Top Credit Card Payment Processing for Small Businesses in Champaign

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

When customers spend their money on goods and services, they want transactions to be quick, secure, and seamless in nature. That means they can pay by dipping, tapping, or swiping their credit or debit card.

However, just because you require innovative technology doesn't imply the method can't be straightforward - after all, simplicity and security are what you're delivering to your clients.

With EMS as your merchant services provider, you can rest assured that the information provided by your consumers is safe and secure.

For nearly ten years, EMS has been a certified level 1 PCI provider.

The Payment Card Industry Data Security Standard (PCI DSS) is a collection of regulations meant to ensure that all organizations that process, store, or transmit credit card information maintain a secure environment.

Because of this, you can be confident that you are totally protected with EMS.

As a result, we attempt to eliminate all of the burden associated with payment processing, allowing you to concentrate on providing exceptional service while also reaping the rewards of doing so without having to deal with any problems.

We attempt to make the transaction process as simple as possible so that your clients can pay attention to what really matters: your products and services.

A new credit card processing system may be necessary if your Champaign business already employs credit card processing services but needs 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 Champaign, Illinois

No matter what your business wants, Electronic Merchant Systems will deliver results.

EMS offers businesses in Champaign a wide range of secure payment processing options for both online and in-person transactions.

Whether your business is brick-and-mortar or click-and-mortar online, EMS gives businesses the capabilities to accept all major credit cards with ease.

By working with us, you obtain a setup that is customized to your needs, along with proprietary solutions that allow you to save money, streamline processes, 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.

Champaign Retail Store Solutions

Being a retail store owner can be more than a bit busy. Thankfully, EMS can assist in optimizing 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, monitor staff hours, set up low quantity alerts, and much more.

Every service provided by EMS is designed to support Champaign businesses in developing and thriving - while also making day-to-day operations more manageable and convenient.

The payment processing systems featured below are designed to fulfill the specific demands of any retail business, and they are straightforward to use.

-Credit Card Terminal: Credit card transactions are crucial for business success. Our terminals support EMV chip cards, mobile wallets, and contactless payments with secure, compact terminals so you can accept payments online and in person.

-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 Champaign small business. With gift and loyalty cards, business owners have an efficient, yet simple opportunity to increase sales and generate new customers.

Restaurant Solutions

Chances are, your list of tasks as a restaurant owner is as long as your beverages menu.

From inventory management and product shipping to employee collaboration and customer satisfaction, we realize you have a lot on your plate.

Payment processing can easily slip between the cracks.

That is why Electronic Merchant Systems gives Champaign restaurants intuitive tools to satisfy your diverse needs.

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 easy to use saves your staff time which, can help increase revenue. With streamlined processes and this allows you to turn tables around faster.

-Online and Mobile Ordering: More and more people in Champaign 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 Champaign, IL

A service-based business in Champaign has a lot of moving pieces, from employee travel to estimates and eventually to the actual delivery of their services.

EMSmobile is a solution designed by Electronic Merchant Systems to make life easier for its customers. EMSmobile is a comprehensive payment tool that combines a mobile payment app with a Virtual Terminal to create a smooth payment experience.

Using your mobile smartphone as a complete credit card point of sale, you'll find that receiving payments has never been simpler.

You are already aware of the relevance of your smartphone in your everyday activities. Consider how you could use it to your advantage as the most powerful solution for your business.

Just think about it: you'll never have to hunt down clients to take payments again. You will never have to stand in a bank line again.

It is possible to accept credit and debit card payments at your customer's home or place of business using the EMSmobile software, which transforms a basic smartphone into a comprehensive credit and debit card acceptance device.

Get paid in advance of a job, and make it easier to get rewarded for any additional labor. We're talking about the most straightforward technique to total customer administration. Essentially, it is a lifeline for small businesses.

Additional benefits of Electronic Merchant Systems’ Virtual Terminal include:

-Email Invoicing: If your customer had to leave before you've finished, you can 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 company or as a business that hopes to go online in the near future, you need an attractive eCommerce website that allows you to offer goods or services while also processing payments. This is where we come in.

It is beneficial for businesses to have a clean, professionally designed website since it boosts brand visibility and reach, develops credibility, and generates more income.

Our experts at EMS are dedicated to making the launch process as simple as possible for online Champaign small business owners like you. We provide everything from web design and online store design to ongoing hosting, as well as a secure payment gateway to process credit and debit card transactions and digital payments across the internet.

Working with EMS, you can increase the effectiveness of your online presence while simultaneously increasing revenue.

The online payment processing alternatives described below are developed exclusively for eCommerce suppliers 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 Champaign Payment Processing Company?

Electronic Merchant Systems embodies everything a business could want in a payment processor in Champaign, IL.

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 Custmer 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 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 individual business type and the related risk that has been assigned and executed by the credit card networks.

That being said, most 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 provide other tools to compete against large box businesses, as well.

No matter the size of your business, you need a credit card processor that helps boost your brand by delivering a comprehensive range of commercial merchant services. Ask about EMS' gift cards, loyalty programs, and additional possibilities, 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 Champaign 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 differs significantly. It’s vital that you pay attention to what fees will be charged 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 procedure.

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 depends on your Business Operations and Model. The sort of credit card terminal you chose depends mostly upon the payments choices you wish to accept and how you need to take those payments.

A POS system should be used if you really want to manage your complete organization to ring up numerous items, manage inventory, organize personnel, and more.

If you are only receiving payments from a physical, brick-and-mortar store, a countertop terminal may be your best choice.

If you accept payments at events such as trade exhibitions, festivals, or farmers’ markets, a mobile POS system is a perfect solution.

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

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

At Electronic Merchant Systems, we take great satisfaction in the dependability, security, and trustworthiness of our services. It is because of this type of help that EMS has such a great relationship with our Champaign merchants.

At EMS, the term no good merchant is left behind is more than just a motto. Our financial institution understands the demands of your business and is committed to aiding you in your success.

We are much more than just a merchant credit card services provider. At EMS, we are dedicated to addressing 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 Champaign businesses the most updated payment processing solutions that are simple and effective.

As stated previously, take a look at our 975+ Google Customer Reviews, and you'll see that we excel at offering the best products and services to business owners just like you.

We stand by the integrity of our product, but if you have any questions or issues, you can feel confident in knowing 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 Champaign, Illinois payment processing solutions, please fill out the form below to get a consultation.