PIN-Debit Networks Profited From Visa’s Debit Traffic

May 26, 2015

Visa’s attempts to help businesses gain customers, all while proving safety, may have backfired. The Durbin Amendment produced transaction requirements, for which issuers must offer at least two unaffiliated networks on the debit cards they issue. That rule broke up a number of long-settled deals by which major issuers had combined Visa and Interlink, or MasterCard and Maestro, on the same card, effectively leaving merchants with no choice in routing. This is scary, because if you think about it, there isn’t a 100% reliable way to know where your information is going.

Processors, especially high risk merchant account processors, have been unde the gun for years because of its merchants run ins with fraudulent charges and hackings. We now that that every business is at a higher risk of fraudulent charges and hackings, even though many in the industry deny it. Merchants need to make sure that their high risk merchant accounts are in responsible, knowledgeable hands, such as EMB, otherwise known as There are many high risk merchant account processors around, but few have the resources, experience, and knowledge that EMB and its staff does. This is important, since the PIN industry seems to be in a tailspin, thanks to the new reports about the Durbin Amendment. According to, the Interlink/Maestro combination in 2012 saw its transaction count shrink by 22%, it was able to post a 6% increase for 2013, according to the report. And that eye-popping 58% growth rate the competing networks achieved in 2012 turned slightly negative in 2013. In terms of market share, the Interlink/Maestro combo increased from 47.3% to 48.8%, while the all-others group fell from 52.7% to 51.2%.

The Durbin Amendment was meant to help smaller PIN processors succeed. However, some of these smaller PIN processors may not be as equipped and up to code on security issues as the bigwigs, such as Maestros and Visa. This makes it even more important that you, the merchant, knows your information is safe. Safety starts with the merchant’s processing abilities, and a good processor can help give an added layer or protection from hackings and fraudulent issues.

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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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