Apr 07, 2017

What You Should Know About Chargebacks and Preventing Them

Accepting credit cards as payment in your business transactions can help you enjoy increased revenue and customer base, as well as improved productivity. A merchant account that you can open for accepting cards for payments will enable you to run your business with convenience, cost-effectiveness, and professionalism. Chargebacks are one of the important aspects concerning merchant accounts that you should...

Feb 28, 2017

How to Effectively Protect your Business from Chargebacks

In a world where online shopping is the norm, chargebacks are arguably an e-commerce merchant’s worst nightmare. Every internet-based retailer dreads waking up to a bunch of messages about a customer disputing a previously approved transaction. Chargebacks are a headache because the burden of proving that the client was rightfully charged solely falls on you as the merchant. Moreover, information...

Jun 06, 2016

Important For Online Merchants – Ticketmaster Sells Tickets On Facebook

It is possible to buy things on Facebook and also obtain concert tickets on the site. Ticket retailers are given an opportunity to sell admission to live music and other events via Facebook and mobile app. Making tickets to events available on the social networking site is a pretty good for both Facebook and companies offering tickets. Buying Tickets on...

May 19, 2016

Prevent Chargebacks with EMB

Since EMV technology has saturated the American market, some merchants have been concerned about its impact on CNP fraud – and they should be. A recent report from Juniper Research projects that CNP will reach almost $25.6 billion by 2020, this is $10 billion more than previously predicted. For online merchants, CNP fraud can have a severe impact on profits....

May 19, 2016

New PIN and CHIP Services Lead to Spike in CNP Fraud

A new report called, ‘Online Payment Fraud: Key Vertical Strategies & Management 2016-2020,’ shows that online fraudulent activity trends are following those seen in Europe a few years ago. Recent PIN and CHIP services at the POS (Point of Sale) locations in the United States, have driven fraudsters from stores to the CNP (Card Not Present) space at accelerated rates....

Feb 29, 2016

Payment Chargeback Protection For All Merchants

There is always something changing with business. From changing customer rates, to increased bills, and even processor rate changes, the hits keep on coming for US-based merchants. One of the new changes that all merchants should take a look at are changes in payment protection. The introduction of the “chip and PIN” card was once believed to have solved hacking...

Feb 20, 2016

TIPS FOR MERCHANTS TO IDENTIFY AND FIGHT CHARGEBACK FRAUD

Merchants may have difficulty identifying and preventing credit card chargeback fraud. Steps below will help merchants detect chargeback fraud and prevent it. Know Your Risks Better Online merchants can’t see the credit card being used and check the identification or signature of their customers. Understanding your risks and knowing the degree of your vulnerability will help you track fraud. Use...

Jan 20, 2016

What Merchant Chargeback Protection Can Offer You

What is merchant chargeback protection, and can it solve your chargeback problems? Even if you have the best chargeback management plan, there will always be unauthorized transactions that slip through. If you have noticed that these fraudulent transactions are beginning to affect your bottom line, it might be time for you to consider what chargeback protection can offer you. Before...

Dec 29, 2015

Spike in CNP Fraud Bad News for Online Dating Sites

According to ACI Worldwide, the online fraud attempts rose 30% from 2014 to 2015. This spike was expected by analysts who referenced trends seen in Canada. When Canada migrated to EMV between 2008 and 2015, CNP fraud increased by 133% at the same time. ACI Worldwide shows that from January-to-July, fraud attempts in America went from 1 out of every...

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...

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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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