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eCheck Solutions for Any Business

The payments ecosystem goes on shifting all over the world. Cash and checks are shifting towards credit cards, debit cards, and wallets. Are you ready for the changes? What should you know about eCheck solutions for your business? Just read below and you’ll know.

What Is eCheck Processing?

Electronic check processing is associated with converting a paper check received from a customer into an electronic transfer. The latter is also called an electronic check. When you use an electronic check, funds go from your customer’s account into your business’s bank account.

You can make such transfers using the Federal Reserve Bank’s ACH or Automated Clearing House system. It’ll be fast and less expensive. So, electronic check processing helps you take a paper check and submit it for payment electronically. There’s no need to go to the bank.

Thanks to a software program or a web-based payment processing service, you can process checks electronically easier than you may think. A web-based system or ASP doesn’t require to install any software or purchase any hardware. You’ll just need to submit the check information and the transaction.

Electronic Check Processing

The implementation of electronic check processing has to do with choosing a processor. Also, it requires to change your businesses processes so that the rules for electronic check processing can get confirmed. You should:

1.      Inform Your Customers

You must let your customers that their paper checks will be processed electronically. To notify them, you can just write on your invoices or post a sign at your place of business.

2.      Collect and Convert

The paper check gets converted to a one-time ACH-based electronic payment. The customer’s bank routing number and account number get captured. Then, you must copy the check, stamp the original check “VOID,” and discard it.

3.      Process

The payment processing company must present the ready ACH file for the check to your bank. Then, the payments will be processed through the ACH network. The customer’s account will be debited, and your account will be credited. The payment will get documented on a customer’s bank statement with the check number, amount, and the billing company name.

Why should online merchants choose check solutions? Here’s why:

1. To Offer Check Payment for Those Who Prefer It

Check payments are still a preferred choice for a small part of the population. So, if there’s an audience, you should offer their preferred payment method.

2. To Rescue a Sale

Credit cards are declining nowadays. This creates challenges for merchants who offer nothing but credit/debit card payments.

3. To Offer Faster Approval and Setup

When you, as a merchant apply for a merchant account, you may wait for some time to get an approval. This period usually lasts between 3-5 business days. Sometimes, you’ll get an approval within 48 hours.

Need Electronic Check Processing? Turn to EMB

March 16, 2018, marked the beginning of the 3rd phase of same-day ACH. It made all types of ACH payments such as debits/credits eligible for same day processing. Are you a merchant interested in electronic check processing? have you tried applying to

EMB is voted the #1 high risk payment processing company in the US that boasts an A rating with the BBB. Moreover, has an A rating with Card Payment Options and is dedicated to providing exceptional merchants services in the market.

When using iCheck, the eCheck processing service offered by EMB, merchants can see funds from check sales just right off the bat. By just filling out EMB’s simple, online application, you’ll be able to enjoy the benefits of this revolutionary service without delay. knows well that merchant account services can be confusing and overwhelming. This is especially true of newer businesses. The great thing is that EMB provides the latest information about payments solutions and uses the most advanced technology.

EMB specializes in credit, debit and wallet solutions for any type of high risk industries. EMB is in the high risk niche and values check payments as an underused and underrated method of payment acceptance by online merchants.