Jan 17, 2017

False Declines Vs Actual Fraud During Holidays

Ecommerce merchants are putting all their efforts to protect their business from fraudulent payment processing. Often, eCommerce companies try too hard because of fear of fraud, which results in false declines. The latter is also called false positives and happens when a legitimate transaction is turned down. False Declines False declines are turning into a greater threat than actual fraud....

Dec 22, 2016

How eCommerce Merchants Can Avoid Fraud

Online commerce has been growing steadily in the past years. Ecommerce is providing major benefits and advantages for merchants. As for consumers, they get the opportunity to enjoy a high level of comfort when making purchases anytime, anywhere. Fraudsters and scammers also try to benefit from the situation and make more money. Chip-based EMV cards create more difficulty for fraudsters...

Dec 21, 2016

New Threats And PCI Rules

The Payment Card Industry Data Security Standard (PCI DSS) turned 10 years old in September 2016. It has introduced a new 3.2 version of the industry standard that should be used by businesses to protect payment data before, during and after purchase. Now, businesses should take into consideration a large list of new requirements and clarifications. These will be regarded...

Jul 29, 2016

Mobile Payments In The Card-Not-Present World

Given mobile payments, the public attention has mainly been focused on POS solutions such as Apple Pay and Samsung Pay. However, Jane Cloninger, director and owner at Edgar, Dunn & Company, notes that most mobile advancements have been in the sphere of apps and mobile Web. During the 2016 CNP Expo, Leon Majors, founder and president of Phoenix Marketing International,...

Jul 27, 2016

Brexit Vs. Global eCommerce

Brexit’s impact on its broader economy began almost immediately. How the British decision might affect eCommerce sales in the UK is not clear yet. Views on Post-Brexit eCommerce in the UK According to Scurri, a software company automating online fulfillment, the hit by Brexit could be enormous. Scurri believes the 10% of UK eCommerce sales coming from other countries’ consumers...

Jul 22, 2016

Brexit Vs. eCommerce – An Optimistic View

Undoubtedly, Britain’s Brexit vote to leave the EU will have its impact on eCommerce. A logistics technology provider MetaPack based in London reports some views on the steps UK and EU leaders will take in this regard. The Future of Post-Brexit eCommerce According to MetaPack, there will be more place for growth. UK and EU leaders will begin negotiating new...

Feb 29, 2016

M-Commerce Took Control of 2015’s Holiday Season | eCommerce Merchant Account

While much of the media’s talk of the 2015 Christmas and winter holiday shopping season consisted of the surge of e-commerce sales, they lacked mentioning m-commerce. M-commerce, or mobile commerce, is growing quickly, and with the lessened prices of smartphones, more consumers are likely to jump on this techie bandwagon. For customers and merchants alike, this change is quick and...

Jan 18, 2016

BEST PAYMENT GATEWAY FOR HIGH RISK MERCHANTS

“Opportunities don’t happen. You create them.” – Chris Grosser The importance of a solid, reliable high-risk payment gateway is undeniable in the modern world of eCommerce. It’s of vital importance for merchants to be able to accept secure and affordable credit card payments. How Online Payments Work The moment a customer enters “Place Order” at the checkout of an eCcommerce...

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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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