Jul 13, 2018

Account Takeover: Protect Your Online Business and Your Customers

There is one thing you can expect from online fraudsters, and that is to expect the unexpected. Fraudsters waste no time in changing their approach and appearance in hopes of attacking businesses and their customers. This season, the threat to worry about is account takeover. Account Takeover Fraud What is account takeover fraud? Far from a new technique, this form...

Jul 10, 2018

Chargeback Insurance Providers Protect Merchant Accounts

To keep a healthy, open merchant account, merchants must prevent and fight chargebacks. Merchants that don’t take chargebacks, which are when credit card providers force merchants to repay the loss of fraudulent or disputed charges, seriously can lose their merchant accounts. If merchants don’t keep chargeback ratios below 2%, providers can terminate merchant accounts. Without a merchant account, a business...

Jun 20, 2018

Chargeback Insurance Providers | About Visa Claims Resolution

The changes are here. With a deadline of April 2018, Visa’s dispute platform Visa Claims Resolution (VCR) is now in effect. What is VCR? If you haven’t heard of it yet, the aim of VCR is to simplify the dispute resolution process and improve the efficiency of the chargeback process. According to Visa, the new program was created in response...

Jun 19, 2018

How to Avoid Becoming a Transaction Laundering Victim

Transaction laundering is one of the recent and highly dangerous scams in the payments industry. Are you a merchant trying to protect yourself from transaction laundering? Are you interested in chargeback protection? This article will help you get answers to your questions. What Is Transaction Laundering? Transaction laundering is also called credit card laundering or factoring. Besides, it’s also known...

May 15, 2018

Protect Your Business with Chargeback Insurance

Though 82% of the 1,000 online, multi-channel and mobile commerce merchant surveyed dispute chargebacks, many indicated that they lack the necessary expertise to get them reversed, according to Kount’s State of Chargebacks 2018. The long, tedious process surrounding the dispute process, as well as merchants’ lack of skills  and knowledge to get chargebacks reversed, are why one-fifth of merchants win...

Apr 24, 2018

Why Your Business Has So Many Chargebacks

Chargebacks will not only cause you huge losses but also ruin your firm’s reputation among credit card processors. So when trading goods or service through the internet, always make sure you watch out for chargebacks. Because operating a business profitably also means taking measures to ensure you have the fewest chargebacks, here’s a guide through what chargebacks are and tips...

Apr 20, 2018

How To Fight a Huge Chargeback

Online chargeback is a thing that business owners should be wary of when selling services or products online. Are you dealing with chargebacks? What are the reasons? How can you prevent chargebacks? This article will give answers to your questions. What Is a Chargeback? The groundwork for credit card chargebacks is associated with The Truth in Lending Act of 1968....

Mar 30, 2018

Ways to Use eContracts to Dramatically Lower Chargebacks

An electronic contract, or as a millennial would call it, eContract is a contract a merchant sends to a buyer electronically, more like AdobeSign. You don’t want to miss out on the many benefits of this service. Having a shopper sign an eContract before releasing a product or offering a service can help explain the product or service, increase merchant...

Mar 16, 2018

Fraud Management Techniques Every Business Owner Should Know

Identity theft and fraud cost consumers more than $16 billion per year. A large chunk of this is due to credit card fraud and right in the middle is the business owner. Angry customers tend to vent their frustrations at the merchant, and high-risk merchants experience this more often than others. In order to prevent cases such as these, merchants...

Mar 12, 2018

Bail Agents Can Prevent Credit Card Chargebacks

Are you bail bonds merchant? Do you deal with higher rates of chargebacks? Are you looking for ways to prevent credit card chargebacks? Just read this article and you’ll learn about several important steps that can help you fight chargebacks. Also, you’ll get to know how to open a bail bonds merchant account fast and easily. What’s a Chargeback? Chargebacks...

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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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