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Business Payment Services

Business Payment Services

Simplify the payment process for you and your customers.

We are excited to partner with EMS (Electronic Merchant Systems) to provide our business members access to affordable and convenient electronic and card payment processing options.

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Why EMS?

EMS is a leading provider of payment processing and merchant services in the United States, based right here in Northeast Ohio. They help credit union member businesses offer their customers secure, reliable, modern payment technology at affordable prices. Their mission is to empower businesses to grow their financial well-being, which makes this partnership an ideal opportunity.

When it comes to something as important as accepting payments for your business, you should never feel unprepared or unsupported. And with EMS, you won’t. They offer 24/7/365 live, US-based customer support for their financial partners and their business clients, so whether you need them at 3 PM or 3 AM, they’ll be here to answer your call.

Request a Quote

Payment Processing Solutions

Credit & Debit Card Processing

Trouble-Free, Integrated Payment Processing

Electronic Merchant Systems offers the most innovative payment processing technology. Whether your business is in need of a stationary terminal, Point of Sale integration, or the freedom that comes with a mobile solution, EMS has a solution that will enhance your process of getting paid.

  • Accept All Major Cards through One Provider
  • Multiple Point-of-Sale and Processing Options
  • Debit & Check Card Processing Benefits
  • Improve Cash Flow
  • Minimize Exposure to Fraud Losses
EMV-Certified & NFC-Enabled Technology

EMV Chip Card Certified

EMS understands that not all businesses are the same. No matter your terminal configuration requirements, you will be ready to support and accept EMV chip cards, contactless, and all major mobile wallets like Apple Pay, Google Wallet, Android Pay, and Samsung Pay. You can choose from an all-in-one handover configuration, or extend customer convenience through the addition of a pin pad and card-entry device. Customers can insert, swipe or tap their own card or mobile phone for payments while keeping a dedicated clerk-facing device on the counter.

  • EMV Chip with PIN or Signature & PCI Certified
  • Accepts Contact & Contactless Payments
  • NFC Mobile Wallets
  • Supports all Card Present Business Types
Mobile Processing

Accept Credit & Debit Cards on Your Mobile Device

EMS mobile provides real-time payment processing in seconds over any WIFI or cellular network. Run a Quick Sale by just entering an amount and dip, tap, or swipe the card, or enter an itemized order that helps you stay on top of your product inventory. Electronic Merchant Systems’ customer service is available 24/7 to handle questions, overcome challenges, and educate our merchants on payment acceptance. You can be assured that your questions will be answered promptly and efficiently by one of our customer service professionals.

  • Compatible with iOS & Android Devices
  • Web-Based Merchant Virtual Terminal
  • Web-Based & Mobile Device Reporting
  • Mailed Monthly Statement
  • 24/7 Live Phone, Live Chat & Email Support
Retail Point of Sale

Scalable POS Solution for Retail & Restaurants Requiring Various POS Functionality


MaxxPay from Electronic Merchant Systems is a tablet-based point-of-sale solution that makes it easy to manage your business and connect with customers. Scalable for small to medium retail businesses, MaxxPay offers full POS Register Support, Cash Drawer, Integrated Printer, and Optional Bar Code Reader. MaxxPay comes standard with EMV and NFC capabilities and is PCI certified. Core Features:

  • Manage Inventory with Categories and Modifiers
  • Multi-User Interface
  • Email or Print Receipts
  • Manage Cash, Credit & Debit
  • Signature Capture
  • Tip Functionality for Restaurant Settings
  • Restaurant Order Ahead
  • Integrated Gift and Loyalty Program
  • Back Office Reporting
  • Full POS Register Support, Cash Drawer, Printer, and Bar Code Reader
Restaurant Point of Sale

Total Touch® POS Solution for Restaurants

Total Touch is an easy-to-use restaurant point of sale software solution for all restaurant types. It’s designed to meet your distinct management and operational needs, whether you’re running a quick-service pizzeria or a premier fine dining room.

The intuitive, powerful software helps you stop worrying about system downtime and focus on your primary goal — delivering the best dining experience possible.

Once you experience the flexibility and powerful features available with Total Touch, you'll wonder how you ever managed without it. These features include:

  • Open Table Management
  • Simple, Easy-to-Use Interface
  • Gift Cards and Loyalty Programs
  • Online and Mobile Ordering
  • Pre-Authorize Bar Tabs
  • Kitchen Display System
  • Payment Options
  • Employee Management
Gift & Loyalty Cards

Build Long-Term Value for Your Business

When it comes to gift-giving, consumers love the convenience and flexibility of gift cards. Throughout the year, and especially during the holiday shopping season, savvy retailers look to gift cards as a valuable source of revenue. Gift cards drive consumers to a store, restaurant, or venue to make a purchase, and many end up spending more than the value of the card during their visit. Retailers also benefit from brand exposure when consumers receive a gift card from an establishment that they have not previously visited.

“Reward repeat customers and sales will increase.”

The philosophy behind customer loyalty programs couldn’t be any more simple. It’s a basic and powerful strategy for businesses whose goals are to continually increase sales or jumpstart sluggish revenue. Gift and Loyalty programs have become a staple for many large businesses. In order to remain competitive, smaller to mid-sized businesses are beginning to adopt their own programs. Let EMS create a gift and loyalty solution that fits the needs of your business.

Web Services & Online Shopping Carts

Optimized Modern Design with Mobile & Tablet Solutions In Mind

Let Our Creative Professionals Design & Host Your eCommerce Website.

To compete and succeed online, it takes solid strategy, an engaging online customer experience, and insightful analysis. We design commerce websites that adapt across desktop, tablet, and mobile devices providing a consistent and contextually relevant user experience. Leverage our web tools and e-commerce experience for business success.

  • No Monthly Contract
  • Personal Web Designer
  • Free Domain Registration
  • Virtual Point of Sale & Shopping Carts
  • Fast, Reliable Web Hosting
  • Mobile-Ready Website
  • Online Marketing Tools
  • Social Media Integration
Surcharge Cash Discount

Surcharge and Cash Discount Programs

Most consumers today prefer to pay by credit or debit card. Cards are simply more convenient. But you know that processing credit cards isn’t free. In fact, it can be downright costly, depending on who you’re processing with and how much you’re processing each day. Our Surcharge and Cash Discount Programs can help you keep more of your hard-earned dollars in your pocket.

Our Cash Discount Program encourages your customers to pay with cash by adding a small service charge to all store sales that will be removed if the customer pays with cash. This can help you save hundreds of dollars every month and improve your bottom line.

Request a Quote

Please complete the form below and a representative from EMS will reach out to you to begin the quote for your merchant services.

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