Aug 30, 2017

Millions Of Merchants May Fail To Meet The Security Deadline

While an overwhelming number of retailers in the United States are still pacing the shift to the use of EMVs, another persuasive tech has hit the market. Most retailers are still lagging behind as they should have ditched the use of TLS 1.0 as their primary transaction security protocol which is set to expire in around ten months. Failure to...

Jul 17, 2017

The US Conversion to EMV And Its Side Effects

The US conversion to EMV is almost 2 years old now. What major issues are involved with the process of adoption? Below you can read several important points associated with some side effects regarding EMV technology: EMV chip cards were first tested 20 years ago. They were developed for offline authorizations in the European market and not designed to fit...

Dec 23, 2014

Bank of America Takes the Lead in EMV Chip Implementation

This past October, Bank of America (BofA) took the lead on issuing Europay-MasterCard-Visa (EMV) chip enabled cards. This makes Bank of America, the first major banking institution to take this step. As cards expire, new cards with the EMV chip will be sent to bank customers. This is an attempt by Bank of America to get ahead of the mandatory...

Nov 26, 2014

EMV Chip Card Technology Gets Backing From President Obama

On any given day, President Obama can catch a lot of dissension from every direction. However, his recent views and backing of EMV technology have people praising him. While EMV technology is coming, his support can perhaps help those who are not sure about the technology embrace it. EMV technology is better known as “chip and PIN” technology, and it...

Aug 28, 2014

What is EMV?

As we speak, the United States is getting ready to undergo a major shift in how it technologically equips its credit and debit cards. EMV or Europay, MasterCard, and Visa, is a new fraud deterring chip embedded within debit and credit cards. This new chip has become mandatory for all card distributors as an effort to stop credit card fraud,...

Jul 07, 2014

EMV Pin and Chip Card Dilemma in the United States

As the October 2015 deadline looms for card issuers to deploy EMV pin and chip cards, a major United States issuer has elected not to use the traditional European chips that protects consumers from fraud. A new study by Aite Group reveals that most banks and issuers in the United States will use chip–and- signature credit cards. American financial institutions...

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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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