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Contractor Merchant Services & Credit Card Processing

Contractor Merchant Services


Get Paid on Time, Every Time

A contractor needs merchant services and credit card processing solutions that build trust with their clients through simple and secure transactions.

Whether a client calls you for a new sink fixture, bathtub repair, or even a full bathroom remodel, they expect that you will be reliable and get the job done in a timely manner. In turn, you expect that your clients will pay you for your services on time.

To get paid on time, every time, from every client, you need to have a flexible payment solution in place. The ability to accept a credit card in-person or over the phone is a basic business necessity, but wouldn’t it be great if you could get more out of your investment? With the right contractor merchant services and credit card processing options, you can take payment acceptance and your business to the next level.

Keep reading to learn about Electronic Merchant Systems, and the innovative payment acceptance solutions we offer to contractors like you.

About Electronic
Merchant Systems

Electronic Merchant Systems (EMS) is a leading provider of contractor merchant services and credit card processing. EMS has been helping contractors like you unlock their full potential for financial success since 1988. Our headquarters are in Cleveland, Ohio, with several other offices across the nation serving tens of thousands of businesses.

With over 30 years of experience, we have seen small business owners overpay for their merchant services far too often. We want our merchants to grow their profits as quickly and as much as they can, which is why we offer custom contractor merchant service rates and even provide a free payment processing analysis to ensure that you aren’t overpaying!

As the world of payment acceptance evolves, it’s becoming more and more apparent that customers rarely have cash on-hand and prefer to pay by card or pay online. Because of this, it is imperative that your contractor team is prepared to accept credit and debit cards online swiftly and securely.

There are tons of payment options available to small business owners today, but our dedicated professionals will take the time to truly understand your contracting business and offer the payment processing solution best suited to your needs. We offer a full suite of merchant service solutions to serve any contractor type, from plumbing, to electrical, and general contracting.

Contractor Payment Processing


EMSmobile Payment Processing


Empower Your Business
with EMSmobile

EMSmobile is the premier, secure credit card processing solution that allows for payment acceptance anytime, anywhere. Whether you’re in a client’s home or office or manning the desk, you’ll be able to access the virtual terminal for accessible online payments.

Once you download the software, simply connect the card reader to your mobile phone or tablet and start taking credit or debit card payments. EMSmobile is compatible with iOS and Android devices and offers card readers that connect to your device via Bluetooth or through the audio jack.

With EMSmobile, you can:

  • Dip, tap, or swipe credit cards
  • Allow multiple users at the same time
  • Accept tips
  • Create itemized or simple transactions
  • And more!

Our Virtual Terminal Enhances the Payments Experience 

EMSmobile even helps you serve your customers from a distance. Streamline your contracting business operations with the intuitive online back office, or Virtual Terminal, that allows your customers to make secure payments online. The simple platform enhances your operations through a range of services, including:

  • Full PCI-compliance for payment security
  • Cloud-based, real-time transaction processing
  • Custom Email Invoicing
  • Unlimited users and permission-based employee access

The virtual terminal ensures that you can send a convenient invoice via email even if your customer steps away or isn’t personally available! Email invoicing expands your business agility by sending personalized invoices for fast and secure online payments. Plus, you can monitor the invoices that have been viewed and paid, or even resend receipts via the Merchant Console.

Merchant Console

Our intuitive Merchant Console streamlines business management by allowing you to update the most important aspects of your business online. We utilize a cloud-based program as your business hub which can be accessed on any web-enabled device.

Through the Console, you can:

- View all transactions and manage inventory
- Review the status of email invoices
- Access intuitive reports
- Analyze sales trends
- Identify your best customers

Secure Card Storage

Our Secure Vault makes payments more convenient by storing customer card information for later use. Simply create a customer profile and they’re set for future sales or billing, allowing payments to recur more smoothly. Plus, our account updater technology can even update customer card information, even without a request.

Recurring Billing

For larger projects, you can also create a recurring billing plan for them that automatically processes their payments in stages. All you need to do is set the schedule and allow the technology to automate the payment processing.

We're Here When You Need Us

Would you like to discuss your current processing rates? Our experts provide in-person or virtual consulting to help you understand your current rates and the solutions that will best suit your needs. We’re happy to start with a completely free, no-obligation rate review!

So, what are you waiting for? Contact us today and let’s talk about how EMS can meet your contracting business’s needs for merchant services and credit card processing.