Nov 26, 2019

4 Types of eCommerce Fraud Online Retailers Need to Know

Ecommerce fraud is a problem every online retailer faces. Signifyd, an eCommerce fraud protection provider, reports that in 2018 total fraud losses were 7 percent of revenue, totaling over $10 billion, a 3 percent increase on the previous year. The situation is even worse in some verticals, with the beauty and jewelry industry losing over 10 percent of revenue to...

Nov 26, 2019

Understanding High Risk Credit Card Processing

All eCommerce merchants must set up a payment method for their customers. This payment solution allows a buyer to pay for an item or a subscription service. Credit card is a common payment method among online customers and businesses as well. And failure to add a credit card processing solution means denying your customers a favorite means of payment. For...

Nov 26, 2019

A Spotlight on Mobile Wallet Fraud in eCommerce Payment

With online sales multiplying by the day, and 2020 predictions for the sector approximating at trillions of dollars, merchants must understand key market trends to stay afloat in a dynamic market. Payments, for instance, are vital in making the sales process successful. With the advent and widespread use of cellphones, the adoption of mobile wallets have increased, and so have...

Nov 21, 2019

Instant High Risk Merchant Account Solutions

High-risk businesses looking for a place in the online marketplace must worry about the future of their payment processing. A high-risk merchant account is a must-have if you are going to process transactions online. But getting your hands on the right account for your needs can be a hassle because of the bad attitude towards risky industries. Yet the ability...

Nov 21, 2019

Grow Your Dating Business with and An Online Dating Merchant Account

Online hookup is fun for consumers that most of them don’t understand what the merchant goes through to set up a fully operational dating service. The high-risk classification of the service makes it a hassle to get a merchant account and payment processing solution, which are almost impossible to operate without. You have to conduct a detailed search to partner...

Nov 20, 2019

How a Credit Repair Firm Increases Your FICO Score

It’s a good idea to want to know what a credit firm does to boost your FICO score from poor to desirable. Undesirable credit is detrimental to your financial well-being if you live in the US which explains the emergence of credit repair firms. But with cases of fraudulent credit firms on the rise, consumers should be curious to understand...

Nov 20, 2019

Data Safety & Confidentiality a Top Concern for E-commerce Shoppers Worldwide

A 2019 survey by 2checkout.com on customer buying habits revealed some facts about online shoppers; that data security and confidentiality matter most to customers when buying from a web-based merchant. The study also found that buyers are most likely to abandon a filled shopping cart because of a mind-change about a purchase than due to reasons like prolonged delivery periods...

Nov 19, 2019

Online Insurance Transactions, the New Target for Fraud

For business owners, shifting to online platforms often comes with a host of risks no matter the industry you serve. Anyone can be a target! And now, new data from recent research by Iovation reveal that insurance is the next favorite e-commerce fraud target. Cybercriminals are increasingly eyeing firms that offer insurance services as web-based payments for the sector surge...

Nov 14, 2019

International Payment Processing Can Help You Go Global

The borders of commerce are becoming less and less apparent as businesses tap into global markets across the world. With the expanding market, companies are reaping the benefits from appealing to a broader range of consumers, sometimes finding more success for their products and services in foreign countries than in their home countries. But all of this business would come...

Nov 14, 2019

Cashless ATM for High-Risk Businesses

A cashless ATM is similar to a traditional ATM in that it allows customers to access their accounts to pay cash for services. It even has similar prompts and requires their 4-digit pin code. However, cashless ATMs are completely electronic. Instead of dispersing physical cash, transactions are made online and the customer is provided with a voucher to confirm that...

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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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