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

EMS' merchant services, can help simplify your responsibilities as a business owner easier while retaining the speed and accuracy of transactions.

Customers want transactions to be rapid, secure, and seamless when they spend money on goods and services. Our products allow customers the ability to pay with their credit or debit cards by dipping, tapping, or swiping them.

You can be confident that the information provided by your consumers is safe and secure when you utilize 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 laws aimed to ensure that ALL organizations that process, store, or transfer credit card information operate in a secure environment.

As a result, you may rest assured that you are entirely safeguarded with EMS, as mentioned above.

As a result, we strive to remove all of the constraints associated with payment processing, allowing you to focus on providing outstanding service while reaping the rewards of doing so without having to deal with any problems.

We aim to make the transaction method as simple as possible so that your clients may focus on what is genuinely important: your products and services.

If your St. Paul business presently uses credit card processing services but needs faster transaction solutions or wishes to handle transactions in a more modern manner, a new credit card processing system may be necessary.

So, what does that look like?

Accept Online & In-Person Payments in St. Paul, Minnesota

Electronic Merchant Systems has a variety of options for whatever your business needs are for payment processing.

EMS proudly offers businesses in St. Paul a spectrum 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 enables businesses the capabilities to accept all major credit cards with ease.

By working with us, you obtain a setup that is suited to your needs, along with exclusive 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 companies

To save you money on processing fees, EMS also provides a Surcharge Program, which allows you to charge customers 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 comfort of paying with a credit card while you incur minimal or no credit card processing fees.

Let’s have a more thorough look at the payment processing solutions for your type of business.

St. Paul Retail Store Solutions

Being the owner of a retail store may be highly stressful. Fortunately, EMS can help to streamline processes.

Electronic Merchant Systems is a market leader in retail point-of-sale systems.

With EMS' MaxxPay, you can not only accept all major credit cards including Visa, American Express, Discover, and MasterCard, but you can also add customized gift cards, check employee hours, set up low quantity alerts, and much more.

Every EMS service is created to help St. Paul businesses expand and thrive, while also making day-to-day operations more efficient and convenient.

The payment processing systems listed below are simple to use and customized to match the specific demands of any retail business.

-Credit Card Terminal: Credit card transactions are vital to profitable growth. With safe, small 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 effortlessly links a store with its consumers. You can process payments, manage inventory and more, with an all-in-one Point of Sale solution.

-Gift & Loyalty Cards: Customer retention and acquisition is vital for any St. Paul small business. With gift and loyalty cards, business owners have an efficient, yet simple potential to grow sales and acquire new consumers.

Restaurant Solutions

As a restaurant owner, your to-do list is likely to be as lengthy as your drink menu.

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

Payment processing can be easily overlooked.

As a result, Electronic Merchant Systems provides St. Paul restaurants with user-friendly tools to suit your different requirements.

Total Touch POS is a great option for restaurants and bars. Total Touch is a comprehensive restaurant POS system that offers features such as:

• Open Table Management: From the front of the house to the back, restaurant operators can control tables to reduce long wait times by enhancing the speed of checkout.

• Payment Options: Do patrons need to split checks per seat or by the full table? No problem, t his is done simply using Total Touch, which saves your employees headaches and improves customer experience.

• Easy-to-use interface: A easily navigated interface can save you time which, we all know, saves you money. Streamlining your procedures allows you to turn tables around faster.

• Online and Mobile Ordering: Residents of St. Paul are ordering food online more frequently. With Total Touch’s online and mobile ordering function, your restaurant’s sales and efficiency will grow with increased sales.

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

Service-Based Business Solutions in St. Paul, MN

A service-based business in St. Paul has a lot of moving parts, from employee travel to proposals and estimates to real 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 with a Virtual Terminal to give 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 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 converts a basic 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 solution to whole client management. It is essentially 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

If your business is only online or wants to go online soon, you'll need an appealing eCommerce website that allows you to sell goods and services while also accept payments. EMS is here to help.

With a well-designed, clean website, you can increase your business's brand viability and reach. This helps develop brand awareness, reputation, and increasing sales.

Our crew at EMS is committed to making the launch process as easy as possible for online St. Paul small business owners. We offer everything from website design to online store development, as well as ongoing hosting and a secure payment gateway for processing credit and debit card transactions and other online sales.

With EMS, you can enhance the effectiveness of your internet presence while also boosting revenue.

The following online payment processing options were created with eCommerce companies like yours in mind.

-Ecommerce Shopping Cart: Using an eCommerce shopping cart can help you expand your consumer base and revenue.

-Web Design: Make your life easy by hiring an expert to develop 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. Paul Payment Processing Company?

Electronic Merchant Systems embodies everything a business could want in a payment processor in St. Paul, MN.

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?

There are a few things you should consider when you are choosing a credit card processing provider. Choose a company with industry expertise and knowledge, as well as competitive pricing, excellent customer service, expanded functionality, and security.

2. What exactly is a Merchant Account?

A merchant account allows your business to accept and process credit and debit card payments.

When a customer pays with a credit or debit card your merchant account works in the background to remove monies from the consumer's bank account and deposit them in your business account.

3. Can my business qualify for a merchant account?

The majority of businesses are eligible for a merchant account, but there may be different application processes depending on the specifics of your type of business.

The application process will depend on the type of your business and the level of risk imposed and undertaken by the credit card networks.

4. How do merchants typically get burned by their payment processing provider?

It's important to choose a trustworthy payment processing company. Unfortunately, some service providers take advantage of business owners like you by:

• Misleading pricing or hidden surcharges

• Inadequate overall security

• Inadequate customer service

• Solutions/Payment methods that do not fit your business model

5. How can EMS help my business compete with the big companies?

While competing with other small businesses is vital, your merchant services provider should also equip you with resources to enable you to compete with big-box stores.

Regardless of the size of your business, you need a credit card processor who can help you develop your brand by delivering a broad range of business merchant services. Inquire about EMS gift cards, loyalty programs, and other services such as web hosting and design.

6. What if I need help with funding?

That is definitely something we can help with. We understand that small businesses need financial assistance. One of the extra services offered by EMS is a funding program termed as BizFunds.

We will purchase a predetermined percentage of future credit card sales volume to help provide upfront funding. Then instead of fixed monthly payments, you pay a percentage of your daily credit card sales back to us until it is paid in full.

7. What is the Cost of Payment Processing?

It is essential to carefully analyze the expenses that will be charged when signing a contract with a payment processor.

Before you sign a contract with a payment processor, be sure you understand the transaction fees.

8. What types of payment can I accept?

With EMS, your business will be able to accept both magnetic stripe and EMV chip cards.

Mobile credit card processing is the best solution for service-based businesses that do not have a physical location. It enables easy payments and prompt email invoicing.

9. What type of POS Equipment do I need?

This is highly dependent on the nature of your company and its operations. The payment types and strategies you need to accept will considerably impact the sort of credit card terminal you select.

A point-of-sale system is necessary if you want to handle your whole business, including ringing up various goods, storing inventory, and managing people.

If you only accept payments from a physical, brick-and-mortar store, a countertop terminal may be the best option.

A mobile point-of-sale system is great for accepting payments at trade exhibitions, festivals, and farmers' markets.

You should discuss a virtual terminal for phone and bill payments.

Choose the Best Merchant Services and Credit Card Processing Solutions in St. Paul

We take pride in the dependability, security, and trustworthiness of our services at Electronic Merchant Systems. This type of service is one of the primary reasons that EMS has such a good relationship with our St. Paul locations.

We are much more than a credit card processing firm. EMS is focused to meeting all of your credit card processing requirements, which include the following:

• Providing the most advantageous payment processing tools and chances

• Improving your availability of funds

• There are opportunities for eCommerce, email invoicing, and contactless payments.

• Streamlining your company's operations

• Offering the lowest credit card rates possible

• Keeping fraud loss to a minimum

Avoid spending another day with inadequate terminals or slow transaction speeds. Your business works hard for its customers, collecting the payment shouldn't take additional work.

EMS provides St. Paul businesses with the most advanced payment processing choices that are both simple and efficient.

Consider our 975+ Google Customer Reviews to get a deeper grasp of how we flourish at providing exceptional products and services to business owners like you.

We stand by the quality of our product, if you have any questions or issues, please know that our customer support team is here 24 hours a day, seven days a week to assist you.

If you are seeking for the best payment processing solutions in St. Paul, Minnesota, please fill out the form below for a consultation.