Jul 26, 2022

Adult Merchants Can Increase Sales With ACH Payments

The adult entertainment industry has seen dramatic growth, especially during the pandemic, as most citizens worldwide were required to stay home, self-quarantine, and practice social distancing.  This trend is anticipated to continue its growth in the coming years, giving the adult entertainment industry a favorable opportunity for further development.  However, adult industry merchants are notoriously marginalized when it comes to...

Jan 11, 2022

ACH VS. Checks – Which Is Right For Your Business?

ACH payments and checks are some of the most widely used payment methods. The use of checks is one of the most convenient ways to collect large sums of funds from clients and customers.  ACH payments are another convenient way to accept funds for large purchases as well. So what is the difference between ACH and check payments? Read on...

Dec 02, 2021

Same Day ACH Is Gaining Traction Towards Faster Payments

As a bank customer, it is difficult to fully understand how the everyday transactions we have come to depend on can move so rapidly and affordably. Most of us don’t even seem to think twice about what really goes on behind the scenes within the financial system.  What does happen behind the scenes is that billions of dollars move stealthily...

Jan 10, 2020

Setting Up ACH Payment Processing For Your Business

ACH stands for Automated Clearing House and is a simple method by which funds can electronically be transferred from one account to another in the US. Its functions are overseen by both the federal government and the National Automated Clearing House Association (NACHA) to ensure that rules are up-to-date and sensitive payment information stays secure. ACH payment processing can give...

Oct 30, 2019

Political Contention Over Fed’s Faster Payments

The Federal Reserve announced at the beginning of August that they are planning to build a real-time payment platform. This would address concerns from smaller financial institutions that are hesitant to buy services from The Clearing House (TCH), which is run by the nation’s largest banks and is currently the only network that provides services for all channels. By providing...

Oct 29, 2019

Fed Entering The Real-Time Payments Market With FedNow

The Federal Reserve announced that the Federal Reserve banks will create a new “round-the-clock real-time payment and settlement service” called the FedNow service to provide faster payments within the U.S. It is expected to launch by 2023 or 2024. It will begin by offering support for transfers of up to $25,000. The Federal Reserve holds the belief that faster payment...

Jul 10, 2019

Number of ACH Fraud Incidents Continue to Climb

ACH credit fraud has steadily climbed since 2016, according to the most recent annual fraud report from the Association for Financial Professionals (AFP). In both 2015 and 2016, the number of cases of ACH credit fraud was at 11%. In 2017, the number rose to 13%. Last year, the number climbed to a whopping 20%, according to the survey, which...

Apr 12, 2019

Consumers Embrace Same-Day ACH Transactions, Doubling to $51 Trillion

Same-day ACH transactions climbed to $51 trillion last year, proving that everyone is embracing instant payments. NACHA, the electronic payments association, recently announced that 2018 was a milestone year for the ACH Network. Payment volume rose by almost 1.5 billion, making it the fourth consecutive year to add one billion new payments to the network. In 2018, ACH Network volume...

Dec 28, 2018

ACH Electronic Debit

Wondering whether you should use ACH electronic debit for payment processing or not? What benefits or weaknesses does ACH billing have? Well, no worries! This article will tell you what ACH debit means and where you can get approved for ACH transactions fast and easily. ACH Electronic Debit: How to Make Reliable ACH Transactions ACH (Automated Clearing House) payments are...

Dec 19, 2018

ACH Debit Transactions | Everything There Is to Know

For a quicker, safer, more efficient way to electronically move funds among banks and financial institutions across the United States, merchants must consider accepting ACH debit transactions. Understanding ACH ACH debit and credit transactions occur on the Automated Clearing House (ACH) network, which under the oversight of NACHA, connects more than 25,000 banks and other financial institutions, allowing for to...

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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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