Jan 20, 2016

What Merchant Chargeback Protection Can Offer You

What is merchant chargeback protection, and can it solve your chargeback problems? Even if you have the best chargeback management plan, there will always be unauthorized transactions that slip through. If you have noticed that these fraudulent transactions are beginning to affect your bottom line, it might be time for you to consider what chargeback protection can offer you. Before...

Jan 18, 2016

Stop These 3 Most Common Types of Chargebacks: Merchant Chargeback Protection

Chargebacks can kill the profits of small businesses. Chargebacks happen when a customer claims that an unauthorized transaction has occurred. This often robs merchants of the sale by refunding the customer and charging the merchant a costly fee. In fact, some merchants can lose up to $270 in fees for every $100 in chargebacks. Chargebacks can be prevented by merchants...

Nov 12, 2014

You Can Be in Control of Your Financial Destiny with Chargeback Insurance

You are well aware that you are a high risk merchant. And more than likely you are also aware that you chose an industry that sees more than its share of chargebacks. This is what has earned you a high risk rating. How the card associations rank certain industries is out of your control, but you can control your high...

Jan 29, 2014

Chargebacks: The Basics and How to Prevent Them

A chargeback can be a detriment to any customer that has to experience it. An overdrawn bank account can lead to cash flow complications and various financial problems. A credit card chargeback can be efficiently reversed by filing a particular complaint. Some of the different complaints that can be filed include fraudulence, erroneous billing and identity theft. When a complaint...

Dec 17, 2013

Stop Chargebacks with the Cardholder Dispute Resolution Network

Chargebacks Harm Your Bottom Line A chargeback is when a customer reverses the transfer of funds from their accounts to your business due to a dispute regarding the transaction. Whether the product or delivery was faulty, there was a processing problem, or even occasionally fraudulent purchases, chargebacks are a costly issue that can cost a business large quantities of money...

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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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