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...

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...

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...

Dec 21, 2016

Stolen Cards, Gift Card Exchanges, And Credit Cards

Hackers selling a batch of 50-100 credit card numbers can get $250.000 – $1 million. A buyer can make $2 million – $8 million using these stolen card numbers. As for the risks, the deal is riskier for the buyer than the seller. The data was provided by a research team led by Thomas Holt, a criminologist at Michigan State...

Sep 09, 2016

The Power of Dynamic CVV against Credit Card Fraud

Fraud is the biggest threat to the credit card payment industry. Credit card related fraud comes in various forms: Outright physical card theft and Impersonation Hacking Forgery In every case, the criminals always seem to be a few steps ahead of those who fight to eradicate fraud. They tend to use the same technology used to fight them to steal...

Oct 10, 2014

Increased Security Can Help with Chargebacks on High Risk Merchant Accounts

It appears that we cannot go a full week without hearing about hackers stealing credit card numbers, pin numbers and personal data of those who have used their credit and debit cards at large retailers. Now it seems that the fraudsters have hit a huge fast food chain, Dairy Queen, which has 395 stores in the U.S. This can be...

Mar 28, 2014

Merchants Believe It Is Up To Them to Prevent Fraud

The upcoming of MasterCard and Visa (EMV) chip and pin cards to the U.S. has many American merchants worried about the inevitable shift of credit and debit card fraud from the point of sale to online channels. EMV cards, while highly effective in thwarting counterfeiting and related card-present fraud, offer no more fraud protection on the Internet than the magnetic-stripe...

Mar 27, 2014

Outsmarting Cyber Criminals

Cyber criminals and data hackers are constantly finding new ways to defeat retailers’ data security and fraud prevention systems. Sometimes these criminals come in a swipe thousands of dollars at once, or just a few dollars. Regardless of the amount stolen, the fact is that it should not happen. However, there are new technologies on the horizon to help stop...

Mar 25, 2014

Why do Such a Large Number of Americans Hold the Merchants Responsible for Preventing Fraud?

Feedzai, a large science company who are known for using real-time and machine-based learning to put a stop to fraud, have announced the results today of their nationwide survey of adults in the United States. The survey found that a staggering 60% of those surveyed hold the merchants themselves responsible for preventing fraud and data breaches, like the recent ones...

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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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