Sep 17, 2020

How Velocity Checks Help Prevent Chargeback Accumulation Due to Credit Card Fraud

It’s dangerous to pay a deaf ear to fraud and new safety techniques if you run a business prone to payment fraud. Merchants want as much protection as possible— and adding an extra layer of protection can further reinforce your multilayer strategy. Velocity checks, for instance, are an important way to deal with fraudulent purchase attempts in your eCommerce website....

Aug 27, 2020

Refund Rates Can Wreck Your Payment Processing

Payment Processing can become risky with an increase in refund rates. One of the many obstacles that high risk merchants have come to acknowledge is chargebacks. Chargebacks can lead to the termination of their merchant account. However, this is not the only menace that can threaten a high risk merchant’s position with acquirers. Another threat that can jeopardize their status...

Aug 06, 2020

Nearing The Dreaded 1% Mark On Your Chargebacks?

Chargebacks can be the proverbial thorn in the side of every business. Originally created in order to protect consumers, unfortunately, it has become an easy way for some to commit fraud. Inevitably, this has deeply hurt businesses as they spend an inordinate amount of time, money, and energy fighting this never-ending battle.  When merchants have many chargebacks (exceeding a rate...

Aug 06, 2020

Payment Providers Must Deter Transaction Laundering

Transaction laundering is increasingly becoming a threat within the payments industry. According to EverCompliant, a solutions provider, in 2016 $155 billion was created from  online sales through transaction laundering in the U.S. alone. It was also found that banks were processing close to six to ten percent of “unauthorized” e-commerce sites. Out of that, three percent were discovered to be...

Jul 21, 2020

Refunding Fraud: Friendly Fraud On The Rise

The ongoing fight against fraud seems to be intensifying. Specifically, Friendly Fraud is on the rise and becoming more widespread. The term “Friendly Fraud” is a misnomer as there is absolutely no “friendly” intent on the part of the cybercriminals who engage in this illegal act.  Friendly fraud, also known as chargeback fraud, happens when a customer purchases a product...

Apr 07, 2020

Everything You Need Know About Chargebacks, and How to Prevent Them

Chargebacks can quickly turn into a nightmare for business owners. A chargeback refers to the act of returning funds to a customer. The primary purpose of a chargeback is for consumer protection. However, this mechanism is often understood, misused and abused and can have a crippling effect on merchants. A chargeback occurs when a cardholder requests that their bank reverse...

Mar 13, 2020

What Payment Facilitators Can Do To Reduce Chargebacks

According to a report on Statista.com, retail e-commerce sales in 2019 reached a whopping 3.53 trillion US dollars. Online retail’s revenues are expected to reach 6.54 trillion US dollars by the year 2022. The soaring numbers indicate that online shopping is continuing to grow in popularity worldwide. With this much cash floating across the interwebs, there is no doubt that...

Nov 20, 2019

Protecting Your eCommerce High-risk from Reverse Charges

Taking credit card payments is the order of things when it comes to online customer-retailer relations. And to be able to accept cards, debit or credit, you must have access to a merchant account. Normal businesses will find many willing merchant account providers but those classified as high-risk for one reason or another must hassle hard or look in the...

Nov 19, 2019

Online Insurance Transactions, the New Target for Fraud

For business owners, shifting to online platforms often comes with a host of risks no matter the industry you serve. Anyone can be a target! And now, new data from recent research by Iovation reveal that insurance is the next favorite e-commerce fraud target. Cybercriminals are increasingly eyeing firms that offer insurance services as web-based payments for the sector surge...

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