Apr 18, 2016

New EMV Rules Leading to Spike in Chargebacks

The fight to end fraud has unearthed a familiar enemy. Since the implementation of EMV chip card technology, there has been a spike in card-present chargebacks. Merchant-service providers are noticing this troubling trend across the country. Chargebacks for card-present transactions have jumped by 50% since the Oct. 1 EMV liability shift. The exact reason for the increase is unknown, but...

Dec 15, 2015


“In the middle of difficulty lies opportunity.” –  Albert Einstein The US EMV chip card statistics for October 2015 has recently been announced by Visa Inc. The first month’s data concerning EMV liability shift for POS or point-of-sale transactions shows EMV has growing success. Current Market According to a spokesperson for The Foster City, a card network based in CA,...

Jun 23, 2015

Many are Declaring the Chip-and-Signature as ‘Worthless’

Cyber attacks continue to be a major problem for U.S. companies. The majority of other countries have already implemented the chip-and-PIN or EMV-enabled cards while others are in the process of doing so. This new method promises to have a big impact in the prevention of cyber attacks. The U.S., however, is far behind. According to an article by Forbes...

Apr 22, 2015

Only 17 Months Until EMV Technology Hits

17 months seems like a long time. However, we all know that time can fly by quickly, so you need to make sure you are prepared. While you, the merchant, can be prepared, and your customers can be prepared, if your alcohol sales merchant account provider prepared? I hope that everyone will be prepared next fall when the EMV changes...

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

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...

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....

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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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