Dec 26, 2017

Online Sellers Hit All Time Records on Cyber Monday 2017

Cyber Monday was the biggest online shopping day in U.S. history. According to Adobe, the grand total was an estimated $6.6 billion in sales, representing a 17 percent increase over last year. In comparison, Black Friday and Thanksgiving Day generated $5 billion and $2.9 billion in online sales, respectively. The top Cyber Monday sellers included: Nintendo Switch, Apple AirPods, Google...

Dec 08, 2017

Three Cutting-edge Trends in E-commerce and What They Mean For Credit Card Fraud Prevention

The way we do business is gradually shifting towards fast, simple and convenient methods. While this is undoubtedly good for merchants and shoppers alike, it has also introduced new challenges regarding security and fraud. Here are three trends in e-commerce, and how they’re influencing the raging fight against online fraud. Instant Gratification These days, the one thing shoppers can’t tolerate...

Aug 04, 2017

Three Cutting-edge Trends in E-commerce and What They Mean For Credit Card Fraud Prevention

The way we do business is gradually shifting towards fast, simple and convenient methods. While this is undoubtedly good for merchants and shoppers alike, it has also introduced new challenges regarding security and fraud. Here are three trends in e-commerce, and how they’re influencing the raging fight against online fraud. Instant Gratification These days, the one thing shoppers can’t tolerate...

Jul 28, 2017

Consumer Attitudes About Ecommerce Security

In 2016, 15.4 million Americans were hit by online financial fraud, which was a 16% increase to $16 billion in stolen money. The fact that there was $1-billion climb from 2015 indicates that this type of fraud isn’t going to disappear soon, especially with the surging popularity of online shopping. What Do Numbers Show? According to pymnts.com, ecommerce fraud has...

May 10, 2017

How to Give Your E-Commerce Website an Edge

Starting a brand new e-commerce website can be an exhilarating and thrilling experience for any ambitious entrepreneur. It’s also something, however, that comes with many expectations. If you want your new e-commerce site to be a big hit, these useful and practical tips can get it moving in the right direction. Take Your Time Steer clear of the rather common...

Apr 13, 2017

Recent Report On Mobile Payments And Cross-Border E-Commerce

According to a global survey of 2.300 companies and consumers, fast-growing companies are more likely to embrace and accept mobile payments than those companies that experience slower growth. 43% of companies whose profits are growing by at least 11% offer a mobile app that supports payments. The same can be said about 34% of companies that have slower profit growth....

Apr 07, 2017

Ecommerce Retailers Face 29% More Cost Of Breach Since 2013

E-commerce merchants are increasingly suffering from network security and fraud. Their websites are daily attacked by fraudsters and their networks suffer from the hacks from which fraudsters acquire stolen information.  These data breaches are becoming more and more costly. Fighting Fraud Merchants can take some security measures to cut the costs associated with network intrusion. One of these measures is...

Mar 27, 2017

The Impact of Value-Added Services On The Payment Gateways

With e-commerce becoming more globalized, merchants are looking for opportunities to benefit from the process and partner with a payment gateway. Value-added Services for Global Payment Gateways Value-added services are important for global payment gateways. When it comes to merchants who extend their reach to other countries, they get support from payment service providers. Merchants are offered front-end processing and...

Feb 20, 2017

How to Build a Successful E-commerce Website

If you’re thinking of starting a business, the internet is a vast sea of customers waiting for you to take a dive. Unfortunately, launching an online store from scratch is never easy. Of course, you could get someone to build the site for you, but then comes the issue of marketing and getting some customers. Nevertheless, the tips below can...

Dec 28, 2016

How Chargebacks Can Affect Your Online Business

Chargebacks can be described as disputes. Various issues can cause consumers to dispute the transaction. So a chargeback may be caused by a damaged product, or the customer may not have ordered the right thing based on the description of the product. Stolen cards and fraud can be another reason for a chargeback dispute. In such cases, customers contact their...

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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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