Jan 11, 2023

How To Choose The Best Chargeback Protection For Merchants

Any company that accepts credit or debit card payments is at considerable risk from chargebacks, which can reduce profitability through lost sales, income, and chargeback fees. They result from fraudulent charges, merchant error, customer forgetfulness, and misplaced packages, among other things. Fortunately, merchants can protect themselves against chargebacks and chargeback fraud by using chargeback protection  services. Chargeback Protection Chargeback protection is...

Sep 28, 2022

Businesses Can Create a Chargeback Prevention Plan With These Helpful Tips

Create a Chargeback Prevention Plan With These Essentials Within the payments industry, chargebacks are a common occurrence. In fact, even if you’re not in the payments industry, you’ve probably come across them at least once. A chargeback is when a customer disputes a purchase with their bank or credit card company. This dispute causes the money they paid to be...

Jul 29, 2022

Fraudsters Raking It In, Earning Far More Than CEOs

Fraudsters are really cashing in on their illegal exploits. So much that Arkose Labs, a global leader in fraud deterrence and fraud security, has revealed new discoveries into the “global fraud economy.” According to the data featured in the State of Fraud and Security report, the number of “attack attempts” has escalated. Fraud “employment” has also seen a growth of...

Jul 25, 2022

Is Chargeback Prevention in Real-Time Possible?

Chargebacks were originally instituted so that consumers can confidently enter their credit card information to make their purchases online, risk-free. They have the option of getting their money back if anything was off or if they were unsatisfied with their purchase.  However, in the last few years, consumers have been taking advantage of chargebacks, initiating them for reasons outside the...

Jun 29, 2022

Chargebacks As Insurance For Online Shopping

Customers are shopping online more than ever. According to Cloudwards.net, e-Commerce sales are predicted to hit $5.5 trillion worldwide in 2022. Close to 76% of adults in the U.S. currently shop online. The pandemic certainly drove more consumers to shop online for the first time ever, contributing to the growth of online shopping worldwide. With more shoppers online, more fraudsters...

Jun 29, 2022

When Chargeback Insurance Helps And When it Doesn’t

Merchants have always dealt with chargebacks as part of their everyday business operations. However, the frequency of chargebacks has skyrocketed in the last few years, leaving merchants scrambling for solutions. Chargebacks can happen for a number of reasons:  A purchase was made with a stolen credit card A purchase was made with a fake credit card The fraudster changed the...

Jun 21, 2022

Why Credit Repair Companies Receive Excessive Chargebacks

Every aspect of our lives is affected by how great or poor our personal credit score is. Having good credit opens many doors of opportunities such as access to loans at an incredibly low rate. Insurance premiums can also be dramatically lower. Nowadays, getting well-paying job hinges heavily on your personal credit score.  When an individual has poor credit, their...

Apr 29, 2022

The Pros and Cons Of Chargeback Insurance

Although many merchants today will argue that chargebacks are part and parcel of running an online business, it is not something to tackle without some serious reinforcements. The negative repercussions are too great to not have a solid, strategic plan to mitigate them. Chargebacks are a substantial drain on a merchant’s finances.  It is more effective to take a proactive...

Apr 25, 2022

Protect Your Business From The Uncertainties Of Disputes

If the devastating effects of the COVID-19 pandemic were not enough, businesses must also contend with the steady rise of “friendly fraud”. This is when a customer makes a purchase, receives the product, then requests a refund from their credit issuer. This refund is also known as a chargeback. Chargebacks can be deadly for the business bottom line, and eventually...

Apr 05, 2022

Chargeback Ratio: What It Is And How You Calculate It

One of the many challenges that merchants must face when they first open up their business is chargebacks. Given the nature of the online business structure, the higher propensity for fraud due to card-not-present transactions, and simply not having adequate systems in place to address them, chargebacks are going to be a repeat occurrence.  The key to keeping your business...

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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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