Jan 30, 2015

2014: The Year of the Data Breach

Data breaches have continually been in the news over the last year. From Target to Neiman Marcus, consumers have been flooded with reports of their sensitive information being compromised. When Target’s POS system was hacked, it instigated consumer rage and a series of Congressional hearings investigating weaknesses in data security. Now in the wake of the most recent Home Depot...

Dec 29, 2014

Target & Home Depot Are Still Suffering From 2013’s Data Breaches

The holiday season brought a reminder of last year’s issues with data breaches. While it was thought that the big-box retailers were always safe, 2013 showed us that they were just as vulnerable as everyone else. These breaches affected Target, Neiman Marcus, Panda Express, and later, Home Depot, among others. While consumers tend to trust the big-box retailers more than...

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...

Mar 27, 2014

Outsmarting Cyber Criminals

Cyber criminals and data hackers are constantly finding new ways to defeat retailers’ data security and fraud prevention systems. Sometimes these criminals come in a swipe thousands of dollars at once, or just a few dollars. Regardless of the amount stolen, the fact is that it should not happen. However, there are new technologies on the horizon to help stop...

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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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