Jun 09, 2017

Why You Need Chargeback Protection

No matter you’re a subscription-based business or e-commerce store, chargebacks can create major problems for your business. E-commerce business owners consider credit card chargebacks awful. However, if you prepare ahead of time and use a reliable chargeback prevention system, a chargeback will never hurt your business and can be prevented easily. What Are Chargebacks? A chargeback begins when a customer...

Jul 20, 2015

Five Helpful Tips to Keep Away from Becoming a Fraud Victim

No one wants to a victim of fraud. Unfortunately, no one knows what lays ahead either. If you want to be safe, you just need to watch out and do all you can to keep way from the bad guys. You need to watch every step you make. Here are five ways to avoid being a victim of fraud; Understand...

May 22, 2015

Merchants, You Need Chargeback Insurance!

There are plenty of things that businesses can do without. From uber-fancy display cases to expensive (but not logical) equipment, there is always something that you think you need, but really do not. Things like this can put a business into a financial mess, and this fear and leave all merchants fearful of investing in anything new. While somethings are...

Jun 10, 2014

How to Keep Chargebacks Away with Chargeback Insurance

Chargebacks are an often occurrence in any type of online business; however they do affect high risk businesses more frequently. Chargebacks can cause havoc for any business, as the majority of the time chargebacks are not reported to the business until funds are taken from the business. Chargebacks can create up to 270% of lost money on a chargeback. This...

Jun 09, 2014

Top 5 Ways to Combat Chargebacks

From Calling to Chargeback Insurance: How to Keep Chargebacks Away Chargebacks from fraudulent transactions can hinder your business. These often come as surprises to merchants, as many times the customer’s bank does not alert the merchant to the problem. However, there ways to help protect your business from chargebacks, from questioning odd transactions to investing in chargeback insurance, and they...

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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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