Mar 03, 2022

What Are The Benefits Of Using eChecks?

Electronic payments are gaining ground, according to a study conducted by the Federal Reserve. In their latest payments study, the Fed found that a total of 16 billion checks were written in 2018, with a total value of $26.2 trillion. This was a significant drop from 20.2 billion and $29.68 trillion back in 2015. Another significant sign of the advancement...

Feb 03, 2020

Fed Data Showed Electronic Payments Overtook Checks

According to the 2019 Federal Reserve Payments Study, payments using debit and credit cards and the automated clearing house system (ACH) saw considerable growth from 2015 to 2018, while checks are continuously seeing a decline in use. In the study, the growth rate of noncash payments as defined by debit card, credit card, ACH, and check payments was at 6.7...

Sep 27, 2019

E-checks Are Paperless and Convenient, But Are They Safe?

eChecks are arguably the most popular form of payment among US consumers. They are also a great solution for high risk merchants because they are known to increase sales and profits. By definition, eChecks are simply an electronic form of a paper check that gets processed through the Automatic Clearing House (ACH) network. When customers get ready to pay via...

Aug 12, 2019

Are eChecks Safe | How eChecks Work and What Benefits They Have

The digital payment processing field is becoming more and more crowded. So, it’s no surprise that electronic payment processing methods like eChecks are gaining more traction with businesses and consumers all over the world. What many people often ask is “are eChecks safe?” To find out if electronic checks are safe and discover an exceptional eCheck payment processing provider, just...

Jan 22, 2019

eCheck Processing: What’s “Payments Clearing?”

What’s involved with the process of payments clearing? How long does it take for payments to get cleared? What about eCheck processing? Is this the right payment processing solution for you? Just move forward to get answers to these questions. Online Payments: eCheck Processing It’s no surprise that cash is becoming less widespread for paying for goods and services today....

Jan 15, 2019

Learn if Check By Phone Services Is Right for Your Business

Merchant service providers allow businesses to accept checks by phone, as another convenient payment option to offer their customers. To get started, all you need to take advantage of these services is a merchant account. Find out if check by phone services are right for your business. Understanding Check by Phone Services Taking a check by phone works very similar...

Jan 08, 2019

Are eChecks Safe for Business?

Fraud and cyberattacks threaten anyone involved in the payments industry. Major data breaches alarm credit cardholders and leave businesses cleaning up devastating messes. Despite these issues, customers still want a way quick way to pay that does not require cash. In addition to accepting credit card payments, offer your customers the option of paying via eChecks. But, are eChecks safe...

Dec 28, 2018

eCheck Payment Processing Can Help Your Business Collect Payments On Time

eChecks are regarded as the “next generation” payment method in the US. They boast a widespread use by businesses making payments online. Are interested in collecting eCheck payments from your customers? What’s important to know about eCheck payment processing? This article is here to help you with this. eCheck Payment Processing It was the year 1930 when Albert Haddock received...

Dec 26, 2018

Are Electronic Check Payment Services Right For You?

Are you a merchant looking for a way to collect eCheck payments from your customers? Do you want to know more about eChecks? Don’t worry! This article is here to help you with electronic check payment and the best processor for this. Electronic Check Payment: What It Is? It wasn’t long ago when people wrote personal checks, the recipient delivered...

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...

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