May 09, 2014

Target’s CEO Steinhafel Steps Down following the 2013 Data Breach

Target has been left with many choices to make after the data breach that occurred in the three weeks surrounding the holiday shopping season of 2013. As many as 40 million customers were compromised when their payment card accounts were hacked. According to an article by the Los Angeles Times, “The company later said that hackers had illegally accessed personal...

Mar 14, 2014

Two New Attacks on Credit Card Information

Business owners and Customers show little concern Perhaps the most noticeable fallout from Target’s massive credit card security breach last year is how little impact it had on small business owners. Data protection, a recent poll reveals, is still on the back burner for small business owners—who have barely any interest regarding the Europay-MasterCard-Visa (EMV) chips that are reputed to...

Jan 29, 2014

Six U.S. Merchants under Attack

It has recently been exposed by a cybercrime firm that six additional attacks on U.S. merchants have been made using the same software that was used in the Target Corp data theft. The merchant’s credit card processing systems are how the information has been stolen. The theft was brought to the attention to law enforcement as well as Visa Inc....

Jan 24, 2014

Legal Fallout Continues for Target Following Massive Security Breach

Target is still dealing with the aftermath of the massive security branch the retail giant suffered during the 2013 holiday session. A computer security breach exposed credit and debit card information for 40 million Target customers during a one week period in November and December 2013. The breach occurred during the peak holiday shopping period. Sensitive information for millions of...

Jan 24, 2014

Credit Card Hack Goes Beyond Target

The recent breach that affected nearly 70 million Target customers was ultimately based out of Russia. A cybersecurity firm called iSight conducted an investigation and determined the source originated from Russia. The iSight report also pinpointed that a high degree of skill was displayed as a handful of other retailers were affected as well. High risk credit card processing was...

Jan 17, 2014

Target Breach Reporting – Why Is It So Important?

Target Brands Inc.’s recent high-profile data breach has certainly sparked lots of attention from both the press and the general public. The controversial breach occurred at its stores during 2013’s holiday shopping season, from November 27th until December 15th. It is reported that over a staggering 70 million customers were victims of the breach, having the vast majority of 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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