Sep 27, 2019

E-checks Are Paperless and Convenient, But Are They Safe?

eChecks are arguably the most popular form of payment among US consumers. They are also a great solution for high risk merchants because they are known to increase sales and profits. By definition, eChecks are simply an electronic form of a paper check that gets processed through the Automatic Clearing House (ACH) network. When customers get ready to pay via...

Jan 22, 2019

eCheck Processing: What’s “Payments Clearing?”

What’s involved with the process of payments clearing? How long does it take for payments to get cleared? What about eCheck processing? Is this the right payment processing solution for you? Just move forward to get answers to these questions. Online Payments: eCheck Processing It’s no surprise that cash is becoming less widespread for paying for goods and services today....

Jun 23, 2017

eCheck Processing for Head Shops

  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 emerchantbroker.com, the #1 high risk processor in the...

Feb 17, 2017

How Electronic Check Payment Processing Works

If you have been running a business for a while, the chances are high that a customer has requested to make payment using an eCheck. However confusing merchants find this method, they often choose to let their payment processors handle the technicalities. And when disputes later arise, the trader is left with little to do, other than concede to the...

Apr 20, 2016

The Benefits Of Electronic Check Payment Processing

Modern technology enables people to enjoy fast and easy payment transactions all around the globe. Huge advances in the world of payment technology have turned paper checks into electronic transfers (debit), which are also known as electronic checks or eChecks. Electronic check processing is an essential part of any modern business. Modern eCheck Payment Processing. How Does It Work? eCheck...

Mar 24, 2016

Why Your Business Needs Electronic Checks

If you are starting a new business, having diverse payment processing options is crucial to recruiting and maintaining clients. One vital payment processing option that you must provide is electronic check payment processing. This new technology is hassle free, simplifies check cashing and ensures that your business gets paid quicker. Before signing with a payment processor, make sure that they...

Award winning.

  • 2012
  • 2013
  • 2014
  • 2015
  • 2016

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.

Live Chat