MasterCard’s Newest Idea: Purchasing by Heart Rate | Help Desk Merchant Account

Oct 16, 2014

MasterCard is never out of ideas, it seems. Their newest experiment involves using one’s heartbeat to determine purchasing trends. While it seems plausible that a faster heartbeat means a purchase, MasterCard is looking to what makes people shop. This is a good idea, and it could even help in therapies to help compulsive shoppers.

MasterCard also recently made headlines for its tokenization idea, i.e., a one-time-use pin number to ensure customer security and privacy. While the masses are still arguing about it, at least it has people talking. Regardless if it becomes a viable possibility, you need to make sure that your current payment processor is up to date and up to code on the ins and outs of your business. As you know, not all businesses operate the same, especially if that business is a help desk. This is because help desk merchant accounts are prone to having a higher rate of fraudulent activity. Really, there is nothing concrete you can do to prevent it, though there are ways to slow it.

You need a high risk merchant account processor, however not just anyone will do. You need one that is experienced in handling help desk merchant accounts. You need one that offers chargeback insurance. Chargeback insurance helps lower the fees associated with a chargeback, aka the fees from a fraudulent charge. If you have been hit with these fees, you know that they can be upwards of 270% of the fraudulent charge. This may not seem like much if the charge is $5, but what if it is $500? 270% of $500 is $1,350. That is a massive difference!

You need to look no further than EMB. We at EMB, or, know the challenges that can come with a help desk merchant account, and we are experienced in their ups and downs. Our chargeback insurance is top-notch, as is our security and terminals.

For more information, contact us below


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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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