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...

Oct 13, 2017

10 Tips Merchants Should Use to Avoid Credit Card Chargebacks

Chargebacks occur when a customer files a dispute with his/her bank regarding a credit/debit card transaction. The problem arises when the merchant doesn’t participate in the dispute process or is informed too late. In 58% of all instances, merchant are never notified of the pending dispute, which makes them helpless and unable to defend themselves against the initial chargeback. Top...

Sep 26, 2017

Fraudsters Adopt New Tricks, ID Fraud Soars to All Time High

As fraudsters find new ways to imitate their victims, ID fraud soars to record levels. It would seem these criminals are applying for fake policies to build on the profiles of their victims. Fraud prevention service, Cifas, revealed that identity theft reached an all-time high during the first six months of 2017. According to their data, 89,000 identity frauds were...

Sep 25, 2017

5 Ways Small Business Owners Can Fight Chargebacks

Since banks have automated the chargeback dispute process, consumers will now find it very easy to file credit card charges. Currently, customers can file disputes by only a few clicks through the mobile banking apps in their Smartphones. And while consumers are happy about it, what does this mean for small business owners? A chargeback could cost a retailer about...

Aug 22, 2017

Card-Not-Present (CNP) Fraud Is on the Rise

Card-not-present (CNP) fraud is growing as cyber thieves are becoming more skillful at using both technology and stolen payment card data to defraud retailers all over the world. Card-Not-Present (CNP) Fraud According to Research and Markets, the world’s leading market research store, e-commerce merchants, particularly in the US, are dealing with rapid online sales growth. At the same time, the...

Aug 18, 2017

Four Effective Ways To Protect Your Online Business From Card-Not-Present Fraud

Online payments are classified as card-not-present (CNP) transactions because a customer doesn’t physically present the card when making a purchase. Although remote sales are convenient for both the buyer and seller, their anonymity makes them significantly more susceptible to fraud than card-present payments. Whether you run an established firm or a cash-strapped startup, e-commerce fraud is a disruptive waste of...

Dec 19, 2016

Preventing Payment Processing Fraud

EMV chips cards are called to protect merchants from fraudulent transactions. Consumers can get more protections from EMV if the chips are used properly. However, both merchants and consumers still need more protection in several areas. Today, EMV chip cards are being used by less than 50% of all merchants. Larger merchants choose to swipe because of several reasons, and...

Oct 13, 2016

Payment Options for Businesses Declared High Risk |Merchant Chargeback Protection

“Chargeback”. That dreaded word that every merchant hates. Whether you sell e-cigarettes or DVDs, you know that terms and hate it. It is the end-all of many merchants, unfortunately, but it doesn’t have to be. Chargebacks cost you extra funds, and at times even your merchant account, leaving you without any way to process checks and plastic payment cards. You...

Aug 12, 2016

Unmatched Tools For High Risk Merchant Chargeback Protection

Merchants start dealing with chargebacks the moment a customer files a dispute with his/her bank with regard to credit/debit card transactions. Very often, merchants are left out of the dispute process because customers do not usually let merchants know about disputes. Unfortunately, this attitude is on the rise: in 58% of instances, merchants do not get notification at all. This...

Nov 25, 2015

Chargeback Insurance, Safeguarding your Business for EMV Liability Shift

In August of 2011, Visa made the announcement that it was moving toward EMV contact and contactless chip technology in the U.S. The first milestone, effective on October 1, 2012, involved Visa expanding its Technology Innovation Program (TIP) to merchants in the U.S. The deadline for the EMV liability shift was set for the beginning of October 2015. These deadlines...

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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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