Jun 19, 2020

Visa Postpones U.S. Interchange and Fee Changes Until 2021

Interchange and fee changes are placed on hold to help the digital payments industry. Due to the massive disruptions of businesses caused by the COVID-19 pandemic, Visa made the announcement that they will delay the increase in credit card “swipe fees” until the following year, in April 2021. However, it will continue to move forward with its efforts to lower...

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 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....

May 01, 2014

EMV Implementation Deadline is Fast Approaching

EMV is set to hit America with a deadline of 2015. EMV, which stands for Europay, MasterCard® and Visa®, is designed to reduce the opportunities for card payment fraud. According to PNC Merchant Services Company, It is “Chip-embedded payment cards are nearly impossible to duplicate, and when combined with additional layers of security–such as encryption, tokenization and other strong authentication...

Apr 14, 2014

The Conversion to EMV Offers Hope in Reducing Percentage in Fraud

Fraud has always been an issue. However, the spike in card fraud in 2013 has increased concerns and caused interest and a shift towards EMV. EMV stands for Europay-MasterCard-Visa. Explained by Nigel Beatty, Regional Vice President and Senior Consultant of Technology Banker, “EMV is a set of standards defined by Europay, MasterCard and Visa; back in the 1980s, hence the...

Apr 04, 2014

Merchants fight to Take Hold of Card Security Measures

As the federal government considers new laws and regulations following the recent Target data breach, it’s important to consider who will unintentionally suffer. With any new laws or regulations, at times the good will have to suffer with the bad. This could be substantial, as nearly 70% of payments and purchases made in the United States are done with credit...

Mar 25, 2014

The US Conversion to EMV Chip Cards Is Underway – But How Will This Affect The Online Market?

American merchants are likely to be a little sceptical about the long-awaited introduction of Europay-Mastercard-Visa (EMV) chip cards into the country, which have been present for quite a long time in other countries. “Why the negativity?” I hear you ask. Although EMV cards are very effective in preventing fraud in card-present transactions, they are not so protective in card-not-present transactions,...

Feb 12, 2014

Merchants and Card Security Executives Questioned in Hearings on Recent Payment-Card Security Lapses

Four Senate and House of representatives hearings were scheduled in Washington as a result of the December 2013 payment security breaches experienced by Target, the Neiman Marcus Group, and a number of other merchants. In these hearings titled “Safeguarding Consumers’ Financial Data,” the information-protection practices used by merchants and financial institutions were reviewed and evaluated by the Senate Banking Committee’s...

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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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