Jan 12, 2021

Integrated Payables Boosts Fraud Prevention And Efficiency

Integrated payables is a system that simplifies the payment process that enables businesses to send all of their vendor payments as a single, “online payment file” to their bank. The bank then processes and allocates the payment as per the instructions given by the business. Integrated Payables Have Benefits So what are the benefits of adopting integrated payments? Having integrated...

Dec 16, 2020

Online Payment Fraud Detection Market Thrives During COVID-19

Due to the COVID-19 outbreak, the global fraud detection and prevention market is projected to generate about $145.7 billion in revenue by the year 2026. This is at a  Compound Annual Growth Rate (CAGR) of 28.4%, according to Business Wire. With the uncertain times, we currently live in, millions of people are currently working online from home. Due to lockdowns...

Dec 04, 2020

Mitigating Fraud, Safeguarding Merchants Amidst Digital Shift

The year 2020 will forever be remembered as a year of considerable change, one that has pushed people and commerce into extremes never before seen in the history of the world.  Interestingly enough, at the advent of this year, our unemployment rate was enjoying a notably low rate. It was only at 3.6 percent. The GDP was increasing at a...

Dec 03, 2020

Striking Back Against The Fraud Afflicting P2P Payment Apps

The current pandemic has brought forth more sophisticated scammers like never before. Fraudsters, taking advantage of the pervasive fear and uncertainty among the population have devised many fraudulent schemes, including: masquerading as people in need, businesses peddling personal protection devices, and government leaders pledging to provide stimulus funds.  According to an AARP report, people in the U.S. have lost an...

Oct 20, 2020

Avoid Chargebacks and Protect Your Small Business

In 1974, the Fair Credit Billing Act (FCBA) was passed as an amendment to the Truth In Lending Act. It’s objective was to protect consumers from billing practices that were unfair and to provide a means to address billing errors in credit card accounts. Although this act awarded millions of consumers a way to protect themselves from unauthorized, fraudulent, and...

Oct 12, 2020

How to Resolve a Chargeback Dispute in The Merchants Favor

Originally, disputes were built to protect the buyer. These days, however, the idea of accumulating reverse charges poses a significant danger to businesses. Chargebacks are inevitable and often exceed the merchant’s expectations. Excessive rates can take a toll on your credibility, credit background, and customer loyalty. Add that to the increasing favoritism for buyers, and the situation is bottom-line threatening...

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...

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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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