Trial Offer Merchants for Skin Care Industry Who Need a Merchant Account

Aug 14, 2017

Merchant accounts are needed for nearly every type of business. Unless you are a 100%
cash business, you need one of these accounts. Due to the overwhelming number of businesses
who utilize merchant account processing services, it seems like it would be easy to find an
account. For some it is, but for the majority of business owners in the USA it is not. For “high
risk” merchants, such as trial offer merchants, it can be difficult to find a merchant account.
Difficult, yes, but not impossible. Trial offer merchants for skin care have a high rate of
cancellations during the trial period, which looks bad on a merchant account record. Too many
of these cancellations can leave a processor scrambling to figure out what is wrong, when in
reality it is just part of the business. Many trail offer subscribers do not mean to subscribe, but
rather get the starter product, and nothing else. There is nothing wrong with this, of course, but it
can leave you in a pickle if you are trying to keep a trial offer merchant account.
Another issue comes with negative billing. Negative billing is like a post-dated check,
where the payment is given, but not processed until a later date. Many times, these payments are
not processed, due to the customer cancelling the trial offer. Many processors have issues with
this for many reasons. The storage of this information is also tricky, thanks to the recent rash of
hackings. Any stored data is at risk, and these risks plus the fact that trial offer merchants are in
the “high risk” processing category leads to problems finding a processor.
It is possible, though. You need to make sure that you ask questions before signing on
with any processor. Regardless of their years of operation, or how high they are on the Google
search page, you still need to ask questions. Not all processors are created equally, and not all are

as experienced in the trial offer processing field as they claim to be. All “high risk” companies
are different, so be sure that the processor understands the uniqueness of your industry before
you sign on the dotted line.

Let us help you get a high risk merchant account today!

Get Started

Award winning.

  • 2012
  • 2013
  • 2014
  • 2015
  • 2016

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.

Live Chat