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...

Dec 22, 2016

Though Chip Cards Are Still Slow, They Protect You From Fraud

One year has passed since EMV technology arrived in the US credit card market. Chip cards are designed to make transactions safer and they really do this. According to a NerdWallet survey, the majority of consumers approve the EMV liability shift in the US. Happy Birthday EMV MasterCard reports 88% of its credit cards are chip-ready, but 67% of all...

Mar 20, 2015

Are EMV Chip Cards Only for the Wealthy?

According to recent reports, wealthy people are three times more likely to receive EMV chipped debits and credit cards than lower income individuals. CreditCards.com suggests that the gap exists in large part due to the way banks have chosen to roll out the new cards. But will this method put lower income card owners at risk? Some credit experts say...

Oct 22, 2014

Tokenization Specifications Reveal the Plans for Mobile Payments | Adult Processing from EMB

The long awaited first version of the EMV Payment Tokenization Specification is now available from EMVCo. The report describes how MasterCard, Discover, JCB, Visa, American Express, and UnionPay transactions will safely occur via mobile phone. The framework attempts to lay rest to some of the security and technological concerns that many have about consumer information transferring between their mobile devices and...

Jun 10, 2014

How the Chip and PIN Movement Helps your Small Business

Many are fretting over the upcoming change to chip and PIN debit cards. However, there are equally as many people who are excited. These changes are not only good for the plastic card industry, but also for merchants. This change is coming and your high risk business should be ready. High risk businesses are less likely to be as prepared...

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...

Jun 05, 2014

Target Selects MasterCard for Its New Chip Card and at POS

Target Corp., the second largest general retailer in the United States, has announced that it will accelerate chip-and-PIN payment card technology in its stores. The retailer plans to move its Redcard credit and debit card portfolio to cards that operate with MasterCard Inc.’s chip-and-pin technology, though many cards will not necessarily have the MasterCard brand. The company will install chip-compatible...

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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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