Jul 29, 2020

What Is A Recurring Payment? Do’s And Don’ts For Success

The e-Commerce subscription model has exploded in popularity in the past few years. So much that Hitwise, an online competitive intelligence service, conducted a study and found that the number of visits to these types of retailers saw an increase of 3,000 percent between the years 2013 and 2016. With staggering numbers like this, it’s no wonder that more businesses...

Jul 24, 2020

Online Financial Firms In Demand Among High-Risk Businesses

High risk businesses have plenty of challenges when opening up their business. There are regulations to adhere to, they need to protect themselves from chargebacks and fraud, and they need to find a reliable merchant account provider, when most traditional banks and processors will not give them the time of day. The good thing about our modern times is that...

Jul 02, 2020

EMB Fraud Protection – Feel Empowered, Fight Back

In 2018, the highly anticipated “True Cost of Fraud Study for the Retail Sector by LexisNexis® Risk Solutions, was released, revealing the true challenges that fraud is posing for retailers nationwide.  Some of the fastest growing incidents of fraud keep stemming from card-not-present and mCommerce fraud. The 2018 study also demonstrated that losses due to fraud were up 6% from...

Aug 01, 2017

Five Ways To Protect Your Business From E-commerce Fraud

According to American Express, 60 percent of internet-based retailers reported experiencing some form of fraud in 2016; a 25 percent jump from the previous year’s records. With the threat growing at such an alarming rate, the need to protect your business has never been more pressing. Here are five ways to keep your online enterprise from becoming an easy target...

Oct 13, 2015

Merchants That Accept CNP Need Fraud Protection

As the United States undergoes a transition from magnetic strip credit cards to EMV chipped cards, online retailers and credit card companies are gearing up for a spike in e-commerce fraud. EMV is a standard that has been in effect in most of Europe for years. In EMV, a small micro-chip is placed on the face of the credit or...

Jun 01, 2015

Encryption May be Better than EMV for Fraud Protection

The U.S. is the last major market to embrace the new chip technology. All other major markets have been implementing chip card technology over the past ten years. In fact, if you’ve recently traveled overseas, you might have noticed that your standard American magnetic-strip cards are an inconvenience since Europe, Asia, Canada, Mexico and even Brazil have already moved to...

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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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