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...

Apr 14, 2014

Target Corp. faces Examination and Lawsuits after Hacking Incident

After 40 million cards were affected in the Target hacking incident that occurred in the weeks following Thanksgiving 2013, two banks have stepped forward and sued Target Corp. These two banks, New York City-based Trustmark National Bank and Houston-based Green Bank N.A., have also sued Trustwave. Trustwave Holdings Inc. is a data-security services provider that Target outsourced its data security...

Apr 04, 2014

Lawsuits Pile on for Target and their PCI after Data Breach

Trustwave Holdings Inc., the leading provider of Payment Card Industry data-security standard (PCI) services to merchants, has become the target of a lawsuit rising from the massive data breach at Target. The suit, filed in U.S. District Court in Chicago by two banks, claims negligence on the part of Target and Trustwave for their alleged failure to prevent customer data...

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...

Dec 19, 2013

Target Debit Card Information Breach

One of the biggest news stories of the 2013 holiday season is the Target information breach that occurred between Black Friday and December 15th, unfortunately cybercrime and credit card security breaches increase during the holiday season as reported by ThreatMetrix in their latest investigation. Reports from Target are that information from nearly 40 million debit card credit cards were hacked...

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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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