Chattanooga, Tennessee Credit Card Processing and Merchant Services

Chattanooga, Tennessee Credit Card Processing and Merchant Services

So you're looking for the best payment processing company in Chattanooga, TN, aren't you? Electronic Merchant Systems offers straightforward, all-inclusive merchant services.

I'm guessing you're dealing with exorbitant processing rates and fees that are wreaking havoc on your company's bottom line.

Perhaps you want to expand your business by accepting credit cards.

If that is the case, we would love to assist you.

Electronic Merchant Systems provides dependable payment processing solutions for your Chattanooga business, whether you need a standard payment terminal, a mobile payment solution, or an eCommerce payment gateway.

Electronic Merchant Systems has been assisting small businesses just like yours in realizing their full potential for over 30 years.

That includes:

  • 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 points above strike you as tremendous growth potential opportunities, you're our kind of business. We'd be delighted to assist you in reaching your goals.

The first step is to take action by requesting a consultation by clicking the button below.


Do you want more information about payment processing solutions for your specific business? Or are you curious about who we are?

EMS has been named one of Retail CIO's 10 Most Promising Payment and Card companies of 2019, a Top 20 Most Promising POS Solution Provider in 2020, and is recognized as a Top 10 provider in CIOReview's Mobile Payment 2021.

We also have over 975+ Google Customer Reviews to back those claims up, not to mention our dedicated, 24/7 support team.

Scroll down to our table of contents, where we go over the specific benefits for each business type.

Table of Contents


Top Credit Card Payment Processing for Small Businesses in Chattanooga

When you choose EMS' merchant services, you're making a decision that ensures your life as a business owner is easier without sacrificing quality or speed.

Customers expect transactions to be quick, secure, and seamless when they spend money on goods and services. That is, they will be able to pay by dipping, touching, or swiping their debit or credit card.

However, just because you need current technology doesn't mean the approach can't be simple; after all, you're providing simplicity and security to your clients.

You can be confident that the information provided by your customers is safe and 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.

As a result, you can rest assured that you are completely safe with EMS, as described above.

As a matter of fact, we strive to remove all of the burdens associated with payment processing, allowing you to focus on providing excellent service while reaping the benefits of doing so without having to deal with any issues.

We strive to make the transaction process as simple as possible so that your customers can focus on what is truly important: your products and services.

If your Chattanooga business already uses credit card processing services but needs faster transaction solutions or wants to handle transactions in a more modern manner, a new credit card processing system may be required.

So, what does that look like?


Accept Online & In-Person Payments in Chattanooga, Tennessee


Electronic Merchant Systems will meet your needs, no matter what they are.

EMS is proud to provide Chattanooga businesses with a suite 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 partnering with us, you will receive a setup tailored to your needs, as well as exclusive tools that will allow you to streamline operations, save money, and drive more sales.

The four main business types we provide payment processing for include:

  • Retail stores
  • Restaurants
  • Online and eCommerce businesses
  • Service-based 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.


Chattanooga Retail Store Solutions

Being a retail store owner can be extremely stressful. Fortunately, EMS can assist in streamlining operations.

Electronic Merchant Systems is a market-leading provider of retail point of sale systems.

Not only can you accept all major credit cards such as Visa, American Express, Discover, and MasterCard with EMS' MaxxPay, but you can also add customized gift cards, review employee hours, set up low quantity alerts, and much more.


Every EMS service is designed to help Chattanooga businesses grow and thrive while also making day-to-day operations more manageable and convenient.

The payment processing technologies listed here are easy to use and designed to meet the specific needs 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 geo city small business. With gift and loyalty cards, business owners have an efficient yet simple opportunity to increase sales and generate new customers.

Restaurant Solutions

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 shipments to staff coordination and customer satisfaction.

Payment processing can easily fall between the cracks.

As a result, Electronic Merchant Systems provides Chattanooga restaurants with user-friendly tools to meet your diverse requirements.

best-chattanooga-tn-point-of-sale-system-for-restaurantsFor 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.

-Online and Mobile Ordering: More and more folks in Chattanooga are ordering food online. With Total Touch's online and mobile ordering feature, your restaurant's sales and efficiency will increase.

-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.

When you partner with EMS, you're giving your customers the absolute best dining experience possible. 


Service-Based Business Solutions in Chattanooga, TN

A service-based business in Chattanooga has a lot of moving parts, from employee travel to quotations and estimates to actual service delivery.

Electronic Merchant Systems created EMSmobile to make life easier for its customers. EMSmobile is a comprehensive payment tool that combines a mobile payment app and a Virtual Terminal to provide a streamlined payment experience.

Receiving payments has never been easier than when you use your mobile device as a complete credit card point of sale.

You are already aware of the importance of your smartphone in your daily life. Consider how you can use it to your advantage as the most effective business tool.

Consider this: you'll never have to track down clients to collect cash or checks again. You'll never have to wait in another bank line again.

Accepting credit and debit card payments at your customer's home or place of business is possible with the EMSmobile software, which converts a standard smartphone into a comprehensive credit and debit card acceptance device.

Get paid in advance of starting a job, and make it easier to get paid for any extra work. We're discussing the most straightforward approach to total client management. It is essentially a lifeline for small businesses.

Other advantages of Electronic Merchant Systems' Virtual Terminal include:

-Email Invoicing: If your customer had to leave at the end of the day, send them an invoice via email. This enables them to pay securely online with a single click. In addition, the Merchant Console allows you to see which invoices have been viewed and paid.

-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: The Merchant Console, a cloud-based program from EMS, allows you to manage the most important aspects of your business. You can check the status of email invoices, view all transactions, manage inventory, analyze sales trends, and much more!


Online Business Solutions

As an internet-based business or as a company planning to go online in the near future, you'll need an appealing eCommerce website that allows you to sell products or services while also accepting payments. This is where we can help.

A clean, professionally designed website is favorable for businesses because it establishes credibility, increases brand viability and reach, and generates more income.

EMS is committed to making the startup process as simple as possible for online Chattanooga small business owners like you. We offer everything from web design and online store design to ongoing hosting and a secure payment gateway for processing credit and debit card transactions and digital payments over the internet.

Working with EMS allows you to increase the effectiveness of your online presence while also increasing revenue.

The online payment processing options listed below are specifically designed for eCommerce providers like yourself.

-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 Chattanooga Payment Processing Company?

Electronic Merchant Systems embodies everything a business could want in a payment processor in Chattanooga, TN.

Exceptional Service & Tools

Top Merchant Services

Our client's financial well-being is enhanced by our innovative suite of business solutions, high level of quality service, and dedicated employees.

Every service and product offered by EMS is intended to help your business thrive and grow.


Highly Reviewed Credit Card Processing

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

Best Customer Support Payment Processor

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.


Payment Processing Near Me

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.

Our Philosophy

Merchant Services Near Me

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.


begin-accepting-credit-cards-in-chattanooga-tn-todayFrequently Asked Questions

1. How Do I Know Which Payment Processing Company to Pick?

You want to ensure that the credit card processing company you choose for your company has extensive industry knowledge and experience, competitive pricing, excellent customer service, enhanced functionality, and is secure. Don't limit your search to the largest payment processing companies,  the most widely used credit card readers, or the cheapest credit card processing. 

Sifting through numerous credit card processing companies and selecting the best one is critical and may lower the credit card processing rate.

2. What Exactly is a Merchant Account?

A merchant account enables your company to accept credit and debit cards as well as transfer funds from credit card purchases made by your customers.

When a credit or debit card is used to make a purchase at your establishment, 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 differ depending on your specific business type and the associated risk that the credit card networks have assigned and implemented.

Having said that, the majority of merchant businesses are eligible 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 overall 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 also provide additional tools to help you compete with big box stores.

Whatever the size of your company, you need a credit card processor who can help propel your brand by providing a wide range of business merchant services. Ask about EMS's loyalty programs, gift cards, and other services 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 Chattanooga 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?

Accepting credit cards has a wide range of costs. When you sign the contract with your payment processor, it is critical that you pay close attention to the fees that will be assessed.

Before you sign a contract with your payment processor, make sure you understand the fees you will be charged. Also, it's smart to inquire about the entire process. 

8. What Types of payment Can I accept?

Payment processing enables small businesses to accept both traditional stripe cards and EMV chip cards.

Mobile credit card processing is an excellent option for service-based businesses that do not have a physical location because it allows 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.

If you truly want to manage your entire business, you should use a POS system to ring up multiple items, track inventory, manage employees, and more.

A countertop terminal may be your best bet if you only accept payments from a physical, brick-and-mortar location.

A mobile POS system is an excellent choice if you accept payments at events such as trade shows, festivals, or farmers' markets.

For phone payments and invoices, you will want to discuss a virtual terminal.


Choose the Best Merchant Services and Credit Card Processing Solutions in Chattanooga


Electronic Merchant Systems takes great pride in the security, dependability, and trustworthiness of our services. This type of assistance is one of the many reasons why EMS has such a good relationship with our Chattanooga merchants.

At EMS, the phrase "no good merchant is left behind" is more than just a catchphrase. Our financial institution understands the needs of your business and is committed to assisting you in your success.

We are much more than simple merchant credit card services. At EMS, we are dedicated to handling all of your credit card processing needs, including:

  • eCommerce, email invoicing, contactless payment options
  • Streamlining your business operations
  • Providing the top payment processing tools and opportunities
  • Providing the best credit card rates
  • Minimizing your exposure to fraud losses
  • Improving your cash flow

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 Chattanooga businesses the most updated payment processing solutions that are simple and effective.

As previously stated, a quick glance at our 975+ Google Customer Reviews will reveal that we excel at providing exceptional products and services to business owners just like you.

We stand behind the quality of our product, but if you have any questions or concerns, you can rest assured that our customer service team is available 24 hours a day, seven days a week, to assist you.

If you are looking for the best Chattanooga, Tennessee payment processing solutions, please fill out the form below to get a consultation with one of our representatives.


Request a Consultation