St. Peters, Missouri Credit Card Processing and Merchant Services

St. Peters, Missouri Credit Card Processing and Merchant Services

Are you looking for the top payment processing company in St. Peters, MO?

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.

Electronic Merchant Systems can help your St. Peters business expand and develop by providing integrated payment processing solutions. EMS may provide you with a traditional 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 sound like great opportunities to grow your business, we think we'd be a great fit. We'd love to assist you in reaching your goals.

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


Before making a decision, would you like to learn more about Electronic Merchant Systems? Are you wondering who we are what we are about?

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.

Learn more by checking out our table of contents where we dive into unique benefits for each business type.

Table of Contents


Top Credit Card Payment Processing for Small Businesses in St. Peters

The ultimate goal of Electronic Merchant Systems is to provide exceptional payment processing and merchant services solutions to local St. Peters businesses in order to make your life easier without sacrificing quality, efficiency, or speed.

When customers spend money on goods and services, they expect transactions to be quick, secure, and seamless. In other words, they want to be able to pay by dipping, touching, or swiping their credit or debit card.

However, just because you require current technology does not preclude a simple approach; after all, you are providing simplicity and security to your clients.

When you use EMS as your merchant services provider, you can be confident that the information provided by your customers is safe and secure.

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.

Because of this, you may rest confident that you are entirely safe with EMS, as described above.

As a result, we strive to remove all unnecessary stress from payment processing, allowing you to focus on providing the best service while reaping the benefits of doing so without fear.

We simplify the transaction process for your customers so they can focus on what matters most: your products and services.

If your St. Peters business already accepts credit cards but needs faster transaction solutions or wants to handle transactions in a more modern manner, a new Point of Sale terminal may be required.

So, what exactly does that look like?

Accept Online & In-Person Payments in St. Peters, Missouri


Electronic Merchant Systems will meet your business's needs no matter what they are.

EMS is pleased to offer St. Peters businesses secure payment processing options for both online and in-person transactions.

EMS enables businesses, whether brick-and-mortar or click-and-mortar online, to easily accept all major credit cards.

By partnering with us, you will receive a setup tailored to your needs, as well as exclusive tools that will allow you to save money, streamline operations, and drive more sales. The four main business types we provide payment processing for include:

  • Retail stores
  • Restaurants
  • 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.

St. Peters Retail Store Solutions

Being a retail store owner can be more than a little hectic. Thankfully, EMS can help streamline operations.

Electronic Merchant Systems is an industry-leading retail Point of Sale systems provider.

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 intended to assist St. Peters businesses in expanding while also making day-to-day operations more manageable and convenient.

The payment processing technologies listed here are simple to use and are tailored to 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 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

Your to-do list as a restaurant owner is likely to be as long as your cocktail menu.

We understand that you have a lot on your plate, from inventory management and product shipping to employee coordination and customer service.

In the midst of everything else, it's easy to lose sight of payment processing.

As a result, Electronic Merchant Systems provides St. Peters restaurants with user-friendly tools to meet their various needs.

restaurant-pos-solutions-in-st.-peters-moFor 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 easily navigable interface saves you time, which, as we all know, saves you money. This simplifies your processes and allows you to turn tables more quickly.

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

When you work with EMS, you're providing your customers with the best dining experience possible.


Service-Based Business Solutions in St. Peters, MO

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

EMSmobile was created by Electronic Merchant Systems to make life easier for its customers. EMSmobile is a multifaceted payment solution that combines mobile payment software with a virtual terminal to provide a unified payment experience.

Receiving payments has never been easier than with your mobile device acting as a full-service credit card point of sale.

You're already aware of how important your smartphone is in your daily life. Consider how useful it could be for your company.

Consider this: you'll never have to go out of your way to find customers to collect cash or checks again. You'll never have to stand in line again at the bank.

The software from EMSmobile transforms a standard smartphone into a full credit and debit card acceptance device, allowing you to accept payments from your customers' homes or places of business.

If you are paid before you begin working, it will be easier to get compensated for any overtime. We're talking about the most basic method for handling all aspects of client management. It is, in essence, a lifeline for small businesses.

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

As an internet-based business or as a company that intends to go online in the near future, you need an appealing eCommerce website that allows you to offer items or services while also processing payments. This is where EMS comes in.

A clean, professionally designed website is useful to organizations since it boosts brand viability and reach, develops credibility, and generates more revenue.

Our team at EMS is dedicated to making the startup process as simple as possible for online St. Peters small business owners. We provide website design and online store development, as well as ongoing hosting and a secure payment gateway for processing credit and debit card transactions and digital payments over the internet.

You can increase the effectiveness of your online presence while also increasing revenue by partnering with EMS.

The online payment processing options listed below are designed specifically for eCommerce providers such as 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 St. Peters Payment Processing Company?

Electronic Merchant Systems embodies everything a business could want in a payment processor in St. Peters, MO.

Exceptional Service & Tools

Top Merchant Services

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.


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

reliable 24/7 customer support

You'll probably never need to contact our industry-recognized customer support, but if you do, you'll be met by a live person.

We offer a knowledgeable, US-based staff of customer care representatives available to our Merchants via phone, email, and live chat 24 hours a day, 7 days a week.



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.


start-accepting-credit-cards-in-st.-peters-mo-todayFrequently Asked Questions

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

You should ensure that the credit card processing company you select for your business has extensive experience and knowledge in the field, as well as reasonable pricing, excellent customer service, expanded functionality, and security.

Consider more than just the largest payment processors, the most affordable credit card processing, or the most widely used credit card reader.

It is critical to sift through all of your credit card processing company options and choose the best one, which may result in a lower 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 individual business type and the associated risk that the credit card networks have allocated and implemented.

However, 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 box companies?

Competing against other small businesses is one thing, but your merchant services provider should also provide you with tools to help you compete against big-box stores.

Regardless of the size of your company, you need a credit card processor who can help you improve your brand by offering a variety of business merchant services. Inquire about EMS gift cards, loyalty programs, and other web hosting and design services.


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 St. Peters 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. When you sign a contract with your payment processor, it's vital that you pay attention to the fees that will be charged.

Before you sign a contract with your payment processor, make sure you understand the fees you'll be charged. Also, inquire about the full procedure.


8. What types of payment can I accept?

Payment processing enables small businesses to accept both traditional magnetic 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. Visa, Discover, American Express, and Mastercard should all be accepted.


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 St. Peters


We take great pride in the dependability, security, and trustworthiness of our services at Electronic Merchant Systems. This type of assistance is one of the many reasons why EMS has such a positive relationship with our St. Peters merchants.

At EMS, the phrase no good merchant is left behind is more than just a slogan. Our financial institution understands the demands of your company 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:

  • 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 St. Peters 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 St. Peters, Missouri payment processing solutions, please fill out the form below to get a consultation.

Request a Consultation