Skip to content

Comparison of the Best Check Payment Processing Companies

Writing Check Payment Using Elegant Fountain Pen. Executive Desk Business Concept.

Are you looking for the best check processing company for your business? Read on to compare some of the best check-processing companies in the ACH industry.

Check Processing Companies

ACH payments have become mainstream for many businesses now that the world has gone digital. In 2021, the top 20 receiving merchants recorded a staggering $18.2 billion in payments, up 11% from 2020. As a business, it’s a given that you’re always on the lookout for ways to streamline your payments, and check processing companies can come in handy. 

Electronic checks, better known as eChecks, are some of the best online payment methods in this era. These are payments processed electronically rather than going through traditional paper checks. There are numerous check-processing merchants, and choosing the best can be quite daunting.

You can’t just choose the first check processing company you come across. It is important to conduct thorough research, compare several merchants, read customer reviews, and do your due diligence to find the best one for your business. To make the process easier, this blog post will compare some of the best check processing companies in the industry. We’ll also discuss why Emerchantbroker is among the best in the industry. 

Person sitting on floor with checkbook and papers sprawled out to symbolize check payment processing

How to Choose the best Check Payment Processing Company?

When choosing a check processing company, you want to ensure that the company can offer secure and reliable services. You should look for a company that has been in business long enough to have established itself as trustworthy, experienced, and reputable. 

You also want to ensure that the provider has all necessary certifications from organizations such as PCI Security Standards Council, EMVCo, and others. Here are several more things to look for.

Transaction Fees

Every time a customer uses his/her card, the business pays a transaction fee. This is usually charged as a percentage of the total price of goods and services purchased. The average rate for credit cards is 1.5 %-3.5 %, while debit cards may be slightly lower. It is crucial to compare the fees of multiple processing companies to get the best rate.

Contract Cancellation Fees

Many companies charge costly cancellation fees if you decide to switch providers. It’s important to read the contract carefully before signing it and ensure there are no hidden costs or additional fees.

Customer Service

Customer service is always important, and choosing a processing company is no exception. If you have any issues or questions, the merchant services provider will be there to help. Before signing up with any company, research their customer service ratings and user reviews to make an informed decision.


Many processing companies have hidden fees and terms they don’t mention in the contract. Some companies even hide aspects of their policies. It is essential to read the fine print carefully before signing up with any company, as you may be responsible for paying additional costs down the line.

Contract Terms

Credit card processors have different terms and conditions, so make sure you understand those before committing. Usually, some of the best check processing companies charge annual fees for their services, and the contract length can vary from 1-3 years.

Several checks laid out on a table to symbolize check payment processing companies

Choosing the Best Electronic Checks Processing Companies 

There are many check processing companies, and choosing the best can take time and effort. However, with a bit of research, you’ll be able to find the right company.  

Emerchantbroker: Best Check Processing Company  

Emerchantbroker is widely recognized as one of the best check-processing companies in the industry. This company specializes in credit card and check processing services. One key thing that makes a merchant broker stand out is its service to industries classified as high-risk by most traditional banks. Emerchantbroker checks this box and is also considered one of the most transparent high-risk providers. Although it’s not the least expensive, the price is well worth it for the high-end services offered.

Emerchantbroker also stands out because it has a very short list of prohibited industries. It will likely approve your account unless you’re running an illegal business. For this reason, it boasts a staggering 99% approval rate for client applications.

EMerchantbroker Products and Services

Emerchantbroker provides several products and services, all mainly focused on merchant accounts. Let’s dive deeper into some of these services.

Flat concept vector illustration set of payment methods such as credit card with website, nfc technology, mobile app, atm and terminal, money transfer, paying by cash and invoice.
Credit and Debit Cards

The Emerchantbroker company accepts most major credit and debit cards for high-risk businesses. These credit or debit cards include American Express, MasterCard, and Visa. 

They accept cards in-person in retail stores and online through e-commerce websites. Cards accepted physically are known as card-present transactions, while those accepted electronically are known as card-not-present transactions.

ACH Payments

A lot of businesses use ACH payment because they can set up debiting from the client’s checking accounts. Companies can set payments for either one-time or recurring transactions. Emerchantbrokers do not charge any setup fees for the ACH payments, and they offer speedy 7-business-day electronic transfers. 


When it comes to checks, the emergent broker company offers various solutions. They provide checks by phone, ichecks, checks by web, and paper check guarantees. Checks by phone are basically allowed for companies such as utility, insurance, and call center services. These are most suitable for companies that handle billing or sales.

Ichecks, on the other hand, are ideal for both personal and business use. They also included money orders and traveler’s checks. For these services, the company unveiled the first 24 hours. However, ichecks are only compatible with iPads and iPhones, though you may be able to send invoices through your email and send funds directly from the bank.

The checks-by-web option allows customers to buy goods or services online using checks instead of credit cards. The process uses bank account information, but they usually come with a limit of $1000 per transaction.

Payment Getaways

This merchant broker provides clients with a payment gateway that is an ideal option for not just newer but growing businesses. A payment gateway is incredibly helpful for businesses because it allows them to do business online. The best part is that payment getaways connect to shopping carts to offer customers optimum convenience.

With our various payment options, excellent customer service, and competitive rates, we offer an efficient and straightforward check-processing experience that is hard to beat. Plus, our security measures are top-notch, so you can rest assured that your customers will be safe using our services. If you’re looking for a reliable payment processing company, sign up and get started with us today.