Check Processing

For High Risk Merchants

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Electronic check processing is an essential part of many businesses today. Offering customers as many payment methods as possible can greatly increase revenue. Electronic checks can also cut down on chargebacks and customer disputes.

Merchants are no longer required to go to the banks to deposit checks thanks to electronic check processing. The Automated Clearing House (ACH) network of electronic financial transactions facilitates this process, with a measure of rules regarding what kinds of checks may be accepted electronically.

eMerchantBroker’s comprehensive ACH service allows your business to accept checks without forcing the customer to be there in person, confirmation and authorization can travel along multiple information highways such as fax, telephone, or the internet. If you are in a high risk industry securing a merchant account can be a tricky task as conventional banks balk at high risk businesses. Our electronic check processing offers you another alternative.

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Check21 Service

In addition to ACH we offer Check21 services. Check21 is an alternative check processing network that is a bit more flexible in comparison to ACH regarding what kinds of checks are accepted. Whether you prefer the recognizable ACH or the broader Check21, we’ve got you covered offering multiple gateways for customer payment processing. If you have an online shopping cart we can get you approved for electronic check payment processing.

Here are businesses and industries that we can work with to open up revenue streams through electronic checking:

  • Adult Websites & Retail
  • Bail Bondsmen
  • Card Rooms
  • Cash Back Check Cashing
  • Credit Repair
  • Criminal & Bankruptcy Attorney
  • Investment Opportunities
  • Online Gaming
  • Unlicensed Massage Parlors
  • Escort Firms
  • Credit Card Funding and Fees
  • Prepaid Card Funding and Fees
  • Rent-to-Own Programs
  • Used Auto Sales who offer In-House Financing
  • Auto Warranty (Extended Warranty Programs)
  • Finance Companies
  • Collection Agencies
  • Time Share Sales & Related Businesses
  • Payroll Check Cashing Businesses
  • Electronic Equipment Leasing
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by Industry Experts



  • A Proven Platform

    We've built a platform that works for you. We're continuing to add new features daily, and expanding to meet the needs and requests of our customers.


  • Support Superiority

    We have some of the best support in the business. We can be reached anytime of day, and will help you through any hurdles you might encounter. Need help? Call Us.


  • Quick and Painless

    Signing up is fast, easy, and secure. Our Application process can be completed in just a few minutes, and you'll hear back from us within 24-48 hours, sometimes sooner!

Applying is fast
And Easy

No matter your device, platform, product or service, applying is a painlessly quick experience and can be finished in minutes. So what are you waiting for? Stop delaying and start selling today!
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Merchant Solutions Tailored to All Types of Businesses, Including

Gaming
Bad Credit
Nutraceutical
Credit Repair
Telecom
Warranty
Tech Support
Travel
eBooks
Electronics
Airlines
Adult

Need more information?
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high risk solutions
for high risk merchants
award winning and
100% secure
BBB Accredited Business
with an A+ Rating

Award winning.

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Frequently Asked Questions
What Are Merchant Cash Advances? +

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.

How Much Does It Cost to Process Credit Card Transactions? +

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.

Do You Work With Merchants Who Have Poor Credit Scores or Have Had Merchant Accounts Terminated? +

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.

What Factors Are Used to Determine a Business’ Risk Level? +

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.

What is a Virtual Terminal? +

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.

What are Interchange Fees? +

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.

How Long Does It Take To Get Approved for a Merchant Account? +

After filling out EMB’s simple online application and submitting any necessary, requested documents, many merchants get approved within 24 and 48 hours.

Do You Work With High-Risk Businesses? +

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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