Jan 06, 2017

Visa Checkout Opening Its Platform To Integrate With Digital Wallets

Visa Checkout is opening its platform to integrate with digital wallets. Google’s Android Pay will use this new platform to offer Visa Checkout to its consumers for making online purchases. This new platform will enable issuers, digital wallets and payment app providers to access a streamlined set of APIs. They will be able to integrate with the Visa Checkout open...

Dec 27, 2016

Visa Gives Merchants EMV Debit Routing Options

Visa has recently provided clarification and modification regarding debit routing rules. Merchants can route US EMV debit transactions not just through Visa’s network, but through over 12 available ones. 2 payment application identifiers (AIDs) on the chip enable debit routing and processing. These are the US Common Debit Aid and the Visa Debit Aid. Visa says the Common Debit AID...

Dec 23, 2016

Smart Cards And Chips. How Do They Protect You?

In 2016, new chip debit and credit cards were issued to consumers by major financial institutions. According to the US Payments Forum, 600 million cards have been issued. How do these chip cards protect consumers? EMV (Europay/MasterCard/Visa) chip cards are designed to protect you from data breaches. The system has been used in European countries and Canada for decades. 90%...

Dec 22, 2016

Though Chip Cards Are Still Slow, They Protect You From Fraud

One year has passed since EMV technology arrived in the US credit card market. Chip cards are designed to make transactions safer and they really do this. According to a NerdWallet survey, the majority of consumers approve the EMV liability shift in the US. Happy Birthday EMV MasterCard reports 88% of its credit cards are chip-ready, but 67% of all...

Dec 21, 2016

Stolen Cards, Gift Card Exchanges, And Credit Cards

Hackers selling a batch of 50-100 credit card numbers can get $250.000 – $1 million. A buyer can make $2 million – $8 million using these stolen card numbers. As for the risks, the deal is riskier for the buyer than the seller. The data was provided by a research team led by Thomas Holt, a criminologist at Michigan State...

Nov 23, 2015

CNP Fraud is Our Newest Threat

Maybe thought that the implementation of EMV cards was the end of our fraudulent charge fears. Not so. While EMV cards are safer with in-person usage, they have opened up a few can of worms when it comes to CNP fraud. CNP, or card not present, fraud is still possible with EMV cards, and it is quickly becoming a hacker’s...

Oct 30, 2015

Merchants and Banks Scramble to Secure Consumer Information

The ability to browse endless items and purchase them instantly from anywhere in the world has changed the face of commerce forever. However, this process is flawed as instances of identity theft have skyrocketed in the last few years. This unpleasant reality has sparked a series of conversations and innovations to keep consumer identities safe, while keeping fraud management low...

Oct 20, 2015

Can Banks Protect Consumer Identity?

Identity theft protection services have taken a big hit this month as two major companies have been exposed for misconduct and dishonesty. The Federal Trade Commission accused LifeLock of failing to secure sensitive customer information as it pledged to do in 2010. Then the credit bureau Experian, which also provides identity protection services, was sued for allegedly selling consumer records...

Dec 29, 2014

Target & Home Depot Are Still Suffering From 2013’s Data Breaches

The holiday season brought a reminder of last year’s issues with data breaches. While it was thought that the big-box retailers were always safe, 2013 showed us that they were just as vulnerable as everyone else. These breaches affected Target, Neiman Marcus, Panda Express, and later, Home Depot, among others. While consumers tend to trust the big-box retailers more than...

Oct 13, 2014

JP Morgan cyberattack | How to Protect Your Business with Chargeback Insurance

At the beginning of October in response to the latest cyber attack on JPMorgan, Attorney General Eric T. Schneiderman issued a statement explaining that the company was targeted in a massive cyberattack that affected millions of account holders and small businesses, therefore causing trouble for New Yorkers in general. He stated that all JPMorgan account holders are able to take...

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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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