Checks by Web

Relax and Enjoy the Simplicity

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Ease of Use, Personified

Checks-by-Web is a way for consumers to purchase goods online without a debit or credit card. It helps provide a safer way of payment for bills and goods, rather than the dealing with the risk of mailing a check.

How Does it Work?

Checks-by-Web works by using your banking account information (bank & routing numbers) as a method of payment instead of a debit or credit card.

How Safe Is It?

Checks-by-Web is extremely safe to use for both the consumer and merchant. For companies using Checks-by-Web for payments, accounts have to be made for each consumer’s checking account in order for it to be used for payment. Photo ID is not required to use Checks-by-Web. For merchants, you can customize your safety features in order to suit your business and customer base. For ecommerce, there is a $1,000 limit per transaction, which can help reduce attempts at fraud.

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Why Checks-by-web?

  • Safe and efficient method of accepting payment online.
  • Low cost processing.
  • Fast merchant funding.
  • Free detailed transactions online.
  • Banking fees and check handling costs and risks are eliminated.
  • NSF items can be re-submitted automatically, if need be.

What do I need to Start?

  • Completed Merchant Information & Service Agreement forms.
  • Voided merchant check.
  • Business license and/or tax license.
  • Articles of Incorporation.
  • 3 previous bank statements or IRS document verifying TIN#.
  • Web address with current and valid security certificate.
  • Merchant’s warranty and/or refund policy.

Excited yet? You Should be!

Checks-by-Web is an up and coming method of Internet payment. It helps attract consumers that cannot purchase online because they lack a debit or credit card. Checks-by-Web helps ease consumer minds due to advanced security and privacy measures.

Call 1-800-621-4893 or fill out the form to get started now!


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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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