Apr 24, 2018

Why Your Business Has So Many Chargebacks

Chargebacks will not only cause you huge losses but also ruin your firm’s reputation among credit card processors. So when trading goods or service through the internet, always make sure you watch out for chargebacks. Because operating a business profitably also means taking measures to ensure you have the fewest chargebacks, here’s a guide through what chargebacks are and tips...

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 03, 2017

Three Common Challenges That e-commerce Merchants Face and Their Solutions

Preventing Chargebacks Going by recent records, the e-commerce industry is on a steady growth path. Last year, the U.S. Department of Commerce reported a 14.5 percent growth in online retail sales, which amounted to more than $340 billion. That said, even a thriving industry has pain points. If you’re new to the e-commerce game, knowing the potholes you’re most likely...

Jul 24, 2017

Fraudsters Focusing on Card Testing

A great number of merchants in the US are being attacked by fraudsters. In September 2014, the US experienced 52% of total attack volume. The United Kingdom, China, and the Netherlands experienced 9%, 8%, and 6% of attack volume, respectively. Statistics show that airlines (among e-commerce merchants) are most affected by fraudulent transactions. Airline merchants account for 46% of fraudulent...

Jun 16, 2017

What You Should Know About Credit Repair Merchant Accounts

In today’s market, bad credit is a common thing. That’s why you can find many credit repair companies on the marketplace. The credit repair industry mainly includes small businesses. No single company accounts for over 5.0% of credit repair industry revenue. Domestic (US) total annual revenue for the credit repair industry made up $6.0 billion in 2015. Categorization of the...

Jun 09, 2017

Why You Need Chargeback Protection

No matter you’re a subscription-based business or e-commerce store, chargebacks can create major problems for your business. E-commerce business owners consider credit card chargebacks awful. However, if you prepare ahead of time and use a reliable chargeback prevention system, a chargeback will never hurt your business and can be prevented easily. What Are Chargebacks? A chargeback begins when a customer...

Jun 05, 2017

Lessons the Fyre Festival Can Teach About Chargeback Protection and Customer Service

47% of merchants think fraud is inevitable. According to another 20% of merchants, fraud control is too expensive. Chargebacks can create a headache for everyone involved in a business, both the merchant, the processor and the acquiring bank. Because of chargebacks the whole process needs be reversed, and that’s not free. Let’s take the example of the recent Fyre Festival....

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...

Dec 28, 2016

How Chargebacks Can Affect Your Online Business

Chargebacks can be described as disputes. Various issues can cause consumers to dispute the transaction. So a chargeback may be caused by a damaged product, or the customer may not have ordered the right thing based on the description of the product. Stolen cards and fraud can be another reason for a chargeback dispute. In such cases, customers contact their...

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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 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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