What Ingenico’s Mobile Commerce App Means to You

Nov 22, 2016

New to the mobile payment world is the Ingenico ROAM suite of mobile applications. These include ROAMpay and ROAMbuy, which help sales agents, mobile workforce professionals, and merchants reach and service consumers on their own mobile phones. This is great, right? Of course! What better way to get new customers but through a mobile app.

Mobile Commerce represents the ultimate convenience for mobile users to conduct business anytime anywhere – and who doesn’t want that? Ingenico’s products and others provide a robust and agile mix of mobile Commerce services including credit and debit payment acceptance, mobile storefront, and customized enterprise business applications to end users. Recently Ingenico made a global strategic investment to work with ROAM Data Inc., a Boston-based mobile application service provider and their technology to deliver a breakthrough mobile commerce solution. ROAM’s patented technology enables it to be the only provider to dynamically deliver business and payment applications to nearly 200 million US customers, regardless of carrier on hundreds of different devices from smartphones to feature phones running J2ME and Brew.

But, there is a catch. You knew it, right? And, this catch concerns not the mobile commerce per se, but rather the lack of merchant account providers who want to accept these as legitimate payment methods and acceptance hubs. But, in our mobile world, this is the best thing for many businesses. From small stores to online merchants, and even food trucks, this is a great option. The only thing that you need to do is to make sure that your merchant account provider accepts these payments methods. And if not, perhaps you should look for another merchant account provider.

Merchant account providers such as EMB, who specialize in high risk businesses, often accept mobile commerce payment systems. These merchant account providers understand that all customers are worth the chase. Customers young and old use apps to purchase items and services, and the last thing you need holding your business back is an uncooperative merchant account provider. If yours is unwilling to accept mobile payments, check out your options and consider changing to a more cooperative provider.

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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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