Jan 29, 2023

Save your Business Money And Trouble By Using the Best Chargeback Protection Platform

Best Chargeback Protection Platform Chargebacks are created when customers file disputes with their financial entity concerning either a credit or debit card transaction. Merchants are routinely left out of disputes. Data even suggests that in 58% of cases, merchants are never notified about chargebacks. The Impact of Chargebacks Whenever a customer contacts a credit card company about charges, merchants are...

Jan 21, 2022

Merchants Must Be Wary of Friendly Fraud Too

Analysts are already predicting that early 2022 will be the season for chargebacks. Sift’s newest report, “Q4 2021 DIgital Trust & Safety Index: Navigating The New Normal Of Digital Fraud And Disputes”, found that the “average daily chargeback cases” (those actually filed), went up by 19% between Q1 2020 and Q1 2021.  Typically, where the consumers shop, fraudsters follow. Profits...

Jan 11, 2022

70% of Merchants Fell into Chargeback Monitoring

In a recent study, businesses across industries shared their thoughts on the spike in chargebacks since March 2020. Nearly 60% of respondents revealed that, since the onset of the COVID-19 pandemic, their chargeback rates have increased significantly. Another 45% believe that delivery delays are to blame. Since the start of the pandemic, consumers have been forced to stay in their...

Nov 24, 2021

BBB Alerts That Scammers Are On The Prowl This Holiday Season

While many are looking forward to the holidays, taking a much-needed respite from the woes of the world, scammers are gearing up for a new holiday season of swindling.  This year, the Better Business Bureau (BBB) has published what they call their “Naughty List” with the top scams that can catch shoppers off guard this holiday season.  Social media platforms...

Oct 27, 2021

Up to 13% of Global Online Transactions Could be Fraudulent

According to Digital Commerce 360, consumers spent $791.70 billion online with U.S. merchants back in 2020. This was a staggering increase of 32.4% based on the U.S. Department of Commerce numbers. This is the highest growth that U.S. e-Commerce has seen in the last twenty years. It was more than double the 15.1% hike in 2019. The COVID-19 related surge...

Oct 12, 2021

Fraudsters Are Using This Tactic To Attack Your Business

The Fraud Economy continues to experience growth as fraudsters did not slow operations during the pandemic. Always on the prowl, seeking vulnerability and weak links (like the pandemic), these opportunistic bad actors are ready to attack when the coast is clear.  In 2020, experts have reported that as much as 1 Trillion USD had been lost due to cybercrime worldwide.  ...

Jul 28, 2021

The Dismal Impact Of ID Theft

Although identity theft should be mitigated via prevention and protection strategies, there will be times where it cannot be avoided. Personal information can be easily snatched by accessing a computer illegally. Even if you are cautious and guard your information, it is critical that you keep a close eye on your business financial accounts.  How Identity Theft Impacts A Business...

Apr 12, 2021

U.K. Regulator Addresses Banks Not Reimbursing Fraud Victims

Authorised Push Payment (APP) Scams occur when an individual or a business is deceived into sending money directly to a fraudster impersonating a legitimate payee. The results are disastrous for those ingenious people who fall prey to them. Based on findings by UK Finance, it found a total of 66, 247 cases of APP fraud reported in the first part...

Apr 12, 2021

Europe Leads In The Most CNP Fraud Attacks in 2020

To say that the year 2020 was full of turmoil, both at a health and economic level is putting it mildly. With a surge of the world’s population confined to their homes for weeks and months on end, it is no wonder that digital traffic exploded at an unparalleled level.  Around the world, people were suddenly dependent on the internet...

Mar 26, 2021

As Merchant Transactions Go Online, Fraud Risk On The Rise

Since the emergence of e-Commerce back in the 1990s, digital fraud has been a formidable foe for businesses. Unfortunately, this trend has not shifted, but only grown from strength to strength with every passing year.  In a study conducted by Experian, it was found that the losses stemming from “fraudulent identities” grew from 51% in 2017 to 57% in 2019....

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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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