Are you looking for the top payment and credit card processing company in Birmingham, AL? Electronic Merchant Systems offers uncomplicated, integrated payment processing.
Let me guess - are you dealing with high processing rates and fees that are significantly cutting into your company’s revenue?
Or maybe you’re looking to grow and start accepting credit cards at your business.
Well, you’re at the right place.
Whether your Birmingham company needs a standard payment terminal, a mobile payment solution, or an eCommerce payment gateway, Electronic Merchant Systems provides powerful solutions to improve and streamline the payment process.
For over 30 years, Electronic Merchant Systems has helped local businesses just like yours realize their full potential.
- Streamlining the acceptance of all major credit and debit cards
- Saving money on your credit card rates and fees
- Receiving stellar 24/7/365 Customer Service
- Adding email invoicing, contactless payment, or eCommerce
If the aforementioned criteria strike you as a powerful potential for expansion, you're our type of company. We'd be delighted to assist you in getting to where you want to go.
The first step is to take action and seek a free consultation by clicking the button below.
Do you want to learn more about payment processing options for your particular business? Or are you interested in learning more about who we are?
EMS was designated one of Retail CIO's Top 10 Most Promising Payment and Card Companies in 2019, a Top 20 Most Promising POS Solution Provider in 2020, and a Top 10 provider in CIOReview's Mobile Payment 2021.
We also have over 975 Google Customer Reviews to back up our claims, not to mention our dedicated, 24-hour support team.
Scroll down a little further to our table of contents where we dive into unique benefits for each business type.
Table of Contents
- Small Business Solutions
- Retail Businesses
- Restaurant Businesses
- Service-Based Businesses
- Online Solutions
- Why Choose EMS?
- Frequently Asked Questions
Top Credit Card Payment Processing for Small Businesses in Birmingham
Our objective at Electronic Merchant Systems is to deliver a payment processing solution that makes your life as a business owner easier and more profitable.
Customers who spend money on goods and services expect transactions to be quick, secure, and frictionless. That entails paying with a rapid dip, touch, or swipe of the card.
However, just because you require modern technology does not exclude the process from being simple - since that is precisely what you are providing to your customers: simplicity and security.
You can relax knowing that your client's information is secure when you use EMS as your merchant services provider.
For over ten years EMS has been a certified level 1 PCI provider.
The Payment Card Industry Data Security Standard (PCI DSS) is a set of requirements designed to ensure that ALL companies that process, store, or transmit credit card information maintain a secure environment.
So, you can rest assured knowing you are completely secure with EMS.
It is our responsibility to take all of the stress out of payment processing so you can provide exceptional service and reap the rewards without any headaches.
We want to eliminate the complexities of the transaction process so that your customers can focus on what is really important: your products and services.
If you already have credit card processing services and are at the point where your Birmingham business needs quicker transaction solutions or want to process transactions in a more modern fashion, then it may be time to consider a new processing system.
So, what does that look like?
Accept Online & In-Person Payments in Birmingham, Alabama
Electronic Merchant Systems will meet your needs, no matter what they are.
EMS is delighted to provide Birmingham businesses with a spectrum of secure payment processing solutions for both online and in-person transactions.
EMS provides businesses with the tools they need to accept all major credit cards, whether they are brick-and-mortar or online.
By working with us, you will receive a setup personalized to your needs, as well as exclusive tools that will allow you to save money, streamline processes, and generate more sales.
The four main business types we provide payment processing for include:
- Retail stores
- Service-based businesses
- Online and eCommerce businesses
EMS also offers a Surcharge Program where you can require customers who choose to pay with a debit or credit card to also cover the transaction fees that would otherwise be your responsibility. This allows them to still enjoy the convenience of paying with a credit card, at little or no credit card processing fees for you.
Let’s take a look at more detailed payment processing solutions for your type of business.
Birmingham Retail Store Solutions
Being a retail store owner can be a little hectic. Thankfully, EMS can help streamline operations.
Electronic Merchant Systems is an industry-leading retail Point of Sale systems provider.
With EMS’ MaxxPay, not only can you accept all major credit cards like Visa, American Express, Discover, and MasterCard, but you can add customized gift cards, review employee hours, set up low quantity alerts, and much more.
Every service offered by EMS is designed to help Birmingham businesses grow and thrive, while also making day-to-day operations easier.
The payment processing tools listed below are designed to meet the specific requirements of any retail business.
-Credit Card Terminal: Credit card transactions are critical to business success. Our terminals support EMV chip cards, contactless payments, and mobile wallets with secure, compact terminals so you can accept both online and in-person payments.
-MaxxPay: MaxxPay POS is a tablet-based Point of Sale solution that seamlessly connects an entire store with its customers. Process payments, manage inventory and more, with an all-in-one Point of Sale solution.
-Gift & Loyalty Cards: Customer retention and acquisition is important for any Birmingham small business. With gift and loyalty cards, business owners have an efficient, yet simple opportunity to increase sales and generate new customers.
As a restaurant owner, your to-do list is likely to be as long as your drink menu.
We understand you have a lot on your plate, from inventory management and product shipping to employee coordination and customer satisfaction.
Payment processing can easily fall between the cracks.
As a result, Electronic Merchant Systems provides Birmingham restaurants with user-friendly tools to satisfy your diverse requirements.
For restaurants specifically, we are excited to offer Total Touch POS. Total Touch is a comprehensive restaurant point of sale system that provides benefits such as:
-Open Table Management: From the front office to the back office, restaurant owners can manage tables to reduce long wait times by increasing the speed of checkout.
-Payment Options: Do customers want to split checks by seat or by the entire table? This is done simply with Total Touch, which saves your staff headaches and increases customer experience.
-Easy-to-use interface: An interface that is easily navigated saves you time which, we all know, saves you money. This streamlines your processes and allows you to turn tables around faster.
-Online and Mobile Ordering: More and more folks in Birmingham are ordering food online. With Total Touch’s online and mobile ordering feature, your restaurant’s sales and efficiency will increase.
When you partner with EMS, you're giving your customers the best dining experience possible.
Service-Based Business Solutions in Birmingham, AL
You have numerous moving elements as a service-based firm in Birmingham, such as staff travel, quotes, estimates, and, finally, your service.
Electronic Merchant Systems provides a unique mobile solution - EMSmobile - to make life easier. EMSmobile is an all-in-one payment solution that combines a mobile payment app and a Virtual Terminal.
Accepting payments has never been easier than when your mobile device morphs into a full credit card point of sale.
You are already aware of the smartphone's power in your daily life. Consider using it as the best tool for your company.
Consider this: you'll never have to chase clients down for cash or checks again. Never again will you have to stand in line at the bank.
The EMSmobile app will turn your ordinary smartphone into a complete credit and debit card acceptance device, allowing you to accept payments at your customer's home or business.
Get paid before you start the job, and make it easier to get paid for extra work. We're talking about uncomplicated client management at its finest. It is, in essence, a small business savior.
Additional benefits of Electronic Merchant Systems’ Virtual Terminal include:
-Email Invoicing: If your customer had to step away at the end of the day, send them an invoice via email instead. This allows them to securely pay online with a simple click. Plus, you can see which invoices have been viewed and paid via the Merchant Console.
-Mobile Payments: Use your mobile smart device or tablet to accept payments.
-Secure Vault: Secure storage of customer credit card data for convenient re-use.
-Recurring Billing: Schedule automatic billing for service agreements. Any updates will be synced to all your EMSmobile devices in real-time.
-Business Management Tools: Manage the most important aspects of your businesses with EMS’ cloud-based program, the Merchant Console. You can review email invoice statuses, view all transactions, manage inventory, analyze sales trends, and more!
Online Business Solutions
If you run an online business—or plan to transition online in the near future—you need an engaging eCommerce website where you can sell products or services and process payments seamlessly.
Having a clean, professionally designed website helps businesses increase brand viability and reach, establish credibility, and increase profit.
To simplify the startup process for online Birmingham small business owners like yourself, our team at EMS offers everything from web design, online store creation, to hosting solutions, in addition to providing a secure payment gateway to handle credit and debit card transactions and digital payments across the internet.
By partnering with EMS, you can optimize your online presence and generate more sales.
The online payment processing solutions below are built for eCommerce providers, just like you.
-Web Store: Expand customer reach and increase your revenue with an eCommerce shopping cart.
-Web Design: Make life simple by partnering with a dedicated designer to build your website.
-API Integration: Experience seamless integration with an Application Program Interface (API) component.
Powerful Payment Processing You Can Trust
Why Choose EMS as Your Birmingham Payment Processing Company?
Electronic Merchant Systems embodies everything a business could want in a payment processor in Birmingham, AL.
Exceptional Service & Tools
Our innovative suite of business solutions, high level of quality service, and dedicated employees increase the financial well-being of our clients.
Every service and product offered by EMS is intended to help your business thrive and grow.
Did you know EMS has over 975 Google Customer Reviews with an average 4.7-star rating? For a Merchant Services business that has been around for over 30 years, that is exceptional.
24/7 Customer Support
Chances are you’ll never have to worry about calling our industry-recognized customer service, but if you find yourself calling EMS customer service, you’ll be greeted by a real person.
We have a knowledgeable, US-based team of customer service representatives that is accessible to our Merchants 24/7/365 by phone, email, and live chat.
As a payment processor, we are essentially a security consultant to your data. EMS takes business and customer security incredibly seriously. How seriously? Well, for over ten years EMS has been a certified level 1 PCI provider.
When you accept cards, PCI compliance goes a long way in terms of peace of mind.
Electronic Merchant Systems strongly believes in No Good Merchant Left Behind. If you are confident in your service or product, EMS wants to provide the payment processing tools that help you succeed.
1. How Do I know Which Payment Processing Company to Pick?
You want to be sure that the credit card processing company you select for your business has extensive knowledge and experience in the industry, competitive pricing, excellent customer support, enhanced functionality, and is secure. Don't just look at the largest payment processing companies, the cheapest credit card processing, or the most popular credit card reader.
Sifting between many credit card processing companies and choosing the correct one is crucial and could land you a better credit card processing rate.
2. What exactly is a Merchant Account?
A merchant account allows your business to accept credit and debit cards and transfer funds from your customer's credit card purchases.
When a purchase is made using a credit or debit card at your business, your merchant account works in the background to withdraw funds from your customer’s bank and deposit them into your business bank account.
3. Can my business qualify for a merchant account?
The merchant account application process may vary depending on your specific business type and the associated risk that has been assigned and implemented by the credit card networks.
That being said, most merchant businesses are qualified for a merchant account.
4. How do merchants typically get burned by their payment processing provider?
Unfortunately, some providers take advantage of business owners just like you by imposing the following:
• Hidden fees and lack of transparent pricing
• Lack of security
• Poor customer service
• Solutions/Payment methods that don't fit your business model
5. How can EMS help my business compete with the big companies?
Competing against other small businesses is one thing, but your merchant services provider should offer additional tools to build you up against big box companies, as well.
No matter your business size, you need a credit card processor that helps elevate your brand by offering a wide range of business merchant services. Ask about EMS' gift cards, loyalty programs, and additional options, such as web hosting and design.
6. What if I need help with funding?
We can certainly help with that. One of the additional features that EMS offers is a funding program called BizFunds.
For Birmingham businesses, we will purchase a pre-determined amount of your future sales volume to help raise capital.
The best part is, instead of a fixed monthly payment, you pay an agreed-upon percentage of your daily sales until the merchant cash advance has been paid in full.
7. What is the Cost of Payment Processing?
The cost of accepting credit cards varies widely. It’s critical that you pay attention to what fees will be assessed when you sign the contract with your payment processor.
Make sure you understand the fees you’ll be assessed by your payment processor before you sign the contract with them. And ask questions about the entire process.
8. What types of payment can I accept?
Payment processing allows small businesses to accept traditional stripe cards along with EMV chip cards.
Mobile credit card processing is a great option for service-based businesses without a brick-and-mortar location for seamless payments and convenient email invoicing.
9. What type of POS Equipment do I need?
This truly depends on your Business Operations and Model. The type of credit card terminal you select depends mainly upon the payments options you want to accept, as well as how you need to accept those payments.
A POS system should be used if you truly want to manage your entire business to ring up multiple items, track inventory, manage employees, and more.
If you are only accepting payments from a physical, brick and mortar location, a countertop terminal may be your best bet.
If you accept payments at events such as trade shows, festivals, or farmers’ markets, a mobile POS system is a great solution.
For phone payments and invoices, you will want to discuss a virtual terminal.
Choose the Best Merchant Services and Credit Card Processing Solutions in Birmingham
At Electronic Merchant Systems, we take pride in our dependability, security, and integrity. This is just one of the many reasons why EMS has such a good relationship with our Birmingham retailers.
For us, no good merchant left behind is more than just a motto. Our financial institution understands the demands of your business and wants to help you succeed.
We are much more than just a provider of merchant credit card services. EMS is committed to meeting all of your credit card processing needs, including:
- Providing the top payment processing tools and opportunities
- Improving your cash flow
- eCommerce, email invoicing, contactless payment options
- Streamlining your business operations
- Providing the best credit card rates
- Minimizing your exposure to fraud losses
Don’t spend another day with out-of-date terminals or ridiculously slow transaction times that could alienate your customers.
Instead, choose EMS - where we offer Birmingham businesses the most updated payment processing solutions that are simple and effective.
As previously stated, please look at our 975+ Google Customer Reviews to discover how we excel at providing outstanding products and services to business owners like you.
We stand behind the quality of our product, but if you have any concerns, you can rest certain that our customer care team is available 24 hours a day, seven days a week.
If you want the best Birmingham, Alabama payment processing solutions, click below to request a consultation today.
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