Jul 26, 2016

EMV’s Role In Increased Card Declines On Subscriptions In 2015

According to a new report released by Recurly, a recurring-billing technology provider based in San Francisco, card declines on subscriptions averaged more than 12% in 2015. The company analyzed 25 million transactions over the course of 2015 to provide its analysis. Card Decline Increase As Recurly reports, the EMV rollout was the main reason for the increase. The analysis also...

Jul 21, 2016

EMV – mPOS Competitive Advantage

The US mPOS market has been in the center of attention of several global mobile POS providers since EMV liability shift in October 2015. This also refers to those providers that once considered the US to be a Red Ocean. The US and European mPOS Markets Before October 2015, the US mobile point-of-sale market wasn’t of great interest to most...

Jul 05, 2016

Visa’s Quick Chip To Accelerate EMV Payment Processing

EMV adoption by merchants is certainly on the rise. However, EMV payment transactions require longer time at the point of sale (POS) as compared with magnetic-stripe cards. Visa’s Quick Chip for EMV Transactions Visa has recently introduced its Quick Chip for EMV, which aims to help users complete faster checkout. Quick Chip by Visa also enables users to enjoy streamlined...

Jun 05, 2016

Will Chargebacks Make Small-Business Owners Get EMV Terminals?

Based on a recent survey by Javelin Strategy and Research, 8% of small and micro businesses don’t accept EMV chip cards because of the lack of a business case for the cards. The survey was conducted in February. The numbers are down 33% from November 2014. Other reasons include the need for new hardware (17%), security concerns (16%), and consumer...

Apr 28, 2016

The U.S. Was The Last Market To Adopt EMV Chip Cards for High Risk Processing. Why?

EMV cards (Europay, MasterCard, and Visa) offer a new type of credit card processing in the U.S. These are chip cards that feature a small microchip and offer improved security against counterfeiting. EMV Chip Cards Vs Mag-Stripe Cards Chip cards are designed to process differently. Unlike magnetic-stripe cards that should be swiped, chip cards need to be dipped and require...

Apr 28, 2016

Is EMV More Secure For High Risk Merchant Accounts?

Modern businesses are now accepting both contactless or Near Field Communication (NFC) and EMV (Europay, MasterCard, and Visa) payments. The stage of accepting magnetic-stripe cards is coming to its end. NFC and EMV are considered more secure and authenticated methods of making payments. Let’s compare magnetic stripe and EMV cards to see why smart chip cards are regarded as more...

Feb 16, 2016

Credit Repair Merchants Slowly Adapting to Contact-Only Tech

Consumers may be able to adapt to longer checkout times caused by EMV usage, says a new Ingenico Group report. When the U.S. first rolled out new EMV standards, many predicted that consumers would not have the patience to use EMV enabled cards that required them to place cards in POS readers and wait for verification. So far this has...

Dec 16, 2015


“If there is no struggle, there is no progress.” – Frederick Douglass A recent survey in the field shows that consumers appreciate the added security of EMV chip cards, but many of them consider the new transaction process to be bothering. Some consumers say they even avoid stores that require inserting a chip card into a POS terminal or using...

Dec 16, 2015


“When it comes to fraud liability, we need to recognize that targets may shift.” – Michele Kramer Based on Paychex Small Business Survey, retailers and restaurant business owners are better aware of EMV and the liability shift associated with it, as compared with other merchants. What Does Survey Show? Paychex Small Business Survey was conducted between October 14 and 27....

Dec 15, 2015


“In the middle of difficulty lies opportunity.” –  Albert Einstein The US EMV chip card statistics for October 2015 has recently been announced by Visa Inc. The first month’s data concerning EMV liability shift for POS or point-of-sale transactions shows EMV has growing success. Current Market According to a spokesperson for The Foster City, a card network based in CA,...

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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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