Feb 29, 2016

Electronic Check Processing Convenient For Modern Merchants

While the majority of us use debit or credit cards for purchases, some still use paper checks. The percentage of use rises in terms of bill payments. While there is nothing wrong with accepting a paper check as payment, the processing is a lengthy process, and at times a costly one. Electronic check processing is not a fad, but rather...

Jan 25, 2016

E-Check vs. ACH Processing: What You Need for Your Business

There are many ways to process payments. From mobile apps to traditional merchant account terminals, there are multiple ways for your customers to pay. However, while many think of the physical terminals or scanner when thinking of “payment processing”, there are two terms that you must know for your business: e-check and ACH processing. They essentially do the same thing...

Dec 29, 2015

Millennials Prefer Checks for P2P Payments

Don’t believe the hype. Millennials still prefer to use cash and checks over online or mobile payment methods. Despite the buzz about Millennials abandoning traditional forms of payment, a new report by Aite Group shows 58% of Millennials (ages 26 to 34) and 53% of Millennials (18-25) wrote checks last year to pay another person. This refutes the idea that...

Nov 27, 2015

Electronic Checking Processing Leads to the Imminent End of the Paper Check

September 11, 2001 was the beginning of the slow death of the paper check. Before that day, money was moved across the U.S. very differently than it is now. Banks moved paper checks by truck to central processing centers. They were then sorted and bundled onto airplanes for further transportation. On any given day, there was around $6 billion in...

Oct 08, 2015

Boost Profits with EMB Electronic Check Processing

Are you a merchant searching for a payment processor that will actually increase your profits and customer base? There are online payment processors that can provide electronic check processing to speed up transactions and give your customers access to faster, more convenient methods of paying. This is especially important as consumers get accustomed to paying with alternative methods.  A recent...

Oct 08, 2015

EMB Provides Check processing for Business Consulting Firms

The business consulting industry is experiencing a rebirth. Business consulting is a much needed service as small businesses are making a comeback in the United States. Owners of consulting firms need the assistance of an experienced payment processor to handle the payments of your clients. Payment processors like EMB give business consulting merchants a full suite of payment processing solutions....

Sep 24, 2015

EMB Provides Check Processing for Online Pharmacies

Are you the owner of an online pharmacy? Lately, online pharmacies have come under fire causing former good and consistent patients to question the legitimacy of honest and convenient online pharmacies. Consumers are now realizing that online pharmacies sell drugs much cheaper because their large clientele is served from one primary location with only a fraction of the operating costs...

Sep 14, 2015

iCheck and Check Processing Services for Lawyers

The legal and medical professions often find themselves in the forefront of many technological and financial evolution’s. The ability to adapt and constantly upgrade processes is a necessity for any modern doctor’s office or lawyer’s office. Yet many lawyer’s offices still haven’t utilized the most modern payment processes that give clients the ability to make payment using mobile technology or...

Sep 14, 2015

Better Solutions for Check Processing for Collection Agencies

Running a successful collection agency takes determination, strong management, leadership, and an understanding of state and federal laws. Today’s collections environment is extremely competitive and managers must find and exploit any competitive advantages they can find, like online payment processing, that can quickly process checks paid by clients. EMB is the #1 source for check processing for collection agencies that...

Sep 11, 2015

5 Things you need to know about electronic checks or eChecks

1.      What is an eCheck? An electronic check (also known as an eCheck or a Back Office Conversion (BOC)) is an electronic version of a paper check. As technology changes the way things are done, people saw the need to convert traditional checks into electronic payments that can be processed through Automated Clearing Houses (ACHs), easily and efficiently. Since electronic...

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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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