Jan 08, 2019

Are eChecks Safe for Business?

Fraud and cyberattacks threaten anyone involved in the payments industry. Major data breaches alarm credit cardholders and leave businesses cleaning up devastating messes. Despite these issues, customers still want a way quick way to pay that does not require cash. In addition to accepting credit card payments, offer your customers the option of paying via eChecks. But, are eChecks safe...

Feb 16, 2018

Electronic Check Processing Solutions

As more consumers choose to shop without cash, merchants have to use whatever payment solutions that are available to them to meet their customers preferences. Credit cards and digital wallets are great ways for customers to pay, but also there are many advantages to electronic check processing. In addition to cost savings, accepting electronic checks is safe, secure, and convenient....

Oct 27, 2017

10 Most Popular Q&A About Electronic Checks

As of 2017, eChecks are an established online payment method that enjoys high popularity all over the world. Virtually all major payment gateways offer eCheck payment options together with various other payment services. As of 2017, paying by eCheck is still among the most secure and affordable methods of making a payment directly from your bank account to another party,...

Sep 12, 2017

How eChecks can Boost Your Adult Merchant Business

Adult Companies offer echecks to boost up revenue, attract new sales and reduce the cost of processing payments. Echecks can be used as a supplementary payment method and are often more affordable in terms of processing payments. What’s more, they help increase sales in adult merchant accounts by 8-20% from customers who lack credit cards or just prefer to pay...

Aug 18, 2017

What You Need to Know About eCheck Processing and iChecks

The e-commerce market is developing with rapid advances. The advances in online payment processing and electronic payment technology have made the e-commerce evolve rapidly, thus increasing the willingness of almost all merchants to start accepting credit cards online. According to BI Intelligence, it’s expected US consumers would spend $632 billion in 2020. eChecks, ACH, and EFT When it comes to...

Jun 21, 2016

How Electronic Check Processing Can Save Your Business Time and Money

Electronic check processing allows your business to convert paper checks received from customers into an electronic transfer (e-check). The funds are then taken from that customer’s account and moved into your business’ account. This transfer, which takes place via the Federal Reserve Bank’s Automated Clearing House (ACH) system, offers merchants a faster, hassle-free and less-expensive option. How eCheck Processing Works...

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 30, 2016

EMB #1 in Electronic Check Processing

Credit card fraud may be a thing of the past thanks to Photo Safe Check Deposit. The Photo Safe Check technology incorporates security features that can only be read with mobile deposit software from Mitek Systems Inc. Mitek, a San Diego based company, holds a variety of patents for mobile imaging technologies. Mitek’s mobile imaging technology is used in over...

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...

Feb 29, 2016

Electronic Check Processing Convenient For Modern Merchants

While the majority of us use debit or credit cards for purchases, some still use paper checks. The percentage of use rises in terms of bill payments. While there is nothing wrong with accepting a paper check as payment, the processing is a lengthy process, and at times a costly one. Electronic check processing is not a fad, but rather...

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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 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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