Top Credit Card Payment Processing for Small Businesses in Wilmington

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

Customers expect transactions to be quick, secure, and seamless when they spend money on goods and services. With EMS' payment solutions, your customers will be able to pay by dipping, touching, or swiping their credit or debit 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.

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

The Payment Card Industry Data Security Standard (PCI DSS) is a set of requirements designed to ensure that ALL businesses that process, store, or transmit credit card information operate in a secure environment.

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

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 want 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 Wilmington 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 would that look like?

Accept Online & In-Person Payments in Wilmington, Delaware

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

EMS is proud to provide Wilmington 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 customized for you, as well as exclusive tools that will allow you to save money, streamline operations, and drive more sales.

The four major business types for which we provide payment processing are as follows:

• 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.

Wilmington Retail Store Solutions

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

Electronic Merchant Systems is an industry-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 Wilmington 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 the success of any business. With secure, compact terminals that support 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 connects an entire store to its customers seamlessly. With an all-in-one Point of Sale solution, you can process payments, manage inventory, and much more.

-Gift & Loyalty Cards: Customer retention and acquisition are critical for any Wilmington small business. Gift and loyalty cards provide business owners with an efficient and simple way 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 Wilmington restaurants with user-friendly tools to meet your diverse requirements.

We are happy to offer Total Touch POS to restaurants. 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 improves the 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 Wilmington 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 Wilmington, DE

A service-based business in Wilmington 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 efficient 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 before 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 before you're finished, you can 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: Accept payments using your mobile smart device or tablet.

-Secure Vault: Safely store customer credit card information for easy re-use.

-Automatic Billing: Set up recurring billing for service agreements. Any updates will be synced in real-time to every one of your EMSmobile devices.

-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 online-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 businesses because it increases brand visibility and reach, establishes credibility, and generates more income.

EMS is committed to making the startup process as simple as possible for online Wilmington 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 Wilmington Payment Processing Company?

Electronic Merchant Systems embodies everything a business could want in a payment processor in Wilmington, DE.

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.

Reviews

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.

Security

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

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.

Frequently Asked Questions

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 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 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 a lack of transparency in pricing

• A general lack of security

• Poor customer service

• Solutions/Payment methods that do not 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 assist you with this. One of the extra features provided by EMS is a funding program known as BizFunds.

To assist Wilmington businesses in raising capital, we will purchase a predetermined amount of your future sales volume.

The best part is that, instead of a fixed monthly payment, you pay a percentage of your daily sales until the merchant cash advance is 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 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.

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 Wilmington

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 Wilmington merchants.

The phrase "no good merchant is left behind" is more than just a catchphrase at EMS. Our financial institution understands your company's needs and is dedicated to assisting you in your success.

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 Wilmington 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 payment processing solutions in Wilmington, Delaware, please fill out the form below to request a consultation.