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Accept Checks Without Risk

Paper Guarantee

Every check that is verified is then brought to the bank, where it is a certainty that the check will be paid. The merchant does not have to have apprehensions about whether or not the check will be paid.

At we offer various check processing services including “Paper Guarantee” a reliable and effective service we’re proud of.

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Paper Guarantee

Do you have qualms about accepting paper checks, in your organization? This is where Paper Guarantee comes into play. Paper guarantee is a means by which you can safely accept checks as payment. This check acceptance service serves to dispense with the regular apprehensions that come with accepting checks, by removing the risks that are normally involved in this sort of transaction.

Paper guarantee involves five features that work together to eliminate the risks involved with accepting paper checks. These features include:

Verification: Verification takes place at the point of sale. At this point the writer of the check and all of the information provided gets screened and is cross referenced through multiple databases for the detection of fraud. In the event that fraud is detected, there are descriptive responses available to assist the clerks. The fact that this is done instantly, helps to ensure that the merchant does not become a victim of fraud. This proves to be the most reliable check verification system, as fraud can be detected at the point of sale.

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Paper Guarantee Funding

Every check that is verified is then brought to the bank, where it is a certainty that the check will be paid. The merchant does not have to have apprehensions about whether or not the check will be paid.

  • Stop Payment Premium:Paper guarantee also guarantees the payment of Stop Payment checks. This ensures that the merchant never has to worry about a check not being paid. There are, however, only certain types of merchants who qualify for the Stop Payment Premium. These types of merchants are any merchants involved in vehicular repair of any sort, such as cars, boats and motorcycles.
  • Online Reporting:With online reporting you can track all of your transactions, fully, with the various features that are set up to ensure that merchants can monitor their transactions. Features include: reconcile billing, transaction history among other helpful features. Transaction reports can also be converted in various easy-access formats, including excel files. This removes the risks that could have been involved.
  • Equipment Flexibility:Paper guarantee supports multiple virtual terminals and payment gateways. This versatility allows affords the merchant the accessibility that is required. The service is so flexible that it can be programmed to suit most of the credit card terminals that are available.

Paper guarantee is the safest and most effective route to accepting paper checks from clients. Merchants are defended against the risks that are generally associated with payment by check, as this service guarantees the payments of all verified checks.

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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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