ACH Debit

Safe, Secure, and Fast

First, the business or individual consumer provides authorization through mail order, fax, or face-to-face. Transaction information is then uploaded to the processor either via payment gateway, a virtual terminal or a batch file transmission. After this, the funds are electronically debited from the client’s checking account. Once this has cleared, the funds are deposited into the merchant’s account within 7 business days.

The requirements to set up your ACH Debit are fairly simple. You will need a completed ACH Debit Service Agreement & Merchant Information form, a voided check from the merchant, your bank statement from last month, and a copy of a Merchant Business License.

Could I be prohibited from setting up ACH Debit?

eMerchantBroker does provide an ‘Unacceptable Merchant List’ for check services, and it’s important for merchants to take a look at this before attempting to set up their ACH Debit.

Call 1-800-621-4893 or fill out the form to get started now!

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No matter your device, platform, product or service, applying is a painlessly quick experience and can be finished in minutes. So what are you waiting for? Stop delaying and start selling today!

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We've built a platform that works for you. We're continuing to add new features daily, and expanding to meet the needs and requests of our customers.

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We have some of the best support in the business. We can be reached anytime of day, and will help you through any hurdles you might encounter. Need help? Call Us.

Quick And Painless

Signing up is fast, easy, and secure. Our Application process can be completed in just a few minutes, and you'll hear back from us within 24-48 hours, sometimes sooner!

What are the Benefits?

No set-up fees, a low-cost payment process, elimination of banking fees and paper check handling costs, fast electronic transfer of funds within 7 business days, and the simple fact that we support a range of users and locations.

Can I Use ACH Debit?

ACH Debit currently serves these markets: membership organizations, bill payments, business-to-business, medical, government, educational, utilities, insurance, day care, health clubs, not-for-profit, wholesalers, suppliers, and a variety of others.

The Automated Clearing House

What is ACH?

ACH is the main network that processes the majority of electronic financial transactions in the United States.

Safe & Secure

ACH Debit allows merchants to set-up legitimate debits that are drawn from a customer’s checking account.


The ACH Debit program enables merchants to schedule debits for a one-time occurrence, or on a regular, recurring basis.


The nature of ACH Debit means that it is one of the most reliable ways to collect funds from your customers.

Anymore Questions?

We understand you have specific requirements. If we haven't answered all your questions here, give us a call or write us an email. We're happy to help.

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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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