Mar 13, 2015

Are Charge Backs Just Hurdles or Real Deal Breakers?

Getting merchant processing accounts and having a taste of electronic payment processing brings with itself a plethora of bounties for your business. It is the perfect way to give your gem of a business a perfect jumpstart. However, electronic payment processing accompanies with itself a few disadvantages. The biggest one? Chargebacks. This is one thing you have to be wary...

Dec 15, 2014

Merchants Must Protect Themselves with Chargeback Insurance

“Friendly fraud” has plagued retailers and credit card providers for the last few years. But it seems that only the most extreme cases receive any attention from the general public and even small merchants. For example, the recent hacks of Target and Neiman Marcus made headlines for months in the United States and bank officials, credit card distributors, and even...

Sep 09, 2014

Save Your Merchant Account from Destructive Chargebacks

Do you know how much profit your business is losing because of chargebacks? Most companies are unaware of the great threat that chargebacks pose to the bottom line. Your merchant account deserves protection against illegitimate chargebacks. That’s why eMerchantbroker has provided another service, the Chargeback Suite, to protect your assets as a chargeback insurance provider. What is a Chargeback? Chargebacks...

Aug 12, 2014

Chargebacks – Who Has Your Back?

A Good Intention The term chargeback refers to the return of funds to a consumer when that customer reverses an order made for goods and services from a merchant. The original intent of chargebacks was to shield consumers from dishonest merchants, who might be offering non-existent or shoddy goods and services. It also benefits the customer in instances of identity...

Jul 15, 2014

What is Chargeback Insurance, and Why Do I Need It?

Chargebacks are dreaded occurrences in every business, especially high risk businesses. Too many chargebacks can leave you without a merchant account provider, and unable to accept plastic card payments. Chargebacks are often discussed, but many may wonder what a chargeback is, and why they are so damaging to a company. Chargebacks occur when a charge is disputed. The customer will...

Jul 14, 2014

The Ins and Outs of Chargebacks

Chargebacks can hinder even the most profitable business, due to their unexpected occurrence. While high risk companies are presumed to be at a higher risk of chargebacks, they are usually charged to the merchant unannounced. The chargeback fee can also be outrageously more than the price of the actual fraudulent charge, sometimes up to 270%! While chargebacks can damage a...

Jul 11, 2014

How to Eliminate Chargebacks Before They Even Happen

Chargebacks can ruin even a successful business. They are annoying to merchants, and most of the time their fees come without warning. While it may seem like chargebacks are inevitable, there are ways that can help you stop them before they affect your business. Chargebacks occur when a customer calls their bank or credit card provider and reports a faulty...

Jun 10, 2014

How to Keep Chargebacks Away with Chargeback Insurance

Chargebacks are an often occurrence in any type of online business; however they do affect high risk businesses more frequently. Chargebacks can cause havoc for any business, as the majority of the time chargebacks are not reported to the business until funds are taken from the business. Chargebacks can create up to 270% of lost money on a chargeback. This...

Jun 09, 2014

Tired of Being Declined for a High Risk Processing Account?

It can be devastating to apply to various credit card processors only to be turned down because your company is “high risk”. After being declined a few times, you may think that you have no options as far as credit card processing. However, there are companies that specialize in high risk credit card processing accounts. A merchant can be classified...

Jun 09, 2014

Top 5 Ways to Combat Chargebacks

From Calling to Chargeback Insurance: How to Keep Chargebacks Away Chargebacks from fraudulent transactions can hinder your business. These often come as surprises to merchants, as many times the customer’s bank does not alert the merchant to the problem. However, there ways to help protect your business from chargebacks, from questioning odd transactions to investing in chargeback insurance, and they...

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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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