Faster Funding


What is iCheck and its Benefits?

iCheck is a means of electronic check processing and facilitates faster funding on a wider variety of checks. It also has fewer restrictions than ACH. This flexibility makes Remote Deposit Capture ideal for many sales environments. Checks can be accepted at the Point of Sale or when the consumer is not present. Making this the future of check processing!

  • Checks of all types can be processed, including personal, business, government, traveler’s, cashier’s certified, and money orders.
  • With our iCheck electronic check processing services there are no ACH restrictions.
  • No consumer notification or receipt is required.
  • There is no check writer authorization requirement.
  • Funding is guaranteed for transactions.
  • Free online monitoring of activity.
  • Fast electronic deposit of funds in as little as 24 hours.
  • Deposits to merchant’s existing bank account, not a separate account as with other processors.
  • Save a trip to the bank by using iCheck Payment Processing.

Who is iCheck for?

What types of businesses can utilize iCheck Electronic Check Processing Services

  • Mail order
  • Educational
  • Medical
  • Utility
  • Government
  • Property leasing and management
  • Insurance
  • Other types of non-traditional business may take advantage of iCheck.

There are three programs available regarding iCheck, based upon your business needs.

  • iCheck POS is for face-to-face transaction and card terminal or web-based processing.
  • iCheck Remote is for transactions where the consumer is not present, and card or web-based processing.
  • iCheck Payroll is for cashing business and corporate checks, and card or web-based processing.

What Equipment do I need to start?

Regardless of the type of iCheck payment processing program you implement, you will need a check imager that can scan and read both sides of the check.

If you’re interested in implementing iCheck into your business, 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 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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