Jun 05, 2014

ACH Payments in Real-Time on the Horizon

ACH payments are vital forms of debit payment. ACH (Automated Clearing House) is a network that processes electronic financial transactions in the United States. The system is safe, reliable and secure. It allows one-time or recurring debits from a customers’ checking account. The main problem with the system is the processing time.   The way the system works is that...

Apr 19, 2014

ACH and TCH Exploring Expansion of Tokenized ACH Check Processing Security

The Clearing House Payments Co. LLC is exploring implementing a token system to help protect sensitive consumer information for all automated clearing house transactions. TCH is already utilizing a tokenized credit card numbers and is seeking to expand that system in the wake of so many security breaches in the past six months. Credit card security came under immense scrutiny...

Sep 19, 2013

ACH E-Check Processing for Adult Websites

Before you blush, remember it takes all kinds to make this world go around. Saying that brings us into the eCheck processing for adult websites. Needing many options for different venues and programs that the sites run, the merchant accounts have gone the extra mile to make sure they have what it takes to work with a high risk account....

Sep 04, 2012

High Risk ACH Check Processing from eMerchantBroker

High risk ACH check processing accounts are not as hard to come by as you might think. Many businesses who seek the benefits of automated clearing house processing struggle with the strict rules and high set-up fees many banks apply to high risk industries. First of all, let’s take a look at what ACH check processing is and how it...

Mar 01, 2012

Compare ACH Check Processing Rates Online

How to find the best ACH check processing program? Compare Online Are you looking for the lowest rate check processing? Do you need to accept checks online or over the phone, but need to compare the rates and fees of providers? eMerchantBroker.com has dozens of check processing companies in our network, all with an A+ rating and all backed by...

Feb 29, 2012

ACH Processing for High Risk Online Merchants

Accept Checks online or Over the Phone: High Risk Merchants At eMerchantBroker.com we specialize in helping online businesses accept checks online or over the phone. You can accept checks from your customers through your website, or over the phone. You can process one time payments or set up recurring ACH debits to come out of your customers checking account. If...

Award winning.

  • 2012
  • 2013
  • 2014
  • 2015
  • 2016

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.

Live Chat