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...

Apr 19, 2017

Directive On Payment Services (PSD2) and Customer Authentication

The revised Directive on Payment Services (PSD2) is to be implemented in January 2018. PSD2 is going to introduce new rules focused on opening access to payment account information to 3rd parties. The Payment Services Directive (PSD, 2007/64/EC) is an EU Directive, administered by the European Commission (Directorate General Internal Market) to regulate payment services and payment service providers throughout...

Feb 09, 2017

Walmart’s Efforts To Reduce Electronic-Payment Costs

Walmart Stores Inc. has recently partnered with J.P. Morgan Chase and Co., aiming to minimize costs associated with electronic payments. This year, Walmart Store Inc. is going to offer Chase Pay service, enabling shoppers make payments at Walmart.com and via Walmart app, as well as the Walmart Pay mobile service that consumers can enjoy in stores. Walmart Offers All this...

Jan 17, 2017

Global Card Fraud Grows 20%. CNP Fraud Is On The Rise Worldwide

In 2015, total card fraud taken globally reached $21.84, which is almost 21% higher than the numbers registered in 2014. This is according to The Nilson Report, the most respected newsletter covering the payment systems industry. The US losses associated with global card fraud made up 39% or $8.45 billion; spending volume accounted for only 23%. Global losses are expected...

Jan 11, 2017

Recent Cyber Monday Statistics | Biometric Authentication

According to a new report, online shoppers don’t make Cyber Monday deals the way they did it in the past. A 2016 holiday shopping study by one of the leading international payment service providers shows that of 76% of US and UK consumers planning to shop online during the 2016 holiday season only 38% were going to do so on...

Jan 10, 2017

Online Fraud During the Post-Holiday Season. 3 Things To Focus On

Each year, during the holidays, fraudsters plan how best to use the season for theft. There were three important things to take into account with regard to fraud during the holiday season in 2016. The fact is that fraud is rising, it’s going mobile, and may result in poor customer experience. First, online fraud has been on the rise in...

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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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