Jul 25, 2019

Installment-Payment APIs Now Part of Visa’s Business

In a move to better align itself with its fiercest competitor, Visa Inc. has announced that it will get into the installment-payment APIs market. The announcement came shortly after Mastercard Inc. told the world it bought Austin, Texas-based point-of-sale credit financial technology company, Vyze Inc. and as the product gets more popular due to options offered from non-banks, like Affirm...

Jul 15, 2019

Visa Aims to Combat Rising Chargebacks By Buying Verifi

Visa will buy the Los Angeles-based Verifi, which offers tools that help merchants, acquirers, and issuers to resolve chargebacks. This is especially impactful considering rising chargebacks in the industry. Though the terms of the acquisition were not announced, Visa said it will integrate Verifi’s technology with the risk-management offerings from CyberSource and Cardinal Commerce. Visa acquired CyberSource in 2010 and...

Jun 25, 2019

Faster, Real-Time Payments Don’t Get Everyone Excited

Last month, Visa acquired control of Earthport plc, which will enable account-to-account transfers. London-based Earthport is one of the largest ACH networks in the world and allows Visa to expand real-time payment capabilities to the public. Visa acquired Earthport for $320.4 million after a fierce bidding battle with competitor, MasterCard. The acquisition connects Visa to ACH and real-time networks in...

Mar 29, 2019

What Does Kroger’s Latest Ban on Visa Credit Cards Mean for Consumers?

Recently, Cincinnati-based Kroger Co. announced that due to exorbitant acceptance fees it will cease accepting Visa credit cards at its Smith’s Food & Drug Stores chain, effective April 3. That means consumers that shop at any of its 134 stores located in seven Western states will have to use cash, one of the other major credit card brands, or use...

Jul 24, 2017

Visa and Mastercard | Reciprocal Tokenization

Visa and MasterCard are teaming up to make electronic payments safer. More than 6 months ago, Visa Inc. and Mastercard Inc. announced reciprocal access to one another’s tokenization engines. Reciprocal Tokenization Agreement  MasterCard and Visa released a statement, according to which the reciprocal tokenization agreement allows Visa to request tokenized MasterCard payment credentials from MasterCard for provisioning into Visa Checkout,...

Sep 23, 2015

Debit Networks Mimicking The Fixed Acquirer Network Fee (FANF), Here’s how

It is no longer a secret that some of the country’s major PIN-debit networks have over the past couple of years quietly incorporated so-called participation fees that are assessed for every merchant location along the network. The progenitor of the fees, according to a veteran market observer, is Visa’s FANF, first instituted in 2012. The Fixed Acquirer Network Fee (FANF)...

Apr 09, 2015

Did Visa Pad Their PCI Numbers?

Do merchant acquirers pad their Payment Card Industry (PCI) numbers? A new Merchant Acquirers’ Committee study shows that PCI compliance numbers by many of the largest merchants in the United States are far lower than numbers reported by Visa Inc. The PCI Security Standards Council provides a long list of data-protection rules that merchants who utilize general credit and debit...

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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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