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...

Jun 05, 2014

Entertainment Providers are Often High Risk Fraud Targets

Entertainment companies providing cable and satellite television services experience the highest rates of global fraud compared to other merchants. There are many reasons this could happen, from how easy it is to order equipment to the massive amounts of customers these companies have. Regardless of the reason, this is a major problem, but your chances can be minimized if you...

Apr 04, 2014

Is there such a thing as Chargeback Insurance?

Even though merchant account services provide good security, occasionally a fraudulent transaction can occur. When this happens, it can unnerve a vendor. However, many companies offer chargeback insurance, to ensure that your company is not hit too hard. Chargeback insurance is just like any other insurance policy. It helps protect the policyholder’s financial interests when unforeseen events pop up.  Chargeback...

Apr 02, 2014

The Inside Scoop on Chargeback Insurance

The bane of small businesses, particularly those in high risk sectors, are excessive to chargebacks. Chargebacks are like termites for merchants. They’re small, ever-present annoyances that can undermine the walls and floors of your business. Merchants may be familiar with chargeback insurance as a mechanism to cope with chargebacks. Yet, there are limits on the amount of damage insurance can...

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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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