eCheck Processing for Head Shops

Jun 23, 2017


Merchants interested in electronic payment processing for their online smoke shop or head shop should find a reliable payment processor to turn to. It can be intimidating to set up a head shop merchant account because of the risks associated with underage tobacco purchase and public health issues.

Consider applying to, the #1 high risk processor in the US. EMB can help you set up credit card payment processing for your online smoke shop without difficulty. EMB offers the best eCheck processing for head shops in the industry.

eChech Processing for Head Shops from EMB is experienced with restrictions sanctioned to online smoke shops and can help you grow your online smoke shop business easily and quickly. EMB knows your high risk business best of all, and is well aware that chargebacks and disputes are common for your type of business. will support your business as long as your chargeback rates remain under 3%.

EMB can have your online head shop merchant account set up in as little as 48 ours thanks to its simple application process. With EMB, you can enjoy:

  • Included Secure Payment Gateway
  • No Application Fee
  • Competitive Rates
  • No Required Visa or MasterCard Registration

iCheck, Checks by Web, Checks by Phone, and Paper Guarantee

Checks by Web, Checks by Phone, Paper Guarantee, and EMB’s new iCheck (instant check processing) solutions are just some of the ways thanks to which EMB is making it easier for merchants to process payments and build successful businesses. This isn’t about the old ACH solutions you’re used to; now, you’re given an opportunity to use the latest services in check processing technologies.


iCheck is a means of electronic check processing that provides faster funding on a wider variety of checks. It has fewer restrictions as compared to ACH. Thanks to such flexibility, Remote Deposit Capture (iCheck) becomes ideal for many sales environments. All check types can be accepted at Point of Sale or when the consumer is not present. This is the future of check processing. With iChech:

  • No consumer notification or receipt is required
  • No check writer authorization requirement
  • Funding is guaranteed
  • Free online activity monitoring
  • Fast electronic deposit of funds, in as little as 24 hours


Using EMB’s Check-by-Phone service, merchants can accept and process checks over the phone. It offers 5 basic features and a variety of benefits to make the operation of processing checks simple. This service is a perfect solution for many industries such as utilities, bill payment call centers, sales, and customer service.

Paper guarantee

Thanks to Paper Guarantee service, you can safely accept checks as payment. Paper Guarantee removes all the fearful expectations that come with accepting checks, by eliminating the risks.


Checks-by-Web allows consumers to purchase goods online without a debit/credit card. It offers a safer payment option and helps you keep up with the latest trends in eCommerce, the fastest growing industry in the world. boasts an A+ rating with the BBB and is rated A by Card Payment Options. EMB is named one of Inc. 500’s Fastest Growing Companies of 2016.

Let us help you get a high risk merchant account 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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