Payment Processing Services for Online Pharmacy Check Processing

Oct 14, 2013

The online business is busy and profitable. The online pharmacy is a godsend to the disabled and the traveler. The disabled cannot get to the pharmacy and the traveler can order and get it shipped where they are. The harshness of the online pharmacy is the plague of issues that it runs into. The peril of theft during the delivery process is a concept that many forget about, as well as the need for the prescription for the order. But, truth be told, without the online pharmacy a lot of people in need of their medication would go without it.

How to pay

Not all online businesses can get a traditional merchant account to process credit and debit transactions. Some need to rely on the ACH program for payment by check. Automated Clearing House is a program separate from the gateway for plastic processing. The program is used for a lot of payroll checks and automated payments that get delivered into people checking accounts.

Online pharmacies are fraught with difficulties, but not impossible to get up and running. With some tenacity and hard work, the goal can be accomplished.

Apply within

Once you have chosen your choice for your online pharmacy check processing, apply to the merchant that you want to work with. Whether it’s with your local bank or credit union or someone online, be certain that you are comfortable with their business practices, and they with yours. Fill out your application and wait for their response. They will answer within 24-48 hours and they may need more information. Online pharmacies are also haunted with fraud. They will need more, to be on the same page with you and your business.

Check 21 processing

As another option, check 21 processing can be a secondary way of accepting checks. If you take an image of the check you have just been given, with the official information, it can be used to process the payment or make a deposit into your account. Once electronic, there is no more need for the paper copy. You can send and use the electronic version to process the way it needs to be processed.

The hardest part

The hardest situation that you will run into will be the legalization and legitimacy of your business. It won’t matter which country you work with, you have permits, licensing, and making certain that you can send your products to your customers through whatever venue you decide to use.

Any business

Any business worth having is worth working for. If this online pharmacy is something that you have dreamt about and love the idea of, then you should work out the kinks and find a way to get it put together. The merchant account and the online check processing is just a small bump in the road and should not slow you down. Take the time to check your references and verify that the merchant account servicer that you have chosen is legitimate and will take good care of your business and your account.


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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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