Mar 28, 2022

eChecks For Online Casinos Are Gaining Prominence

 Online casinos have experienced massive growth in just the last few years. Global online gambling is projected to reach $112.09 billion by the year 2025. Even with the pandemic, online casinos continued to flourish. Mobile gaming is also on the rise. As of 2019, it was estimated that there were close to 2.2 billion mobile gamers worldwide. It was also...

Mar 25, 2022

Advantages Of Using A Digital Check For Business

Online and mobile payments are a growing trend that will only continue to increase as customers get more comfortable with technology. Increasingly, customers are relying on their smartphones to pay their bills, pay for services, and pay for products. One of the biggest reasons is convenience. According to eMarketer, it is projected that mobile payments will increase to $130.3 billion...

Mar 23, 2022

Electronic Check Processing: The Ultimate Guide

There is no doubt that we are now living in a digital age, where online transactions are not only the norm but a necessary component to running an online business. Convenience and speed of transactions are of the essence. By offering both benefits, online businesses have a better chance at not only surviving the online retail landscape but thriving as...

Mar 14, 2022

What Is An eCheck And How Are They Distinct?

Today’s digital payment climate is moving at such a rapid pace that all businesses must consider exploring the newest payment innovations. By doing so, they have the opportunity to process payments faster, more efficiently, and inexpensively. One payment method that businesses should consider is using the electronic check, also known as the eCheck. It offers a wealth of opportunities as...

Jan 25, 2022

The Safety Of Accepting eChecks

The 2018 AFP Payments Fraud Survey uncovered that checks continue to be a target for more fraud than any other payment method. In fact, 74 percent of those surveyed revealed that they had experienced this attack. This was followed by wired fraud at 48 percent, and corporate card fraud came in third at 30 percent.  A safer alternative to traditional...

Jan 05, 2022

12 Popular Questions (and Answers) About eChecks

As more consumers are growing weary of credit card fraud, they are less likely to use credit cards as a payment method when shopping online. They are looking for payment methods that offer more security, with a seamless, efficient, and fast processing as a credit card payment. Top 12 Things To Know About Electronic Checks 1. What Is an eCheck?...

Dec 28, 2021

Your 8 Questions Answered About ECheck Payments

As we continue to move into a more “electronic world” the speed at which payments take place has become vitally important. Echecks or electronic checks allow businesses and customers to make payments quickly.  Some vendors and customers are not comfortable providing their banking information for wire transfers or ACH payments, but they still want to receive their payments in a...

Dec 09, 2021

Instant Echecks, What Are They?

Echecks, or Instant eChecks, also known as electronic checks, are electronic payments that are made from a customer’s checking account. Another way of looking at it is that it’s a “virtual version” of your everyday paper check. When customers pay with an eCheck, as a form of payment, the funds go to the merchant’s business bank account by way of...

Dec 07, 2021

Avoid Credit Card Fees With Electronic Checks

First Data’s white paper, “Electronic Checks: The Low-Risk, Low-Cost Way To Accept Online Payments”, highlighted what drives customers to make their buying decisions. Payment options factored greatly in most customers’ decisions as to “where” they shop online. For most consumers, a shopping experience may end unfavorably if they are not able to find their most preferred method of payment during...

Dec 07, 2021

eChecks: What They Are And How They Work

Banks have always processed checks manually and deposited the funds into the user’s bank. It would typically take days for the funds to appear on and be ready to use in that account.  Thankfully, technology has made vast improvements that have allowed for these payments to be carried out electronically from an individual’s checking account. This is done by using...

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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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