Feb 06, 2017

Missing More Card Payments | Increased Card Usage

Credit bureau TransUnion, an American company that provides credit information and information management services has recently reported missed payments on credit cards issued by lenders are higher than on older cards. Credit Card Processing Almost 3% of outstanding balances on credit cards given out in 2015 were at least 90 days behind on payments 6 months after they were originated....

Dec 19, 2016

Preventing Payment Processing Fraud

EMV chips cards are called to protect merchants from fraudulent transactions. Consumers can get more protections from EMV if the chips are used properly. However, both merchants and consumers still need more protection in several areas. Today, EMV chip cards are being used by less than 50% of all merchants. Larger merchants choose to swipe because of several reasons, and...

Jul 26, 2016

New Chargeback Policy Introduced By American Express Prevents Chargebacks

In June, American Express joined Visa and announced its new policies. These new chargeback policy changes aim to cut fraud costs for merchants who face dramatically increased chargebacks since the EMV liability shift in October 2015. New Policies by Amex American Express told it would not require merchants to be liable for in-store fraud on counterfeit transactions under $25. Reasons...

Apr 28, 2016

The U.S. Was The Last Market To Adopt EMV Chip Cards for High Risk Processing. Why?

EMV cards (Europay, MasterCard, and Visa) offer a new type of credit card processing in the U.S. These are chip cards that feature a small microchip and offer improved security against counterfeiting. EMV Chip Cards Vs Mag-Stripe Cards Chip cards are designed to process differently. Unlike magnetic-stripe cards that should be swiped, chip cards need to be dipped and require...

Jun 09, 2014

The EMV chip may take more than 4 years as previously planned

 Just what exactly is EMV you ask? Years ago we wouldn’t even need to ask that question, but with the amount of fraud, corruption and hackers around the world,  EMV is needed to bring safety to our credit world. You see, EMV stands for Europay, Mastercard and Visa. It’s the global equivalent for protection. These companies have come together to...

Jun 05, 2014

EMV May not Reach Ubiquity until 2018

With EMV already making its way to the U.S., concerns have risen that no one has made an effort to educate merchants and consumers about the technology involved. As a result, the EMV-chip cards may not become ubiquitous in the United States until 2018. According to an article by David Heun of ISO & Agent, “Teaching consumers will be difficult...

May 30, 2014

EMV Moves into U.S. Market; High Risk Merchant Accounts Serve as a Solution to Growing Risks

With EMV moving in the U.S. market, the concern for fraud is now in the online sales channel. With only half of e-commerce merchants using some sort of consumer authentication program, it has never been more crucial and timely for a better understanding and implementation. According to an article by cardnotpresent.com, “The main reasons reported by merchants not using consumer...

May 27, 2014

Retailers and Card Issuers Running Out of Time on EMV Chip Card Implementation

Recent security breaches of major retailers like Target and Neiman Marcus, has pushed the conversation over EMV chip card implementation into action. Still experts predict that EMV-chip technology will not become commonplace in the United States until the year 2018. Nick Holland, senior analyst for payments with Javelin Strategy & Research, says that despite a full EMV chip card implementation...

May 15, 2014

Visa Reduces Rules and Fees for Merchant Acquirers

In spite of turbulence in Russia affecting Visa’s international transaction networks, Visa is lowering the fees and pruning requirements for merchant acquirers. The cutback of rates could be up to as much as 50%. These new policies from Visa come in the wake of the credit giant’s push for industry cooperation for security and the coming switch to EMV technology....

Apr 15, 2014

Debit Networks End EMV Stalemate with Issuers, Adopt MasterCard/Visa Common AID Solutions

Major U.S. debit networks have been discussing a solution to the Durbin Amendment/EMV issue, to avoid using the proprietary solutions by card brands like MasterCard and Visa. Technological limitations on the applications that reside on the chips of an EMV card, which enables it to be run as debit or credit, limit the path a transaction can take once an...

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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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