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...

Nov 26, 2018

Faster, Higher Pay Limit, Same Day ACH Transactions Coming

Same day ACH transactions will get faster, per-transaction limits will triple, and processing windows will expanding, according to three new rules announced by The Electronic Payment Association, NACHA. Nearly 41 million same day ACH transactions have flowed through the ACH Network, according to NACHA. Realizing that consumers are embracing same day ACH, NACHA, which manages and governs the ACH Network,...

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...

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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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