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...

Nov 19, 2013

PCI Security Standards Council reveal global standard version 3.0

As we wonder through our day we never really have thoughts that transfer over concern until our cards have been breached and our information has been taken. Councils that we don’t think of either; are on the look-out twenty four hours a day, for security issues that would make your hair stand on end. If you are in the market...

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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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