Jul 29, 2021

Frequently Asked Questions About eChecks

With so many payment options coming to the fore, eChecks have been gaining ground in the last decade. In a Federal Reserve Payment Study in 2016, it was discovered that ACH payments grew at a yearly rate of 4.9 percent from 2012 to 2015.  The Most Popular Questions About eChecks With Answers Businesses that are interested in accepting eChecks as...

Feb 03, 2020

Fed Data Showed Electronic Payments Overtook Checks

According to the 2019 Federal Reserve Payments Study, payments using debit and credit cards and the automated clearing house system (ACH) saw considerable growth from 2015 to 2018, while checks are continuously seeing a decline in use. In the study, the growth rate of noncash payments as defined by debit card, credit card, ACH, and check payments was at 6.7...

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...

Dec 26, 2018

Are Electronic Check Payment Services Right For You?

Are you a merchant looking for a way to collect eCheck payments from your customers? Do you want to know more about eChecks? Don’t worry! This article is here to help you with electronic check payment and the best processor for this. Electronic Check Payment: What It Is? It wasn’t long ago when people wrote personal checks, the recipient delivered...

Jun 26, 2018

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...

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...

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...

Nov 27, 2015

Electronic Checking Processing Leads to the Imminent End of the Paper Check

September 11, 2001 was the beginning of the slow death of the paper check. Before that day, money was moved across the U.S. very differently than it is now. Banks moved paper checks by truck to central processing centers. They were then sorted and bundled onto airplanes for further transportation. On any given day, there was around $6 billion in...

Oct 08, 2015

Boost Profits with EMB Electronic Check Processing

Are you a merchant searching for a payment processor that will actually increase your profits and customer base? There are online payment processors that can provide electronic check processing to speed up transactions and give your customers access to faster, more convenient methods of paying. This is especially important as consumers get accustomed to paying with alternative methods.  A recent...

May 30, 2012

Compare Precios de Procesamiento de Cheques ACH

¿Cómo encontrar el mejor programa de procesamiento ACH? Compare en la red ¿Está buscando las tasas más barata en procesamiento de cheques? ¿Es necesario aceptar cheques sobre la red o por teléfono, pero necesita comparar las tasas y tarifas de los proveedores? eMerchantBroker.com tiene docenas de empresas para el procesamiento de cheques en nuestra red, todos con una calificación de...

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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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