Apr 12, 2021

U.K. Regulator Addresses Banks Not Reimbursing Fraud Victims

Authorised Push Payment (APP) Scams occur when an individual or a business is deceived into sending money directly to a fraudster impersonating a legitimate payee. The results are disastrous for those ingenious people who fall prey to them. Based on findings by UK Finance, it found a total of 66, 247 cases of APP fraud reported in the first part...

Mar 26, 2021

Flaws With Fraud “Proof of Concept” And A Likely Remedy

When it comes to choosing the best and most effective fraud solution for your business,  you must determine your unique business needs first before you seek out a solution. Once you have done that, a trial needs to be performed in order to see how it interacts with your data. The only way to judge how that solution “performs” is...

Aug 26, 2020

How to Choose a Payment Processor for Your Business

A payment processor you choose for your eCommerce business plays a vitally important role.  Today’s processors offer various merchant processing capabilities, so you should research well to find the best fit for your business. This article will help you choose a payment processor to grow your business with success. How to Choose a Payment Processor When choosing a payment processor...

Aug 26, 2020

The Pandemic Effect: Growth Opportunities & Challenges facing the Dating Industry

More and more people are turning to online dating sites amid a pandemic thanks to the lockdowns and stay-indoor rules. In mid-March, websites like Dating.com announce in a Press Release in PRNewswire.com that it had recorded a surge in the number of new signups at the start of the month. But more new customers often come with excessive chargebacks, fraud and...

Aug 25, 2020

Quick & Secure eCommerce Payment Processing with Credit Cards

Collecting customer payments come with hidden security risks that an ecommerce business cannot ignore. Processing credit card payments can improve security and change how you take money from customers. Because you won’t be doing every bit of the transaction process alone, partnering with the right service provider further tightens payment security levels. How Credit Card Processing Augments Your Payment Process...

Aug 22, 2020

High Risk Merchant Accounts & Credit Card Processing

If your business is associated with a degree of risk, you need to obtain a high risk merchant account. This means you need to apply for a certain type of business bank account from a reputable high risk merchant processor. Let’s dig deeper into the topic and see who can help you with secure and low cost merchant processing services....

Aug 21, 2020

8 Deadly Mistakes People Make When Building an E-Commerce Site

Risk assessment should be part of your everyday life if you want to be a successful business owner. And the process should be well thought out when setting up an e-commerce store. You want to identify all potential dangers and loopholes early to prepare adequately. Still, risk assessment is a never-ending process. Why? Because the e-commerce business environment is ever-evolving....

Aug 17, 2020

High Risk Payment Processing for Top High-Risk Merchant Industries

For businesses considered to be high-risk, the road ahead can be a real struggle. When a businesses receives this label, it makes it incredibly difficult to secure the merchant services and business funding needed to operate smoothly and grow. There are many reasons why a business might fall under the high-risk category. The following list includes the most common reasons:...

Aug 12, 2020

What Is A Payment Gateway And How Does It Work?

Online transactions have become the fastest and most advantageous way for its users to settle their payments. Thanks to the Internet, customers can be reached globally and therefore users can both buy and sell throughout the world.  The trickiest aspect of online purchases is that they are notoriously difficult to verify and can even be made in anonymity. In order...

Aug 12, 2020

Top 10 High-Risk Merchant Account Industries

Some of the typical reasons why underwriters could flag your business as high risk could be the following: your business belongs to a highly regulated industry, processing CNP or card-not-present transactions, high incidences of fraud and chargebacks, and reputational risk according to banks, just to name a few.  Top 10 High Risk Merchant Account Industries Below is a list of...

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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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