Jul 22, 2014

Exposing Security Problems

With the ever-increasing threat to personal details, which companies hold about their customers, it is important you can feel secure with your merchant account supplier knowing they are keeping safe your customer’s details. This doesn’t matter if they are the best merchants that provide services to the top paying businesses or the high-risk merchant account that is helping those businesses...

Apr 14, 2014

The Heartbleed Bug: Why IT Security Needs an Upgrade

Security experts and vendors are in high demand after the discovery of the Heartbleed bug, which exploits a vulnerability in the cryptographic tool, OpenSSL. This popular tool provides internet communication privacy and security for applications like the web, instant messaging, email, and some private networks. Codenomicon, a Finland-based security vendor and a Google researcher discovered the bug on April 4...

Apr 04, 2014

Merchants fight to Take Hold of Card Security Measures

As the federal government considers new laws and regulations following the recent Target data breach, it’s important to consider who will unintentionally suffer. With any new laws or regulations, at times the good will have to suffer with the bad. This could be substantial, as nearly 70% of payments and purchases made in the United States are done with credit...

Apr 04, 2014

Lawsuits Pile on for Target and their PCI after Data Breach

Trustwave Holdings Inc., the leading provider of Payment Card Industry data-security standard (PCI) services to merchants, has become the target of a lawsuit arising from the massive data breach at Target. The suit, filed in U.S. District Court in Chicago by two banks, claims negligence on the part of Target and Trustwave for their alleged failure to prevent customer data...

Jan 27, 2014

Credit Cards Cease Processing of Controversial Sites

The major processors of credit cards such as American Express, Visa, and MasterCard announced that they will stop processing all of the payments that are made via mug shot sites. People are now currently being charged a fee in order to remove photos from the Internet. Many critics of the strategy pinpoint that the model is considered a form of...

Nov 26, 2013

Mobile Biometrics | Security of the Future?

Mobile Security Problems Mobility is synonymous with convenience. In a contemporary mobile world, individuals and consumers are fast-tracking everything using smart technology, including finances. Mobile devices offer apps for easy payment, bank transfers, and quick transactions making the process of purchasing something nearly effortless. A mobile world creates a multitude of mobile problems and fraud has exploded recently as the...

Nov 26, 2013

Don’t Succumb to Gift Card Scams This Holiday Season

According to the latest Gift Card Spending Survey by National Retail Federation, conducted by Prosper Insights & Analytics, holiday shoppers will spend an average of $163 on gift cards and certificates this year, 4% more than last year and the highest amount in the survey’s 10+ year history. The total spending on gift cards will reach approximately $29.8 billion, quite...

Jul 16, 2013

What is “3d Secure” and “Verified by Visa” and do you need it?

“Verified by Visa” “Verified by Visa” is an online security application developed by Visa for purposes preventing fraudulent transactions. The application requires a card holder to protect their card with a PIN number, which would ordinarily be asked during the checkout process for authentication purposes. “Verified by Visa” is also commonly referred to as “3d Secure” simply involves the card...

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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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