Oct 22, 2018

What’s The Prevalence of Friendly Fraud Across Different Industries?

Friendly fraud is when a cardholder claims a refund for a purchase they or their relatives actually made. The scam has become popular and a burden to merchants, even pushing market experts like Ethoca, a commerce firm to investigate its prevalence across different industries. And the result; while friendly fraud occurs across all industries, the frequency is higher in specific...

Oct 12, 2018

Digital Commerce Increases Risk of Phone Fraud

Technology has opened up endless doors of opportunity. As it evolves, technology continues to support new ways of doing business and expands card not present transactions. Businesses have more solutions than ever, and customers have a wider array of payment options than ever before. However, advances in technology have also created new opportunities for fraud. Botnet attack and static biometric...

Oct 12, 2018

How to Avoid Common Chargeback Mistakes

Chargebacks are a merchant’s worse nightmare. They not only eat away at your time and energy, but they seriously chip away at your business’ bottom line. Chargebacks are one of those things to try to avoid at all costs. If chargebacks are a big concern and issue for your business, consider the following ways you can handle customer disputes and...

Oct 12, 2018

How to Use a High-Risk Merchant Account to Manage Chargebacks

In an increasingly digital world, chargebacks are a huge problem for merchants. They chip away at your time and energy. They add stress to your day and affect your bottom line. They can even cause your merchant account to be closed or prevent you from securing one in the first place. This is just one of the many reasons why...

Oct 11, 2018

Chargeback Insurance and Other Tools Help Curb Fraud

How to Prevent Online Fraud from Hitting Your Business In 2017, the number of consumer complaints about fraud, identity theft, and other concerns dropped to 2.68 million, according to the Federal Trade Commission’s 2017 Sentinel Network Data Book. There were 2.98 million in 2016. Despite the decrease in overall complaints, consumers still reported a total loss of $905 million to...

Sep 19, 2018

Equifax’ Agreement with 8 States: How to Prevent Chargebacks?

Equifax (EFX) Inc. has recently reached a deal with 8 states aiming to avoid future breaches. What about you? How are you going to better protect your business? Do you have a reliable system to prevent chargebacks? Just read the article to know more about all this. Equifax Data Breach: Prevent Chargebacks Equifax, the credit reporting giant, is for increasing...

Sep 19, 2018

The Keys to Stopping BOPIS Fraud

It’s pretty clear. Many shoppers opt to “Click and Collect” or “Buy Online, Pick Up in Store” (BOPIS) to avoid shipping costs, ensure their purchases were correct, and to get items sooner. The increased interest is why mega retailers, Target and WalMart plan to expand their BOPIS services. By the end of 2018, both retailers plan to expand their click...

Sep 17, 2018

How Online Fraud is stunting the Health and Beauty Sectors

Previous online fraud trends have misled industries to believe that high-ticket sectors like electronics are the most vulnerable to scam. Believe it or not, scammers have spotted another lucrative spot in the beauty, and online health market which studies revealed had experienced double-digit growth last year. Fueling this growth, according to the Natural Products Insider, is the surfacing of natural...

Aug 30, 2018

Amex Chargeback: Is There a Difference?

Chargebacks can create huge problems for merchants of any type. So, taking all the necessary measures to fight chargebacks is crucial. Are you interested in an AmEx chargeback? Do you want to know how you can fight chargebacks? This article will help you with all this. Get Reliable Chargeback Protection Let’s first start with chargebacks. A chargeback is a transaction...

Jul 25, 2018

eCommerce Fraud Losses Across Major Industries

Online payment fraud doesn’t stop to be a threat. Merchants in the US are overwhelmingly attacked by fraudsters. The eCommerce industry’s loss accounts for billions of dollars due to chargebacks. Is chargeback insurance something you’re interested in? Just go on reading this article and you’ll learn what you need. Fraud Losses: Need Chargeback Insurance? eCommerce companies are applying more advanced...

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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 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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