West Des Moines, Iowa Credit Card Processing and Merchant Services

West Des Moines, Iowa Credit Card Processing and Merchant Services

Looking for the best payment processing company in West Des Moines, IA? Electronic Merchant Systems offers straightforward, all-inclusive merchant services.

I'm guessing you have high processing rates and fees that are rapidly deteriorating your bottom line.

Perhaps you'd like to expand your business by accepting credit cards.

If this is the case, we can help.

Electronic Merchant Systems offers dependable payment processing solutions for your West Des Moines business, whether you need a traditional payment terminal, a mobile payment solution, or an eCommerce payment gateway.

For over 30 years, Electronic Merchant Systems has been aiding small businesses like yours in reaching their full potential.

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 factors above strike you as significant growth potential opportunities, you're our type of business. We would be pleased to assist you in achieving your objectives.

The first step is to take action by requesting a free consultation, you can do this 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 a little more to 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 West Des Moines

When you use EMS' merchant services, you make your life as a business owner easier while maintaining quality and speed.

Customers want transactions to be speedy, secure, and frictionless when they spend money on goods and services. Customers can pay with their credit or debit cards by dipping, tapping, or swiping them.

However, just because you require modern technology doesn't mean the approach can't be simple; after all, you're providing your clients convenience and security.

You can be confident that the information provided by your consumers is safe and secure when you use EMS as your merchant services provider.

EMS has been a certified level 1 PCI provider for over ten years.

The Payment Card Industry Data Security Standard (PCI DSS) is a collection of regulations meant to ensure that ALL businesses that process, store, or transport credit card information operate in a secure environment.

As a result, you may rest assured that you are completely protected with EMS, as explained above.

As a result, we attempt 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 hassles.

We strive to make the transaction process as simple as possible so that your customers can devote their attention to what really matters: your products and services.

A new credit card processing system may be necessary if your West Des Moines business already uses credit card processing services but demands faster transaction solutions or want to handle transactions in a more modern manner.

So, what does that look like?

Accept Online & In-Person Payments in West Des Moines, Iowa


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

EMS is delighted to provide West Des Moines 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
  • Restaurants
  • Service-based businesses
  • Online and eCommerce businesses

EMS also provides a Surcharge Program, which allows you to charge consumers who pay with a debit or credit card to offset the transaction expenses that would otherwise be your responsibility. This allows consumers to continue to enjoy the ease of paying with a credit card while you incur minimal or no credit card processing fees.

Let’s take a look at more detailed payment processing solutions for your type of business.

West Des Moines Retail Store Solutions

Being a retail store owner may be quite stressful. Fortunately, EMS can assist in streamlining processes.

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, check employee hours, set up low quantity alerts, and much more.


Every EMS service is intended to assist West Des Moines businesses in expanding and thriving while also making day-to-day operations more manageable and convenient.

The payment processing systems described here are simple to use and can be customized to match the specific demands of any retail business.

-Credit Card Terminal: Credit card transactions are critical to business success. With safe, compact terminals that enable EMV chip cards, contactless payments, and mobile wallets, 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 West Des Moines 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 almost certainly as long as your drink menu.

We recognize that you have a lot on your plate, from inventory management and product shipment to personnel coordination and customer service.

Payment processing is prone to falling between the cracks.

As a result, Electronic Merchant Systems offers West Des Moines restaurants user-friendly tools to meet your different needs.

We are particularly pleased to provide Total Touch POS to restaurants and bars. Total Touch is a comprehensive restaurant POS system that offers features 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 West Des Moines 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 absolute best dining experience possible. 


Service-Based Business Solutions in West Des Moines, IA

A service-based business in West Des Moines has a lot of moving components, from employee travel to bids and estimates to actual service delivery.

Electronic Merchant Systems built EMSmobile to make life easier for its customers. EMSmobile is a comprehensive payment tool that combines a mobile payment software with 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 significance of your smartphone in your daily life. Consider how you might 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 transforms a basic smartphone into a sophisticated credit and debit card acceptance device.

Get paid in advance of starting a job, and make it easier to get compensated for any extra labor. We're talking about the most straightforward approach to overall customer management. It is effectively 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 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 advantageous for organizations since it boosts brand viability and reach, builds credibility, and generates more revenue.

EMS is committed to making the launch process as simple as possible for online West Des Moines small business entrepreneurs like you. We offer everything from web design and online store design to continuous 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 methods listed below are specifically designed for eCommerce businesses 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 West Des Moines Payment Processing Company?

Electronic Merchant Systems embodies everything a business could want in a payment processor in West Des Moines, IA.

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

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.


start-accepting-credit-cards-in-west-des-moines-ia-todayFrequently Asked Questions

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

You want to make sure that the credit card processing company you choose for your business has a lot of experience and understanding in the field, as well as reasonable pricing, good customer service, expanded functionality, and extensive security. Don't limit yourself to the biggest payment processors, the cheapest credit card processing, or the most widely used credit card reader.

Sifting through a plethora of credit card processing firms and selecting the best one is critical, and it could 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 to transmit payments from credit card purchases.

When a consumer makes a purchase at your business using a credit or debit card, your merchant account works in the background to withdraw funds from the customer's bank account and deposit them into your business 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 companies?

It's one thing to compete against other small businesses, but your merchant services provider should also equip you with tools to help you compete against big-box retailers.

You need a credit card processor that can help you enhance your brand by providing a comprehensive range of business merchant services, regardless of the size of your company. Ask about EMS' gift cards, loyalty programs, and other services like web hosting and design.

6. What if I need help with funding?

That is something we can surely assist with. A funding program called BizFunds is one of the extra features that EMS provides.

To help West Des Moines companies raise funds, we will purchase a pre-determined quantity of future sales volume.

The best aspect is that you pay an agreed-upon percentage of your daily sales until the merchant cash advance is paid in full, rather than a fixed monthly payment.

7. What is the Cost of Payment Processing?

Accepting credit cards has a wide range of costs. 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 complete process.

8. What types of payment can I accept?

Small businesses can accept both standard stripe and EMV chip cards through payment processing.

For seamless payments and quick email invoicing, mobile credit card processing is a wonderful alternative for service-based businesses without a brick-and-mortar site.

9. What type of POS Equipment do I need?

This is entirely dependent on your business model and operations. The sort of credit card terminal you choose is largely determined by the types of payments you want to accept and how you want to accept them.

If you actually want to manage your complete business, including ringing up numerous goods, tracking inventory, managing staff, and more, you should utilize a POS system.

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

A mobile POS system is ideal for accepting payments at events such as trade exhibitions, festivals, and farmers' markets.

You'll want a virtual terminal for phone payments and invoices.

Choose the Best Merchant Services and Credit Card Processing Solutions in West Des Moines


At Electronic Merchant Systems, we take pride in the dependability, security, and trustworthiness of our services. This type of assistance is one of the main reasons why EMS has such a strong relationship with our West Des Moines businesses.

At EMS, the phrase no good merchant left behind is more than just a catchphrase. Our financial institution is aware of your company's requirements and is committed to assisting you in accomplishing your professional objectives.

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 West Des Moines businesses the most updated payment processing solutions that are simple and effective.

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

We stand by the quality of our product, but if you have any questions or issues, you can rest assured that our customer service team is here 24 hours a day, seven days a week to assist you.
If you are looking for the best West Des Moines, Iowa payment processing solutions, please fill out the form below to get a consultation.


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