO Merchant Accounts

Jul 29, 2014

How do you successfully set up an SEO merchant account when many traditional merchant account providers decline SEO companies? If you are a start-up company, you have probably run into even more issues, especially since start-up SEO companies often require volumes of 60k+ per month. If your company specializes in website design, pay-per-click management, search engine marking or optimization or web hosting, you are going to run into some issues in trying to find a processor who will offer you a merchant account.

Customer Preferences

The preferences and habits of customers can make it difficult for a newly established business or an existing company to find services that not only work for them but also please their customers. For example, PayPal does not allow for a PayPal merchant account set up for this industry. Regardless, customers seem to prefer using other means of payment; such as AMEX, MasterCard, or their Visa.

Large Transaction Fees

Another aspect that makes it difficult to find a merchant account processor that is willing to work with you is the large transaction fees involved in web design companies. Because it is typical to charge large fees to clients, it is hard to find a processor willing to process such transactions.

High-Risk Business

Merchant banks are usually concerned about your capability to support the potential chargebacks that will arise. In this industry, contracts and services may become complicated. In the event that a client wins a chargeback, you will be forced to collect your funds through other legal means. In addition, any cancelations by clients will have to be fully credited. This can be an issue since no merchant account processor allows for more time above annual billing.

Due to these potential setbacks or issues, the industry is often labeled high-risk.

While it may take some time and research, it is not impossible to find a merchant account processor who is willing to work with you and your needs. At, three separate merchant accounts are offered. Each one consists of 25k per month in volume. As a result, you can potentially process 75k in transactions in a month’s time.

Still not enough? It is possible to set up multiple accounts with 100k in volume for each account. Don’t let the high-risk nature of the industry and large transaction fees discourage you! There are options available to help your business grow and succeed.

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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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