ACH Payment Processing

Oct 18, 2017

ACH payments are electronic payments. They’re created when the customer gives an originating institution, corporation, or other customer (originator) authorization to debit directly from the customer’s checking or savings account for the purpose of bill payment. Authorization must be in accord with the requirements of the ACH Operating Rules. It must be either written and signed, or electronically displayed.

ACH Payments

ACH payments are an efficient and cost-effective alternative to paper checks and credit cards. On the Internet, ACH is primarily used for person-to-person (P2P), business-to-customer (B2C), and business-to-business (B2B) payments.

Common uses of ACH Payment Processing include:

  • A customer pays a service provider
  • An employer deposits money to an employee’s account
  • A consumer moves funds from one bank to another
  • A business pays a supplier for products

Benefits of ACH Payments

  • Your customers get an alternative to credit cards and checks
  • Lower-cost payment as compared to checks or credit cards
  • Faster payments as compared to checks

Merchants on the lookout for reputable check processing companies should consider applying to With EMB, you can easily get approved for reliable and low-cost ACH payment processing., the #1 high risk credit card processing company in the US, is rated A+ by the BBB and A by Card Payment Options. EMB is among Inc. 500’s Fastest Growing Companies of 2016. will help you accept more payments, retain customers, and simplify online shopping.

ACH Payment Processing

Based on the statistics released by NACHA, the Electronic Payments Association, ACH volume reached over 25 billion payments and $43 trillion in value in 2016, which was an increase of 5.3% over 2015 volume.

This is the 3rd consecutive year in which volume increased by a billion transactions or more over 2016. $43.7 trillion was transferred over the ACH network in 2016, accounting for an increase of 5.1% compared to 2015.

Same Day ACH was responsible for over 13 million credit transactions, making up about $17 billion. In 2016, the ACH network processed nearly 12 billion debit transactions, thus accounting for 58% of overall ACH network volume.

In addition to WEB credits, WEB debits, increased as well. In 2016, the ACH network transferred 4.6 billion WEB debits or online transactions, resulting in an increase of 12.7% over 2015. Together, WEB credits and WEB debits represent 23% of overall ACH network volume.

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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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