Sep 19, 2019

Preventing False Declines and Fraud in E-Commerce

The number of both fraud attacks and false declines is growing. Are you working on preventing false declines? Do you have a secure payment processor to rely on? Not sure? No worries! This article will help you with preventing false declines easily. Preventing False Declines Let’s start with the so-called “friendly fraud.” It’s to do with cardholders wrongly disputing purchases...

Feb 26, 2019

Friendly Fraud – All to Blame for E-Commerce’s Worst Enemy

By now, everyone knows that Facebook not only cashed in the rampant friendly fraud generated by kids unintentionally or without parents’ knowledge downloading games from the platform, but it encouraged the practice. A few years ago, the social media giant informed its employees of friendly fraud and explained how it should not try to block it.  The result was some...

Feb 25, 2019

DHL Closure in Chile Shows Global E-Commerce Market Struggles

Despite its status as one the most stable economies in Latin American, global package delivery company, DHL, plans to shutter its e-commerce business in Chile. Though DHL’s e-commerce division closes on April 12, the delivery company plans to keeps its other package delivery hubs running in the country. DHL only began delivering packages from online retailers to consumers in Chile...

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...

Sep 14, 2017

The Importance of Payment Gateways for E-Commerce

If you’re running an e-commerce website, you can’t do without a payment gateway. A payment gateway can be characterized as the mediator between e-commerce sites and the payment processor. This system is required for secure payments authorization for your e-commerce website. Why Do You Need a Payment Gateway? Payment gateway systems can be viewed as the digital equivalent of credit...

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...

Apr 27, 2017

Blockchain To Fight Counterfeit Fraud

China-based e-commerce giant Alibaba has teamed up with PwC, a multinational professional services network, to develop a system that could help minimize food fraud with the help of blockchain technology. As you know, the blockchain technology underlies Bitcoin. If Alibaba’s pilot program succeeds, blockchain is going to be used against a type of fraud that affects online marketplaces, specifically food....

Apr 13, 2017

Recent Report On Mobile Payments And Cross-Border E-Commerce

According to a global survey of 2.300 companies and consumers, fast-growing companies are more likely to embrace and accept mobile payments than those companies that experience slower growth. 43% of companies whose profits are growing by at least 11% offer a mobile app that supports payments. The same can be said about 34% of companies that have slower profit growth....

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...

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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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