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Premier payment solutions for furniture merchants
Online furniture merchant accounts
Your customers will feel right at home purchasing from your website when it’s backed with EMB’s all-in-one payment solutions.
Expand your business with flexible merchant account services
Your customers come to you ready to make an investment in their homes. Our merchant account experts are willing to raise your credit processing limits to accommodate high volume, large-ticket purchases!Apply for a merchant account
The easiest way to start selling furniture online
No application fees
Eliminate surprise charges with our no-cost, transparent and easy-to-use application.
Achieve your business goals with our unbeatable rates and exceptional customer support team.
No credit card required
No credit card? No worries! Apply now and begin accepting payments immediately.
Secure gateway options
We protect you and your customers by securely processing and transmitting sensitive financial information.
EMB is more than a merchant account
When you apply to partner with us as your merchant account provider, you’ll have access to all of these other benefits in 48 hours or less:
- Business funding options
- Chargeback protection
- Dispute resolution
- Check processing
- Payment gateways
- 3rd party integrations
- International accessibility
- Point-of-sale (POS) solutions
What documents are required to apply?
- A valid, government-issued ID, such as a state-issued driver’s license
- A bank letter or a pre-printed voided check
- Three months of the most recent bank statements
- Three months of the most recent processing statements, if applicable
- A SSN (Social Security Number) or EIN (Employer Identification Number)
- A secure, fully-operational website with clear privacy and refund policies
- Chargeback ratios must be under 2%
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We also specialize in the following industries.All Industries
Easy apply to take your furniture business to the next level!
- No hidden fees
- 99% approval rating
- No credit card required
If you’re new to the industry, it might come as a surprise that selling furniture online is considered high-risk. Most times, the reason why online furniture businesses are viewed this way is simple, chargebacks. The furniture industry features a large number of chargebacks. One reason for this is the time between when the customer orders the product and when the product is delivered. Changes of heart (among other changes) often occur during this wait. This is a common occurrence. Given that processors view a high chargeback ratio as a red flag, they commonly label furniture businesses as high-risk. If you’re an online furniture merchant that’s been labeled high-risk, you need a company like EMB.
If you’re an online furniture seller approved for a merchant account, you can anticipate credit card processors to place certain terms within their own agreements as a form of defense. This will often include a rolling reserve. A credit card processor withholds a proportion of your sales for an established period, this money is then withheld to cover any potential losses that your business might face due to chargebacks. Rolling reserves protect the processor and merchant.
Merchant accounts can accept all major credit cards. This means with a merchant account, you will be able to accept ATM debit cards, Mastercard, and Visa among others.
Yes, at EMB, we can establish a payment gateway provided you have received approval for processing.
The four-digit Standard Industrial Classification (SIC) codes can be found throughout the U.S. as well as many other countries. These codes help to identify the primary purpose of businesses. If you’re a merchant in the e-commerce furniture industry, you’ll represent one of the following SIC Categories: Home Furnishing (5023), Durable Goods, not elsewhere classified (5099), and Furniture Stories (5712). A complete SIC list can be found on the Department of Labor’s website.
Similar to SIC, the NAICS (Northern American Classification System) is a six-digit code used to classify businesses in North America. Online furniture sellers fall into one of these few categories: Furniture Stories (4442110), Home Furnishings (423220), and All Other Home Furnishings (442299). The NAICS list can be found on the U.S. Census Bureau’s website.
Load balancing is a payment gateway feature that automatically divides your transactions into multiple merchant accounts. This lets credit card processing to occur over multiple merchant accounts without required manual changes. This might be a good idea if you are a high-risk or high-volume furniture seller to process total credit card processing volumes.
For merchants with previous credit card processing history, banks almost always require a chargeback ratio below 2%. Certain extenuating circumstances can lead to some merchants having higher chargeback ratios.
Still have questions?
If you can’t find the answer you’re looking for, please reach out and chat with our team.Get in touch