Electronic Merchant Systems

Your Trusted Payment Experts

We provide innovative, cost-effective payment processing and merchant services solutions to help you grow profitability and realize your full potential.

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Your Passion, Our Mission

Serving America’s
Businesses Since 1988

We are a leading payment processing company, with more than 30 years of experience assisting businesses of all types.

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Expert Guidance

We currently serve tens of thousands of business owners across the United States, each with a tailored payment solution that suits their unique needs.


Lower Rates and Fees

We offer the lowest rates possible to help you increase profitability. In fact, 95% of business owners who receive our free rate review end up saving money.


24/7/365 Customer Support

Yes, you read that right! Whether you have a question at 3PM or 3AM, our U.S.-based support team will be here to assist you by phone, email, or live chat.

Electronic Merchant Systems 975+ Google Reviews

Here’s What Our Customers Say:

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“EMS has been a pleasure to work with. Always providing great customer service. Our representative is always available to assist and as a small business we appreciate that.”

AME Loyal Inc

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“I have had great service from EMS. I recently had a hardware issue that they were excellent to deal with and immediately got my issue resolved.”

Brian P.

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“Tech support has always been available and takes care of a problem in one call. Had the system for many years now and only called for help 4 to 5 times. Great system and support.”

Brita L.

Cash Discount & Surcharge Programs

Access 0% Processing Rates

Eliminate credit card processing costs with our Surcharge or Cash Discount Program. These programs can put hundreds of dollars back in your pocket every month and greatly improve your bottom line.

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Offset the cost of accepting credit cards by applying a service fee to all credit card sales.

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Cash Discount Program

Encourage customers to pay with cash by applying a discount for cash payments. 

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One Team, One Vision

Get to Know the EMS Team

The EMS team is the driving force behind the success of our mission. Together, we serve our customers and company with integrity, kindness, and determination. The diverse aptitudes and perspectives each team member brings to their work is a huge part of what drives us to successfully empower the business owners we serve.

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Established Compatibility and Developer Tools

Integrations Developed with You in Mind

We partner with reputable companies to bring you the best solution possible. Whether you need a website, online shopping cart, payment gateway, or other custom application, you can trust that EMS has the resources to build a tailored solution that lasts.

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Three Steps to Financial Success

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    Build a Plan

    We’ll work closely with you to gain a true understanding of your business and tailor a payment solution to fit your unique needs.

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    Implement & Save

    Once we’ve built your solution, we’ll continue to work alongside you to get everything up and running. Then, it’s time to watch your savings grow!

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    Receive Ongoing Support

    If you ever need us, all you need to do is call or email. Our live, U.S.-based Customer Support Team is standing by 24/7/365 to assist you.