Skip to content
Process over the phone safely & easily

Checks By Phone

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!

Consistently Voted the Best High Risk
Provider by Industry Experts

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.



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.



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!

Browse by Industry

Merchant solutions tailored to all types of businesses

All Industries
Merchant Empowerment

Merchant Empowerment

Our check-by-phone service allows merchants to accept and process checks from their customers over the phone safely and easily. This service comes with five basic features and a variety of benefits to make the operation of processing checks by phone a simple process. This service is ideal for utility services, such as water, power, phone, and cable, insurance offices, and call centers, such as sales, customer service, and bill payment call centers.

Apply Now

Our service comes with five features

  • Guarantee Option

    Guaranteed funding is available. This means that you will be funded even if the check is returned. To use this option you will be required to utilize a Virtual Terminal to input transactions. This service is not available for file processing.

  • Verification Option

    A sophisticated fraud detection service that verifies your customers against a national negative database for any outstanding returned checks in their name.

  • Recording Service Option

    Allows you to choose between “use your own recording service”, or our “hosted voice authorization recording services”. The recording services we offer are available at competitive rates to allow us to serve you better.

  • Virtual Terminal

    A web based interface that allows check processing through a PC. It eliminates the expense of a physical terminal and hardware. Supports multiple Virtual Terminals and Gateways and it supports multiple users.

  • Online Reporting

    A web based reporting system that provides full tracking of all transactions. The Online Reporting system has a number of features, such as reconcile billing, the ability to view statements and transaction histories, and fast access to batch detail.

Award winning

The nation’s #1 high risk credit card processing company

CPO trustpilot BBB A+ top credit card processor overall rating

Need more information? Drop us a line

  • No application fees
  • Competitive rates
  • No credit card required

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.

Still have questions?

If you can’t find the answer you’re looking for, please reach out and chat with our team.

Get in touch