Oct 23, 2018

Fraud Victims Rise, Encryption Schemes Leaving Security Gaps

In today’s digital world, encryption schemes are everything. Are you absolutely sure your business is protected? Recent reports might cause you to take a closer look at how you’re protecting your customers’ sensitive information. At the point of sale, there are two encryption options: PCI-validated point-to-point encryption (P2PE) solutions and nonlisted encryption solutions, which lack several key requirements. The PCI...

Apr 17, 2018

3 Tips to Keep Your Company Data Safe

Keeping yourself protected from increasingly common cyber-attacks is now one of the most important areas of business management. It’s a fact that with cybercrime consistently on the rise, the potential damage that can occur due to a data breach can end up damaging your company beyond repair. Luckily, this needn’t be the case, and with a few simple and cost-effective...

Feb 28, 2018

Cybersecurity Specialist: A Career Guide

Cybersecurity is a booming field that many people are going into because of the many benefits it has to offer. If you want a career change to something exciting and rewarding, this is certainly one option that you will want to take a closer look at. There are many benefits to becoming a cyber security specialist, and the more you...

Dec 21, 2017

AI Fighting Fraud and Winning

It’s estimated that Americans lose approximately $50 billion a year to financial scams, and there are indirect costs like bounced checks, late fees, trouble meeting monthly expenses and even bankruptcy. So, it’s no stretch to say that fraud also results in emotional costs, which are, in fact high. 50% of victims report having felt severe stress, and over 1/3 report...

Oct 16, 2017

Merchants and Consumers on EMV Credit Card Processing

EMV (Europay, MasterCard, and Visa) chip card payments at the US point of sale (POS) are now 2 years’ old (October 2015) at least officially. However, according to a poll of consumers and retailers by a Boston-based merchant processor, consumers think purchases are still being processed slowly; many merchants still don’t accept chip cards. Merchants’ and Consumers’ Views on EMV...

Sep 26, 2017

Fraudsters Adopt New Tricks, ID Fraud Soars to All Time High

As fraudsters find new ways to imitate their victims, ID fraud soars to record levels. It would seem these criminals are applying for fake policies to build on the profiles of their victims. Fraud prevention service, Cifas, revealed that identity theft reached an all-time high during the first six months of 2017. According to their data, 89,000 identity frauds were...

Sep 14, 2017

Affected By The Equifax Hack? How to Find Out

The Equifax breach occurred between mid-May and July, according to Equifax. The company discovered the hack on July 29. This is one of the worst data breaches ever, by its reach and by the kind of information exposed to the public. Equifax Data Breach Equifax reported that 143 million people could be victimized by a recent data breach. Cyber criminals...

Aug 30, 2017

Millions Of Merchants May Fail To Meet The Security Deadline

While an overwhelming number of retailers in the United States are still pacing the shift to the use of EMVs, another persuasive tech has hit the market. Most retailers are still lagging behind as they should have ditched the use of TLS 1.0 as their primary transaction security protocol which is set to expire in around ten months. Failure to...

Aug 22, 2017

Card-Not-Present (CNP) Fraud Is on the Rise

Card-not-present (CNP) fraud is growing as cyber thieves are becoming more skillful at using both technology and stolen payment card data to defraud retailers all over the world. Card-Not-Present (CNP) Fraud According to Research and Markets, the world’s leading market research store, e-commerce merchants, particularly in the US, are dealing with rapid online sales growth. At the same time, the...

Jul 17, 2017

Recent Mobile-Accepting Merchants Risk Detection

Merchants successfully deal with payment methods but have some problems in some key areas. Particularly, they have difficulty identifying overseas transactions, according to recent survey results by a risk management firm. The survey was conducted online between April and June. More than 800 merchants in some 29 industries participated in the survey. The revenue generated by these merchants ranged from...

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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 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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