Jun 29, 2018

Start Accepting Same Day eChecks

Are you interested in Same Day eChecks? What are these? How do they work? How can you get the necessary payment processing solutions for your business fast and easily? Just read below and you’ll get a better idea. eChecks and Their Features eChecks can be described as the electronic versions of a traditional paper check. eChecks help you withdraw money...

Apr 24, 2018

ACH Processing – A Good Alternative to Credit Card Processing

Merchants looking for a more cost-effective way to process payments without fewer hassles should consider ACH processing. ACH payments are becoming more attractive to businesses due to affordability and convenience. Learn more about how ACH processing can benefit your business. The ACH Explained Automated Clearing House (ACH) is the network that connects every financial institution and bank within the United...

Apr 17, 2018

Small Businesses Using Same Day ACH: Costs and Advantages

Are you running a small business and using ACH transactions? Computerized payments are beneficial both for merchants and consumers. What is ACH? What is Same Day ACH? Just read this article and you’ll know. What You Should Know About ACH Payments The paper check system that consumers have long used evolved into ACH transfers. ACH payments can be described as...

Mar 16, 2018

What You Should Know About Real Time Payments (RTP)

The US noncash payments system continues to rapidly evolve. The shift from paper-based noncash payments has two major benefits: these new payments are much faster and can more economically transfer the data electronically. Are you interested in Real Time Payments? This article will help you get a better idea of RTP. The ACH and the Payments System We live in...

Feb 23, 2018

Learning the Ins and Outs of ACH Payment Processing

If your payroll gets directly deposited into your bank account, then you have interacted with the Automated Clearing House (ACH). Most people have used or been involved with ACH without realizing it. To understand ACH payment processing and how it works, you will need to understand what it is, which parties are involved, and how it could benefit your business....

Dec 15, 2017

ACH Successfully Launches Same-Day Debits Before Year’s End

Processing just got a little bit faster. Mid-September, it was announced that the nation’s automated clearing house network had launched same-day clearing and settlement for debit transactions. Same-day debits have been called “Phase 2” in NACHA’s faster-payments plan. Phase 1, same-day credits, was introduced a year ago, allowing users to move payments from their bank accounts to the accounts of...

Oct 18, 2017

ACH Payment Processing

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...

Sep 25, 2017

Is Faster ACH A Profitable Idea Or A Flop For Acquirers?

When there was the need for faster payment processing alternatives, Same-day Automated Clearing House came as one of the leading options. And it has been so to date, however, there’s the question of whether it is a perfect fit or not for acquirers. Despite ACH’s cheaper service fee compared to the use of credit cards, the existing discrepancy may not...

Aug 14, 2017

ACH Processing for Small Businesses | Enjoy the Benefits

ACH is the main network that processes most electronic financial transactions in the US. ACH payments are electronic payments completed through the Automated Clearing House (ACH) Network. They are a popular alternative to paper checks and credit card payments since they offer a number of benefits to merchants and consumers. The National Automated Clearinghouse Association (NACHA), the Electronic Payments Association...

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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 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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