Check Processing

For High Risk Merchants


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.


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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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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