Dec 07, 2021

What Is an AVS Mismatch? (And How To Resolve It)

Vesta, an “end-to-end transaction guarantee platform” that is used for online purchases, has unveiled its first Global Card-Not-Present (CNP) Fraud Report. They analyzed millions of digital transactions between the first quarter of 2020 to the first quarter of 2021.  A CNP transaction takes place when a sale happens without the customer physically presenting their card to the merchant. If the...

Jul 22, 2021

Account Takeover Is Still A Serious Dilemma

Businesses are well aware of the devastation that account takeovers (ATO) can leave behind in their wake. But is awareness enough? Arkose Labs, an online fraud and abuse protection tech provider, revealed some telling findings in their study on how exactly businesses are handling this threat. This study included the participation of more than 100 IT executives of U.S. companies...

Jul 21, 2021

European Banking Authority (EBA) Slammed By Cyber-Attack

The European Banking Authority or (EBA) has had its email servers jeopardized in what is believed to be a “global Microsoft Exchange cyber-attack.” The EU organization revealed that personal information may have been retrieved from its servers. As a safety measure, it has since pulled its entire email system offline as it investigates the damage. Part of its investigation is...

Jun 19, 2020

Visa Postpones U.S. Interchange and Fee Changes Until 2021

Interchange and fee changes are placed on hold to help the digital payments industry. Due to the massive disruptions of businesses caused by the COVID-19 pandemic, Visa made the announcement that they will delay the increase in credit card “swipe fees” until the following year, in April 2021. However, it will continue to move forward with its efforts to lower...

Jun 19, 2020

ATOs Pose Significant Threat And Merchants Are Unprepared

Merchant accounts face great vulnerability as fraudsters engage in ATO.  A survey released by Riskified, a payments and fraud solutions provider, revealed an eye-opening revelation on the devastating effects of ATO’s or Account Takeover attacks on both customers and eCommerce business owners alike.  An ATO occurs when a fraudster successfully gains access to a customer’s stored account information within an...

Jun 18, 2020

A Comprehensive Solution: Fast Payments And Total Fraud Protection

If you are looking for a comprehensive fraud solution, look no further than EMB. Credit card fraud continues to plague merchants and customers alike. As criminals are becoming more sophisticated and innovative with their tactics of stealing financial information for unauthorized transactions, more has to be done to thwart their efforts.  With the introduction of EMV credit cards, brick and...

Dec 27, 2019

Avoid These Common Credit Card Processing Scams

If you are in business for yourself, it is imperative to have a way for your customers to pay you for your goods and services. Choosing a reputable credit card processor positions you to accept both credit and debit card payments either online or at point of purchase.  As more and more consumers opt for carrying more plastic than cash,...

Dec 13, 2019

Prevent Credit Card Fraud in 3 Steps

As a business, your ability to act in your customers’ interests is paramount for return business. Obviously, the first level of this is to provide honest, dependable and high-level services or products. But, in today’s world of growing fraud, that isn’t enough. It seems almost like every other day there is a data breach attached to a big name business....

Sep 18, 2019

At Least $575 Million Settlement for 2017 Equifax Breach

Equifax Inc. must pay victims of its breach in 2017 at least $575. Mostly, this must be done in the form of free credit monitoring. This was the very breach, because of which the sensitive data of about 150 million people was hacked. To know the latest developments concerning the Equifax breach and discover the right processor to accept payments...

Aug 26, 2019

Venezuelan Laundering Scheme: Bank Handled $20 Million

You might have heard about the New Jersey bank that handled $20 million for a firm connected with a Venezuelan laundering scheme, mightn’t you? If you’re interested in more details concerning the case and are looking for a reliable payment processing company, you’re at the right place: just keep on reading this article. Venezuelan Laundering Scheme First of all, let’s...

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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.