eCheck Processing for Head Shops

Oct 26, 2016

The modern business must provide a variety of payment processing options for their clients. One new and popular payment processing option is electronic check payment processing. e-Checks are a hassle free option that simplify check cashing and speed up the payment process, ensuring that your business gets paid quicker. Before signing with a payment processor, businesses should know what type of payment processing services are available and make sure that e-Check processing is included.

Why Electronic Checks?

e-Checks provide a variety of benefits to merchants. e-Check technology has eliminated the need for trips to the bank, deposit slips, and check theft or loss. Even if your company has multiple locations, checks can be processed at each individual location then funds can be transferred to a central account. Therefore, e-Check processing is a safer and more efficient alternative than traditional processing.

How Does the e-Check Process Work?

The e-Check process starts when a customer writes a traditional paper check at the POS. The check goes through a reader that captures important information on the check such as the account number, routing number, and check number. Then additional merchant information is entered to finish the one-time electronic payment. A receipt is then generated to be signed, voided and returned to the check writer. The transaction should then appear as a debit in the client’s bank statement. The merchant then sends the check information to the payment provider and the funds appear in the merchant’s account within 2 days. is a major payment processor that utilizes the Automated Clearing House (ACH) network of electronic financial transactions for e-Check processing. EMB also utilizes iCheck for quick check processing.

iCheck: The EMB Solution

EMB has a full service electronic check processing system. iCheck processes multiple types of checks, and is ideal for multiple sales environments. iChecks can be accepted at POS without the customer being present. iCheck provides:

  • Guaranteed funding.
  • Free online activity monitoring
  • No need for consumer notification or receipt.
  • App feature that lets users take photos of checks for payment
  • No check writer authorization requirement.
  • Fast electronic deposit of funds, in as little as 24 hours. offers e-Check processing for head shops and other high risk merchants. The account managers of EMB can provide you with premium check processing payment solutions that other traditional payment processors can’t or won’t give you. Start your 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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