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...

Jul 28, 2017

Consumer Attitudes About Ecommerce Security

In 2016, 15.4 million Americans were hit by online financial fraud, which was a 16% increase to $16 billion in stolen money. The fact that there was $1-billion climb from 2015 indicates that this type of fraud isn’t going to disappear soon, especially with the surging popularity of online shopping. What Do Numbers Show? According to pymnts.com, ecommerce fraud has...

Feb 14, 2017

Why Every Online Retailer Should have a Merchant Account

Unlike physical stores, which can make use of traditional payment methods such as cash and checks, the only way customers can pay an online retailer is through a merchant account. Such an account enables the holder to accept payments in credit and debit card form. With multiple forms of payment at a merchant’s disposal, he or she can capture and...

Nov 25, 2015

6 Essential Steps in Making an E-Commerce Business Venture Successful

Running an e-commerce business is becoming more and more attractive. However, for those planning to launch a business, this undertaking should not be approached casually. Whether you plan on running the business part-time or full-time, a lot of work goes into creating a successful e-commerce website. As attractive as an e-commerce business is, it will not work if you plan...

Nov 09, 2015

5 Ways to Make Your E-commerce Business

Every year the ecommerce economy is expected to grow exponentially. Opportunities to invest online are never ending. It is an exciting time to be an entrepreneur and a good time to get in on the base floor of ecommerce businesses. Total estimated ecommerce retail sales in America came in at $3.19 trillion for 2014, which was about 9.5 percent of...

Sep 16, 2015

EMV: A New Way to Protect your e-Commerce Business

Technology has been changing and the online payment industry is one area where you’ll never miss a new development. This time, let’s look at EMV. What is EMV? EMV (Europay, MasterCard, and Visa), is a global standard for inter-operation of Integrated Circuit (IC) cards or chip cards, IC card capable Point of Sale (POC) terminals, and Automated Teller Machines (ATMs)...

Jun 05, 2014

E-Commerce Systems at High Risk

There has been a wave of security breach incidents according to the security-compliance firm Trustwave. The firm composed a comprehensive report detailing that there has been a 54% increase in the number of investigations over a one year time frame. E-commerce assets accounted for more than half of the targeted systems. This report came just days prior to the hack...

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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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