Dec 08, 2017

Three Cutting-edge Trends in E-commerce and What They Mean For Credit Card Fraud Prevention

The way we do business is gradually shifting towards fast, simple and convenient methods. While this is undoubtedly good for merchants and shoppers alike, it has also introduced new challenges regarding security and fraud. Here are three trends in e-commerce, and how they’re influencing the raging fight against online fraud. Instant Gratification These days, the one thing shoppers can’t tolerate...

Aug 04, 2017

Three Cutting-edge Trends in E-commerce and What They Mean For Credit Card Fraud Prevention

The way we do business is gradually shifting towards fast, simple and convenient methods. While this is undoubtedly good for merchants and shoppers alike, it has also introduced new challenges regarding security and fraud. Here are three trends in e-commerce, and how they’re influencing the raging fight against online fraud. Instant Gratification These days, the one thing shoppers can’t tolerate...

Apr 24, 2017

The Importance Of Security And Fraud Prevention For Payment Processing

The Internet of Things is making the world more digitally driven and digitally connected. It’s estimated 50 billion smart devices will be used all over the world by 2020. Of course, this will highly add to the convenience of making payments, enabling consumers to easily pay how they want and when they want. However, the issue of secure payment transactions...

Jul 22, 2016

Payment Card Industry Data Security Standard Audit A Fire Drill?

Each year, companies face a fire drill when completing their Payment Card Industry Data Security Standard (PCI DSS) audit. What is more, companies have to complete the vulnerability scans that are required by PCI DSS. Why Do Companies Get into a Chaos? The reasons for a PCI compliance fire drill are as follows: First of all, companies are still manually...

Jul 22, 2014

Exposing Security Problems

With the ever-increasing threat to personal details, which companies hold about their customers, it is important you can feel secure with your merchant account supplier knowing they are keeping safe your customers details. This doesn’t matter if they are the best merchants that provide services to the top paying businesses or the high-risk merchant account who is helping those businesses...

May 09, 2014

Target’s CEO Steinhafel Steps Down following the 2013 Data Breach

Target has been left with many choices to make after the data breach that occurred in the three weeks surrounding the holiday shopping season of 2013. As many as 40 million customers were compromised when their payment card accounts were hacked. According to an article by the Los Angeles Times, “The company later said that hackers had illegally accessed personal...

Apr 04, 2014

Merchants fight to Take Hold of Card Security Measures

As the federal government considers new laws and regulations following the recent Target data breach, it’s important to consider who will unintentionally suffer. With any new laws or regulations, at times the good will have to suffer with the bad. This could be substantial, as nearly 70% of payments and purchases made in the United States are done with credit...

Mar 28, 2014

POS Makers Prep for 2015 Card Changes

With as many as 5 million mobile point-of-sale readers in circulation in the United States, mobile POS companies will have their hands full following the liability shift set for October 2015 when the nation’s payment card networks step up the migration to the MasterCard-Visa chip and pin system. While this change is fantastic for security reasons, there are sure to...

Mar 14, 2014

The Ups and Downs of Mastercard’s Smartphone Security Plan

Mastercard recently announced plans to beef up security to make it more difficult for someone to use a stolen credit card. The company they are collaborating with, Syniverse, looks to help strengthen security by making it virtually impossible for an individual’s credit card to be used outside a certain distance of his smartphone. However, while this sounds like a promising...

Mar 14, 2014

Two New Attacks on Credit Card Information

Business owners and Customers show little concern Perhaps the most noticeable fallout from Target’s massive credit card security breach last year is how little impact it had on small business owners. Data protection, a recent poll reveals, is still on the back burner for small business owners—who have barely any interest regarding the Europay-MasterCard-Visa (EMV) chips that are reputed to...

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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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