Boost Profits with EMB Electronic Check Processing

Oct 08, 2015

Are you a merchant searching for a payment processor that will actually increase your profits and customer base? There are online payment processors that can provide electronic check processing to speed up transactions and give your customers access to faster, more convenient methods of paying. This is especially important as consumers get accustomed to paying with alternative methods.  A recent IDC report projects that by 2017, smartphone users will spend more than $90 billion on mobile payments. But this is just one type of payment option future consumers will have. To take advantage of the payment processing revolution, merchants must find professional payment processors who can deliver these top notch services. is a full service payment processor that provides multiple payment options that are convenient and easy for merchant customers. iCheck makes electronic check processing facilitate multiple types of checks, and is ideal for multiple sales environments. Checks can even be accepted at POS without the customer being present. iCheck has tons of profit growing benefits like:

  • Guaranteed funding.
  • Free online activity monitoring
  • Fast electronic deposit of funds, in as little as 24 hours.
  • App feature that lets users take photos of checks for payment
  • No need for consumer notification or receipt.
  • No check writer authorization requirement.

Checks-by-Web allow customers to buy goods online without a debit or credit card. Checks-by-Web uses banking account information (bank & routing numbers) instead of a debit or credit card.

Check-by-phone service lets merchants process checks over the phone. EMB also offers paper guarantee; this means that customers will have the ability to accept and process paper checks without risks. This service is perfect for merchants who provide utility services like water, insurance offices, call centers, phone, etc.

EMB Solutions Provide:

  • No set up fees for most merchants.
  • Fast approvals in 24 – 48 hours.
  • High volume solutions: load balancing gateways and multiple MIDS.
  • Chargeback protection & chargeback prevention programs available.
  • High Risk merchants approved. is a full service provider that offers electronic check processing for all types of merchants. The account managers of EMB can get you the check processing payment solutions that most traditional payment processors won’t have access to or will deny you. Start your account today.

Let us help you get a high risk merchant account today!

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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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