Sep 18, 2018

The Ultimate PCI Compliance IT Cheat Sheet

What does Equifax, Yahoo, Target Stores, Adult Friend Finder, and JP Morgan Chase have in common? If you have been paying for the last few years, then you already know. These businesses experienced some of the most devastating data breaches that occurred during just the last five years. Data breaches happen every day. However, the extent of damage to business...

Dec 28, 2016

7 Points To Consider Before Partnering With A Payment Processor

As soon as the retailer accepts the transaction, the information has to be transmitted to a verified payment processor to be completed. A payment processor completes the transaction by sending data between the merchant, the merchant’s bank, the consumer’s card and their bank. A payment processor is the company providing the hardware at a storefront location. A payment processing partner...

Dec 21, 2016

New Threats And PCI Rules

The Payment Card Industry Data Security Standard (PCI DSS) turned 10 years old in September 2016. It has introduced a new 3.2 version of the industry standard that should be used by businesses to protect payment data before, during and after purchase. Now, businesses should take into consideration a large list of new requirements and clarifications. These will be regarded...

Sep 09, 2016

How Integrating Payments can lower PCI Burden

Any credit card merchant is bound by the Payment Card Industry (PCI) compliance regulations. As long as your business involves processing card payments, you are required to obey PCI compliance rules. The PCI SSC carries the requirements that help establish the standards and norms binding everyone involved in storing, processing, or transmitting cardholder data. PCI SSC compliance requirements therefore typically...

Jul 22, 2016

Payment Card Industry Data Security Standard Audit A Fire Drill?

Each year, companies face a fire drill when completing their Payment Card Industry Data Security Standard (PCI DSS) audit. What is more, companies have to complete the vulnerability scans that are required by PCI DSS. Why Do Companies Get into a Chaos? The reasons for a PCI compliance fire drill are as follows: First of all, companies are still manually...

Apr 09, 2015

Did Visa Pad Their PCI Numbers?

Do merchant acquirers pad their Payment Card Industry (PCI) numbers? A new Merchant Acquirers’ Committee study shows that PCI compliance numbers by many of the largest merchants in the United States are far lower than numbers reported by Visa Inc. The PCI Security Standards Council provides a long list of data-protection rules that merchants who utilize general credit and debit...

Mar 23, 2015

High Risk Merchants Struggle with PCI Compliance

The newest version of the Payment Card Industry data security standard (PCI-DSS) went into effect on January 1, 2014. This means that all merchants must comply with these standards by October of 2015. The changes in PCI DSS 3.0 are detailed on the PCI Security Standards Council Website, but there are three major changes going into effect that will influence...

Feb 13, 2014

Acquirer Survey Shows that Small-Merchant PCI Compliance Is on the Rise

A recent survey released by Atlanta-based security-solutions vendor ControlScan Inc. and the Merchant Acquirers’ Committee shows that acquirers and other independent sales organizations have been reporting greater compliance among small business merchants with a key data-security standard. Nearly 60 percent of ISOs and other processors report that compliance rates are up by more than 40 percent as shown in the...

Feb 06, 2014

The Benefits of Providing an Integrated PCI-Compliant Payment Solution in Your Software

Many businesses in the USA are turning to software that includes integrated, PCI-compliant payment solutions. Why? Because it is simpler, easier and involves much less hassle. Read below to find out why software with an integrated payment solution is highly likely to benefit your business. It is common knowledge that merchants need payment processing solutions that meet what is required...

Dec 20, 2013

Mobile Payment Security: PCI Compliance and You, the Merchant

The mobile app world is reaching beyond time-wasters at work and fitness tracking apps for the healthy-minded individual. We at eMerchantBroker.com recognize the power of apps is now entering the world of commercial retail as consumers now have apps that enable them to make credit payments using their iPhones, tablets, and Androids. As a merchant, it’s vital to offer as...

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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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