May 31, 2019

Tips for Fighting Chargebacks for Digital Goods

Having the option to pay even more ways for digital goods, like music streaming and news subscriptions, has created new obstacles for merchants. Customers love the convenience and 24-hour access to services, but merchants are having to deal with an uptick in friendly fraud, as well as the newer challenge of family fraud. Friendly Fraud vs. Family Fraud Friendly fraud...

Sep 17, 2018

How Online Fraud is stunting the Health and Beauty Sectors

Previous online fraud trends have misled industries to believe that high-ticket sectors like electronics are the most vulnerable to scam. Believe it or not, scammers have spotted another lucrative spot in the beauty, and online health market which studies revealed had experienced double-digit growth last year. Fueling this growth, according to the Natural Products Insider, is the surfacing of natural...

Jul 13, 2018

Account Takeover: Protect Your Online Business and Your Customers

There is one thing you can expect from online fraudsters, and that is to expect the unexpected. Fraudsters waste no time in changing their approach and appearance in hopes of attacking businesses and their customers. This season, the threat to worry about is account takeover. Account Takeover Fraud What is account takeover fraud? Far from a new technique, this form...

Jul 10, 2018

Chargeback Insurance Providers Protect Merchant Accounts

To keep a healthy, open merchant account, merchants must prevent and fight chargebacks. Merchants that don’t take chargebacks, which are when credit card providers force merchants to repay the loss of fraudulent or disputed charges, seriously can lose their merchant accounts. If merchants don’t keep chargeback ratios below 2%, providers can terminate merchant accounts. Without a merchant account, a business...

Jun 20, 2018

Chargeback Insurance Providers | About Visa Claims Resolution

The changes are here. With a deadline of April 2018, Visa’s dispute platform Visa Claims Resolution (VCR) is now in effect. What is VCR? If you haven’t heard of it yet, the aim of VCR is to simplify the dispute resolution process and improve the efficiency of the chargeback process. According to Visa, the new program was created in response...

Dec 21, 2017

AI Fighting Fraud and Winning

It’s estimated that Americans lose approximately $50 billion a year to financial scams, and there are indirect costs like bounced checks, late fees, trouble meeting monthly expenses and even bankruptcy. So, it’s no stretch to say that fraud also results in emotional costs, which are, in fact high. 50% of victims report having felt severe stress, and over 1/3 report...

Dec 14, 2017

Product Returns and Chargebacks After Christmas

Approximately 25% of a retailer’s annual returns are associated with the few weeks following the holidays. Product returns are even more pronounced in the eCommerce field. During the 2016 season, 1 out of every 3 purchases were returned. Chargeback Protection Chargebacks are of special concern during the holiday season since eCommerce dominates the holiday shopping season, with steady year-over-year (YOY)...

Dec 11, 2017

Five Useful Tips to Reduce Online Chargebacks Over the Holidays

The holiday season is usually as hectic as it is jolly for retailers. Sales generated during the holidays contribute to the bulk of a merchant’s annual revenue. On the other hand, the sky-rocketing demand usually leaves businesses gasping for air. And, as if managing and satisfying deal-hungry customers isn’t overwhelming enough, there’s also the many cases of fraud and chargeback...

Nov 08, 2017

Merchant Accounts for High Risk Businesses

Who is a High Risk Merchant? Any merchant who has one or more of the following characteristics is considered high risk: irregular high-ticket sales a record of high chargebacks Falls in an industry that major banks are not willing to support, or Any other highly regulated industry. Note that this high risk merchant account classification depends on your industry category...

Oct 27, 2017

Online Fraud | How to Prevent Fraudulent Signups

Thanks to Internet services and websites, people pay bills, shop, make online reservations and even work easily. However, all these things are very often accompanied by fraud. Small and major data breach are so common in our digital world. The identities of millions of Americans appear in the hands of the wrong people from time to time. Online Fraud and...

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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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