Nov 18, 2014

What Recourse Does a Merchant Have for Chargebacks?

This is a question that has been asked by just about every merchant who processes credit and debit sales. There are several avenues to explore depending on the amount of your average sale. For a merchant whose average ticket is under $100, the best option is a processor who offers a chargeback insurance suite. Those whose average tickets are over...

Nov 12, 2014

You Can Be in Control of Your Financial Destiny with Chargeback Insurance

You are well aware that you are a high risk merchant. And more than likely you are also aware that you chose an industry that sees more than its share of chargebacks. This is what has earned you a high risk rating. How the card associations rank certain industries is out of your control, but you can control your high...

Oct 10, 2014

Increased Security Can Help with Chargebacks on High Risk Merchant Accounts

It appears that we cannot go a full week without hearing about hackers stealing credit card numbers, pin numbers and personal data of those who have used their credit and debit cards at large retailers. Now it seems that the fraudsters have hit a huge fast food chain, Dairy Queen, which has 395 stores in the U.S. This can be...

Sep 10, 2014

Chargebacks Can Mean The Difference Between Remaining in Business or Going Under

This seems likes a very broad statement. However, the core is totally true. Any company that runs an e-Commerce business knows that money that chargebacks can cost. Not only is the service or product lost for good, the company has spent time and resources trying to defend the reversed charge. They have been assessed a chargeback fee of up to...

Sep 09, 2014

Save Your Merchant Account from Destructive Chargebacks

Do you know how much profit your business is losing because of chargebacks? Most companies are unaware of the great threat that chargebacks pose to the bottom line. Your merchant account deserves protection against illegitimate chargebacks. That’s why eMerchantbroker has provided another service, the Chargeback Suite, to protect your assets as a chargeback insurance provider. What is a Chargeback? Chargebacks...

Aug 12, 2014

Chargebacks – Who Has Your Back?

A Good Intention The term chargeback refers to the return of funds to a consumer when that customer reverses an order made for goods and services from a merchant. The original intent of chargebacks was to shield consumers from dishonest merchants, who might be offering non-existent or shoddy goods and services. It also benefits the customer in instances of identity...

Jul 18, 2014

Merchants, You Need Credit Card Chargeback Insurance

Credit card chargebacks are horrendous for any business; however, they have extra impact for high risk businesses. Many merchant account providers will nix a high risk business that entails too many chargebacks, due to their overwhelming cost. All merchants, especially high risk merchants, need to invest in chargeback insurance. A chargeback insurance provider can be hard to find, however we...

Jul 16, 2014

Understanding Chargebacks and How They Affect Your Credit Repair Business

Whilst many companies have to deal with chargebacks, these are when a merchant, whose customers have queried a charge on their credit or debit card account. If you are a credit repair merchant account user, this can have problems in the long-term with trying to repair a person’s credit rating if they are experiencing problems or disputing the costs of...

Jul 15, 2014

What is Chargeback Insurance, and Why Do I Need It?

Chargebacks are dreaded occurrences in every business, especially high risk businesses. Too many chargebacks can leave you without a merchant account provider, and unable to accept plastic card payments. Chargebacks are often discussed, but many may wonder what a chargeback is, and why they are so damaging to a company. Chargebacks occur when a charge is disputed. The customer will...

Jul 14, 2014

The Ins and Outs of Chargebacks

Chargebacks can hinder even the most profitable business, due to their unexpected occurrence. While high risk companies are presumed to be at a higher risk of chargebacks, they are usually charged to the merchant unannounced. The chargeback fee can also be outrageously more than the price of the actual fraudulent charge, sometimes up to 270%! While chargebacks can damage a...

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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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