Dec 15, 2017

ACH Successfully Launches Same-Day Debits Before Year’s End

Processing just got a little bit faster. Mid-September, it was announced that the nation’s automated clearing house network had launched same-day clearing and settlement for debit transactions. Same-day debits have been called “Phase 2” in NACHA’s faster-payments plan. Phase 1, same-day credits, was introduced a year ago, allowing users to move payments from their bank accounts to the accounts of...

Oct 18, 2017

ACH Payment Processing

ACH payments are electronic payments. They’re created when the customer gives an originating institution, corporation, or other customer (originator) authorization to debit directly from the customer’s checking or savings account for the purpose of bill payment. Authorization must be in accord with the requirements of the ACH Operating Rules. It must be either written and signed, or electronically displayed. ACH...

Sep 25, 2017

Is Faster ACH A Profitable Idea Or A Flop For Acquirers?

When there was the need for faster payment processing alternatives, Same-day Automated Clearing House came as one of the leading options. And it has been so to date, however, there’s the question of whether it is a perfect fit or not for acquirers. Despite ACH’s cheaper service fee compared to the use of credit cards, the existing discrepancy may not...

Aug 14, 2017

ACH Processing for Small Businesses | Enjoy the Benefits

ACH is the main network that processes most electronic financial transactions in the US. ACH payments are electronic payments completed through the Automated Clearing House (ACH) Network. They are a popular alternative to paper checks and credit card payments since they offer a number of benefits to merchants and consumers. The National Automated Clearinghouse Association (NACHA), the Electronic Payments Association...

Jul 31, 2017

All You Need To Know About Processing ACH Payments

In every business transaction, both the merchant and the customer like having options. Different methods translate to more opportunities for the trader, and flexibility for the buyer. As such, merchants especially prefer payment channels that don’t cost too much to process. An example of these is Automated Clearinghouse Payments (ACH). The best thing about ACH compared to credit cards is...

Jul 20, 2017

B2B Payments in 3 Years. Check or ACH?

In recent years, the payments industry has witnessed some dramatic developments. New technologies aimed at facilitating payments appear in the market and going mobile accounts for a lot of innovation. According to 2016 AFP Electronic Payments Survey, 51% of companies’ B2B payments were still being made by check. Smaller companies generating less than $1 billion revenue annually and companies with...

Mar 28, 2017

Recent Survey Shows Same Day ACH Usage Is Strong

Same Day ACH is a new rule adopted by NACHA (National Automated Clearing House Association). The latter manages the development, administration, and governance of the ACH Network. Same Day ACH allows for payments to be processed within 1 business day, rather than the next day or day after. So Same-day ACH can be described as the US faster payments solution...

Mar 09, 2015

Check Processing for Your “High Risk” Business

The ability to process checks electronically is essential to running any business. Having the ability to offer customers various methods of making their payment(s) means more sales and revenue for you. The advantage of electronic checks is that they considerably cut down on the number of potential chargebacks and customer disputes. However, have you ever wondered if there is an...

Apr 19, 2014

ACH and TCH Exploring Expansion of Tokenized ACH Check Processing Security

The Clearing House Payments Co. LLC is exploring implementing a token system to help protect sensitive consumer information for all automated clearing house transactions. TCH is already utilizing a tokenized credit card numbers and is seeking to expand that system in the wake of so many security breaches in the past six months. Credit card security came under immense scrutiny...

Oct 14, 2013

Payment Processing Services for Online Pharmacy Check Processing

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...

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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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