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...

Jun 23, 2015

Why Chargeback Insurance is Becoming Essential for Merchants

Chargebacks can have a huge, negative impact on a business. Chargebacks occur when a customer files a dispute with their bank in regards to a debit or credit card transaction. The part about a dispute that makes a merchant helpless is when the customer fails to notify the merchant about the pending dispute; this is the case 58% of the...

Jun 15, 2015

9 States Leading in Identity Theft | Prevent Fraud with Chargeback Insurance

2014 saw data theft across the United States reach its peak. The Identity Theft Resource Center reports indicate more than 780 data breaches were witnessed in 2014. This was a substantial increase in the crime compared to the records from the previous years. The Federal Trade Commission reported 332,646 cases of identity theft complaints the same year. This was definitely...

May 22, 2015

If you Accept Mobile Payments, You Must Have Chargeback Insurance

Mobile payment apps are hot, and the number of users is growing by the day. It takes little time and effort for a merchant to accept mobile payments, but as with all good things, there is a catch. Mobile payments are prone to having more fraudulent transactions that other payment sources. We all know that one too many fraudulent transactions...

May 22, 2015

Merchants, You Need Chargeback Insurance!

There are plenty of things that businesses can do without. From uber-fancy display cases to expensive (but not logical) equipment, there is always something that you think you need, but really do not. Things like this can put a business into a financial mess, and this fear and leave all merchants fearful of investing in anything new. While somethings are...

Apr 22, 2015

Data Breaches Can Hurt a Small Business Without Chargeback Protection

It appears that every month there is a report on the news that another mega-company has been hacked and millions of customers’ information has been stolen. Target alone has to pay $10 million in settlement including legal fees for their breach. The attorneys reaped most of the rewards with the average affected customer only seeing $.25 if he filed a...

Apr 14, 2015

Merchants Can Protect Themselves with Chargeback Insurance

Those who keep up with ways to keep their e-Commerce companies profitable will have looked at several chargeback insurance providers. A chargeback is protection for the customer which is offered by issuing banks. This allows a cardholder to file a complaint regarding fraudulent transactions on his billing statement. Once the cardholder files a dispute, the issuing bank makes an investigation...

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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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