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...

Jul 11, 2014

How to Eliminate Chargebacks Before They Even Happen

Chargebacks can ruin even a successful business. They are annoying to merchants, and most of the time their fees come without warning. While it may seem like chargebacks are inevitable, there are ways that can help you stop them before they affect your business. Chargebacks occur when a customer calls their bank or credit card provider and reports a faulty...

Jun 10, 2014

How to Keep Chargebacks Away with Chargeback Insurance

Chargebacks are an often occurrence in any type of online business; however they do affect high risk businesses more frequently. Chargebacks can cause havoc for any business, as the majority of the time chargebacks are not reported to the business until funds are taken from the business. Chargebacks can create up to 270% of lost money on a chargeback. This...

Jun 09, 2014

Top 5 Ways to Combat Chargebacks

From Calling to Chargeback Insurance: How to Keep Chargebacks Away Chargebacks from fraudulent transactions can hinder your business. These often come as surprises to merchants, as many times the customer’s bank does not alert the merchant to the problem. However, there ways to help protect your business from chargebacks, from questioning odd transactions to investing in chargeback insurance, and they...

Apr 04, 2014

Is there such a thing as Chargeback Insurance?

Even though merchant account services provide good security, occasionally a fraudulent transaction can occur. When this happens, it can unnerve a vendor. However, many companies offer chargeback insurance, to ensure that your company is not hit too hard. Chargeback insurance is just like any other insurance policy. It helps protect the policyholder’s financial interests when unforeseen events pop up.  Chargeback...

Apr 02, 2014

The Inside Scoop on Chargeback Insurance

The bane of small businesses, particularly those in high risk sectors, are excessive to chargebacks. Chargebacks are like termites for merchants. They’re small, ever-present annoyances that can undermine the walls and floors of your business. Merchants may be familiar with chargeback insurance as a mechanism to cope with chargebacks. Yet, there are limits on the amount of damage insurance can...

Jul 01, 2013

Citing Fraud Risk: The FTC Seeks to Bar Telemarketers from Using Four Payment Methods

Telemarketers face the possibility of being banned by the Federal Trade Commission (FTC) from making use of remotely created checks as well as three other payment transactions. The proposed rule making posted this week by the Federal Trade Commission (FTC), aims at bringing a sweeping ban by stopping the collection of payments through prepaid cards authorization codes, remittances and payment...

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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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