Jun 26, 2018

Gas Stations Converting to EMV Chip Card Acceptance

Do you have a gas station? Have you already converted to EMV chip card acceptance? Maybe you’re just planning to offer EMV chip card acceptance, aren’t you? Just read this article and you’ll learn more about the acceptance of these cards. Gas Stations Convert to EMV Chip Cards Unattended gas pumps might serve as a great use case for the...

Jun 25, 2018

9 Tips on EMV Fraud Liability Shift for Merchants

The nationwide adoption of EMV chip cards and processing technology brought a major change in the US. This was something different from what people used to have – mag stripe cards. Are you a merchant interested in EMB fraud liability in the US? Just keep on reading this article and you’ll learn more about it. EMV Liability Shift in the...

Apr 17, 2018

The Difference Between PIN Debit and EMV Transactions

Recently, there has been some confusion over PIN debit and EMV. Still trying to figure out the many changes taking place with EMV, many merchants have made enquiries to add PIN debit to their existing merchant account. If the difference between EMV and PIN debit has confused you as well, the following explanation will help clear things up for you....

Oct 16, 2017

Merchants and Consumers on EMV Credit Card Processing

EMV (Europay, MasterCard, and Visa) chip card payments at the US point of sale (POS) are now 2 years’ old (October 2015) at least officially. However, according to a poll of consumers and retailers by a Boston-based merchant processor, consumers think purchases are still being processed slowly; many merchants still don’t accept chip cards. Merchants’ and Consumers’ Views on EMV...

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...

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...

Jul 17, 2017

The US Conversion to EMV And Its Side Effects

The US conversion to EMV is almost 2 years old now. What major issues are involved with the process of adoption? Below you can read several important points associated with some side effects regarding EMV technology: EMV chip cards were first tested 20 years ago. They were developed for offline authorizations in the European market and not designed to fit...

May 04, 2017

EMV’S Impact On Card-Not-Present Commerce

The US decided to switch to EMV chip cards in October 2015. In 2016, e-commerce fraud rates grew by 33%, according to Experian, a global information services group After the EMV Liability Shift In 2016, the Strawhecker Group, a management consulting company focused on the payments industry, found that 29% of card-present merchants were already using an EMV-compliant terminal and...

Feb 16, 2017

Asia’s Trillion Dollar Electronic Payments Problem

Taken globally, the electronic payments industry is almost as fragmented as the mobile messaging industry for platforms like WeChat (China), Line (Japan), Viber (Philippines), and others. In North America, PayPal and its subsidiaries Venmo and Braintree play a dominant role in the electronic payments market. In Africa, Kenya’s M-PESA is the top player. It serves as a means of economic...

Dec 28, 2016

7 Points To Consider Before Partnering With A Payment Processor

As soon as the retailer accepts the transaction, the information has to be transmitted to a verified payment processor to be completed. A payment processor completes the transaction by sending data between the merchant, the merchant’s bank, the consumer’s card and their bank. A payment processor is the company providing the hardware at a storefront location. A payment processing partner...

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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 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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