Merchants, You Need Credit Card Chargeback Insurance

Jul 18, 2014

Credit card chargebacks are horrendous for any business; however, they have an extra impact on high-risk businesses. Many merchant account providers will nix a high-risk business that entails too many chargebacks, due to their overwhelming cost. All merchants, especially high-risk merchants, need to invest in chargeback insurance. A chargeback insurance provider can be hard to find, however, we at EMB are here to help you.

EMB, or, offers many services geared toward high risk merchants, including chargeback insurance. We are one of the top chargeback insurance providers in the United States. What makes us different is that we know how high-risk businesses work. We know that you are often facing multiple chargebacks at one time, and we will not punish you for it. Also, with EMB you can use our chargeback insurance without having a merchant account with us.

By partnering with Verifi and powered by CDRN, EMB is offering your business yet another service that outclasses the competition. Eliminate the expensive costs that chargebacks represent for your business and reduce your bottom line with our newest service. The CDRN reduces the frequency of chargebacks by 15-30%, a percentage that represents a significant amount of your business’ revenue.  Chargeback insurance will rip out the middlemen and reinsert you, the merchant, back into the loop regarding disputes and their resolution. Chargeback insurance represents just another service that epitomizes eMerchantBroker’s reputation as a top merchant processing service provider.

Electronic payment processing opens the door for merchants to reach markets worldwide, but they also come with drawbacks, especially for high-risk merchants. One of the greater threats to your business’s bottom line is chargebacks. eMerchantBroker has partnered with Verifi and Verifi’s new Cardholder Dispute Resolution Network (CDRN) as well as Ethoca and its alert system. By networking with both banks and card issuers, the CDRN is giving merchants something they have been lacking until now; direct control over resolving credit transaction disputes before they become one. By offering our merchants both chargeback resolution networks, they can achieve the highest rate of chargeback resolution.

For more information, contact us today!



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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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