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....

Mar 26, 2021

Flaws With Fraud “Proof of Concept” And A Likely Remedy

When it comes to choosing the best and most effective fraud solution for your business,  you must determine your unique business needs first before you seek out a solution. Once you have done that, a trial needs to be performed in order to see how it interacts with your data. The only way to judge how that solution “performs” is...

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...

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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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