May 19, 2020

Account Takeovers and More P2P Payment Fraud On The Rise

Chargeback insurance and other fraud prevention strategies will be needed both now and the future. The launch of the online marketplace has opened up a new realm of possibilities for both companies and customers.  According to Statista, the “transaction value” of digital payments is expected to top $4.8 billion in 2020. E-Commerce makes up the largest portion of the segment....

Apr 15, 2020

How High Risk Merchants Can Navigate Risk in eCommerce and Drop shipping

The modern eCommerce industry involves a number of risks for business owners. There are risks that are typical of high risk businesses. Let’s discover what risks are associated with high risk businesses and how merchants can tackle their challenges. Also, let’s see who can help you with the best merchant account for drop shipping. Merchant Account for Drop Shipping &...

Feb 19, 2020

Recent Holidays Sales Showed Retail Sales Growth

This the Season According to Mastercard’s SpendingPulse “Holiday E-Commerce Report.” Holiday retail sales increased by 3.4%, excluding the auto market. E-commerce sales went up 18.8% during the 2019 holiday season. Going up from the 18.4% growth rate of 2018. Mastercard’s research emphasizes how important retailer’s omnichannel strategies are. Cyber Monday was very profitable for Amazon, although they didn’t release exact...

Jan 13, 2020

Cashing in on E-Commerce | Holiday Shopping Season Lessons

eCommerce is on the rise all around the globe. Why? It’s simple! All consumers need is just a click of a button to buy goods from any corner of the world. Let’s move forward to dive more into the topic and find an exceptional payments expert for you. eCommerce Is Growing Globally Retailers are looking for ways to take more...

Dec 23, 2019

Subscription Merchants Brace for (SCA)

According to the European Banking Authority (EBA), eCommerce merchants have received the deadline of December 31, 2020 to comply with strong customer authentication (SCA) protocols. The EBA is well aware that complete SCA migration requires a consistent approach, and that eCommerce merchants may not make the full transition by the date stated. SCA is not merely a description of authentication...

Dec 17, 2019

Smartphones Used By 62% of Brazilians for Cross-Border E-com

Although this population is more connected to the Internet than ever, Brazil has a high unbanked population rate.  Access to financial services and products are only available to a few and that goes for access to credit and international credit cards. Yet, with all these challenges, the country still comes out as one of the fastest-growing when it comes to...

Nov 26, 2019

4 Types of eCommerce Fraud Online Retailers Need to Know

Ecommerce fraud is a problem every online retailer faces. Signifyd, an eCommerce fraud protection provider, reports that in 2018 total fraud losses were 7 percent of revenue, totaling over $10 billion, a 3 percent increase on the previous year. The situation is even worse in some verticals, with the beauty and jewelry industry losing over 10 percent of revenue to...

Nov 26, 2019

A Spotlight on Mobile Wallet Fraud in eCommerce Payment

With online sales multiplying by the day, and 2020 predictions for the sector approximating at trillions of dollars, merchants must understand key market trends to stay afloat in a dynamic market. Payments, for instance, are vital in making the sales process successful. With the advent and widespread use of cellphones, the adoption of mobile wallets have increased, and so have...

Nov 20, 2019

Protecting Your eCommerce High-risk from Reverse Charges

Taking credit card payments is the order of things when it comes to online customer-retailer relations. And to be able to accept cards, debit or credit, you must have access to a merchant account. Normal businesses will find many willing merchant account providers but those classified as high-risk for one reason or another must hassle hard or look in the...

Nov 20, 2019

Data Safety & Confidentiality a Top Concern for E-commerce Shoppers Worldwide

A 2019 survey by 2checkout.com on customer buying habits revealed some facts about online shoppers; that data security and confidentiality matter most to customers when buying from a web-based merchant. The study also found that buyers are most likely to abandon a filled shopping cart because of a mind-change about a purchase than due to reasons like prolonged delivery periods...

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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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