Check Processing for Your “High Risk” Business

Mar 09, 2015

The ability to process checks electronically is essential to running any business. Having the ability to offer customers various methods of making their payment(s) means more sales and revenue for you. The advantage of electronic checks is that they considerably cut down on the number of potential chargebacks and customer disputes.

However, have you ever wondered if there is an easier way to accept and process these checks? If you have, there is good news. Merchants are no longer required to take the checks to a bank for deposit, thanks to The Automated Clearing House (ACH) network of electronic financial transactions. They facilitate this process. Keep in mind that there are a few rules in regards to what kind of checks may be accepted electronically.

This is all great, you might be thinking. But how do I, as a business considered part of a high risk industry, obtain a merchant account while also accepting electronic checks? Fortunately, there are payment processing providers that are willing to offer you a merchant account, despite your high risk profile while still catering to your specific needs.

If this sounds very much like the needs and issues your business is facing, a check processing merchant account with may be the answer you were looking for. has consistently been voted the #1 high risk provider by industry experts. If you are unable to obtain services from a traditional source due to being labeled “high risk”, can offer you a safe and efficient solution.

The application process is fast, easy and secure. The application process itself only takes a few moments, and you can expect to hear back from a representative within 24-48 hours. EMB can help you with the difficulty you’ve had securing a merchant account from a conventional bank.

In addition, with their comprehensive ACH service, makes it possible for your business to be able to accept checks without requiring that the customer be there in person. The process of confirmation and authorization simply travels over multiple information highways, including telephone, fax, internet, etc.

Don’t let conventional banks shying away from you slow your goals down. If you are planning on starting your own business and want to have more than one method for your customer’s to make their payments, apply for a check processing merchant account with Take advantage of their fast and easy application process or speak with a representative today!


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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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