Mar 30, 2018

Ways to Use eContracts to Dramatically Lower Chargebacks

An electronic contract, or as a millennial would call it, eContract is a contract a merchant sends to a buyer electronically, more like AdobeSign. You don’t want to miss out on the many benefits of this service. Having a shopper sign an eContract before releasing a product or offering a service can help explain the product or service, increase merchant...

Dec 21, 2017

AI Fighting Fraud and Winning

It’s estimated that Americans lose approximately $50 billion a year to financial scams, and there are indirect costs like bounced checks, late fees, trouble meeting monthly expenses and even bankruptcy. So, it’s no stretch to say that fraud also results in emotional costs, which are, in fact high. 50% of victims report having felt severe stress, and over 1/3 report...

Dec 11, 2017

Five Useful Tips to Reduce Online Chargebacks Over the Holidays

The holiday season is usually as hectic as it is jolly for retailers. Sales generated during the holidays contribute to the bulk of a merchant’s annual revenue. On the other hand, the sky-rocketing demand usually leaves businesses gasping for air. And, as if managing and satisfying deal-hungry customers isn’t overwhelming enough, there’s also the many cases of fraud and chargeback...

Aug 18, 2017

Four Effective Ways To Protect Your Online Business From Card-Not-Present Fraud

Online payments are classified as card-not-present (CNP) transactions because a customer doesn’t physically present the card when making a purchase. Although remote sales are convenient for both the buyer and seller, their anonymity makes them significantly more susceptible to fraud than card-present payments. Whether you run an established firm or a cash-strapped startup, e-commerce fraud is a disruptive waste of...

Jul 28, 2017

Card Testing Merchants, Chargebacks and False Positives

Card testing occurs in those cases when a fraudster uses a merchant’s website to “test” stolen credit card information to figure out whether the card is valid. Fraudsters can buy lists of credit card numbers online on the “Dark Web” without paying much money for them. The problem is that often they don’t know if the cards they’re buying are...

Oct 28, 2016

EC Investigation Leads to New Regulations on Geo-Blocking

According to a new report by the European Commission, two-thirds of European digital content providers are blocking cross-border online sales into certain other EU member states. It was also estimated that 40 percent of physical goods retailers engage in this practice as well. What is geo-blocking? Geo-blocking is the practice of either blocking access to websites from customers that are...

Oct 13, 2016

Payment Options for Businesses Declared High Risk |Merchant Chargeback Protection

“Chargeback”. That dreaded word that every merchant hates. Whether you sell e-cigarettes or DVDs, you know that terms and hate it. It is the end-all of many merchants, unfortunately, but it doesn’t have to be. Chargebacks cost you extra funds, and at times even your merchant account, leaving you without any way to process checks and plastic payment cards. You...

Aug 12, 2016

Unmatched Tools For High Risk Merchant Chargeback Protection

Merchants start dealing with chargebacks the moment a customer files a dispute with his/her bank with regard to credit/debit card transactions. Very often, merchants are left out of the dispute process because customers do not usually let merchants know about disputes. Unfortunately, this attitude is on the rise: in 58% of instances, merchants do not get notification at all. This...

Apr 14, 2016

5 Ways to Protect Your Business from Chargebacks

Chargebacks can be crippling to any business. Right now, merchants are fighting an increase in fraud as the EMV liability shift sets in. Still there are some proactive measurements that merchants can take to avoid or fight unfair chargebacks. The following are the 5 top ways to protect your business from fraudulent chargebacks. Use Credit Card Processor Protocol. Be sure...

Apr 01, 2016

How Merchant Chargeback Protection Can Protect You from Fraud

Every merchant needs to worry about their fraud risk. While many think that fraud happens to online businesses, the reality is that every merchant that accepts plastic card payments is at risk. Some believe that checking a photo ID can help, and it can, it does not protect you 100% from scammers. The ultimate protection comes from a close source:...

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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 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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