Top Credit Card Payment Processing for Small Businesses in Albany

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

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 contemporary 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 be confident that the information provided by your consumers is safe and protected.

For more than ten years EMS has been a certified level 1 PCI provider.

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

Because of this, you may rest assured that you are totally protected with EMS, as explained above.

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 hassles.

We attempt to make the transaction procedure 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 Albany business already offers credit card processing services but requires 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 Albany, Oregon

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

EMS proudly offers businesses in Albany a variety 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 resources to accept all major credit cards with ease.

By working with us, you obtain a setup that is suited to your needs, along with specialized 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 dive into more detailed payment processing solutions for your type of business.

Albany Retail Store Solutions

Being a retail store owner can be more a little hectic. Thankfully, EMS can help streamline 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 employee hours, set up low quantity alerts, and much more.

Every service provided by EMS is geared to aid Albany 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 vital to business success. Our terminals handle EMV chip cards, contactless payments, and mobile wallets with safe, small terminals so you can accept both online and in-person payments.

-MaxxPay: MaxxPay POS is a tablet-based Point of Sale solution that effortlessly links a complete store with its consumers. 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 Albany small business. With gift and loyalty cards, business owners have an efficient, yet simple potential to grow sales and acquire new consumers.

Restaurant Solutions

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

From inventory management and product shipping to employee coordination 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 Albany restaurants intuitive tools to satisfy your diverse needs.

For restaurants, we are thrilled 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 operators can manage tables to reduce long wait times by boosting the speed of checkout.

-Payment Options: Do customers want to split checks by seat or by the full table? This is done simply using Total Touch, which saves your employees headaches and boosts customer experience.

-Easy-to-use interface: An interface that is simply navigable saves you time which, as we all know, saves you money. This streamlines your procedures and allows you to turn tables around faster.

-Online and Mobile Ordering: More and more customers in Albany are purchasing food online. With Total Touch’s online and mobile ordering function, your restaurant’s sales and efficiency will grow.

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

Service-Based Business Solutions in Albany, OR

A service-based business in Albany has a lot of moving pieces, from employee travel to quotations and 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 effective tool for your business.

Just think about it: you'll never have to hunt down clients to collect cash or checks 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 regular smartphone into a comprehensive credit and debit card acceptance device.

Get paid in advance of starting a job, and make it easier to get compensated for any additional labor. We're talking about the most straightforward technique to total client management. Essentially, it is 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 by email instead. This allows them to safely pay online with a simple click. Plus, you can see which invoices have been viewed and paid using 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 crucial areas of your operations with EMS’ cloud-based tool, the Merchant Console. You can monitor email invoice statuses, view all transactions, manage inventory, evaluate sales patterns, and more!

Online Business Solutions

As an internet-based business or as a company that hopes to go online in the near future, you need an appealing eCommerce website that allows you to offer products 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 viability and reach, develops credibility, and generates more income.

Our staff at EMS is dedicated to making the launch process as simple as possible for online Albany small business owners like you. We provide everything from web design and online store design to continuing 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 improve the effectiveness of your online presence while simultaneously generating more cash.

The online payment processing alternatives described below are developed exclusively for eCommerce suppliers such as yourself.

-Web Store: Increase customer reach and expand 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 Albany Payment Processing Company?

Electronic Merchant Systems embodies everything a business could want in a payment processor in Albany, OR.

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 incredible.

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 support, you’ll be welcomed by a real person.

We offer a competent, US-based team of customer support representatives that is accessible to our Merchants 24/7/365 by phone, email, and live chat.

Security

As a payment processor, we are basically a security consultant to your data. EMS takes company and consumer security very seriously. How seriously? Well, for over ten years EMS has been a certified level 1 PCI provider.

When you handle cards, PCI compliance goes a long way in terms of peace of mind.

Our Philosophy

Electronic Merchant Systems passionately believes in No Good Merchant Left Behind. If you are confident in your service or product, EMS wants to provide the payment processing solutions 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 vast expertise and experience in the field, reasonable pricing, good customer care, expanded functionality, and is secure. Don't only look at the largest payment processing company, the cheapest credit card processing, or the most popular credit card reader.

Sifting amongst various credit card processing companies and choosing the ideal one is vital 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 stated, 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 enforcing 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 give other tools to build you up against large companies, as well.

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 absolutely help with that. One of the other services that EMS offers is a funding project called BizFunds.

For Albany companies, 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 greatly. It’s vital that you pay attention to what fees will be levied when you sign the contract with your payment processor.

Make sure you understand the fees you’ll be imposed by the 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 standard stripe cards together with EMV chip cards.

Mobile credit card processing is an excellent choice for service-based businesses without a brick-and-mortar site for seamless payments and quick email invoicing.

9. What type of POS Equipment do I need?

This actually depends on your Business Operations and Model. The sort of credit card terminal you choose depends mostly upon the payments choices you wish to accept, as well as how you need to take those payments.

A POS system should be employed if you actually want to manage your complete business to ring up numerous things, maintain inventory, manage personnel, and more.

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

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 Albany

At Electronic Merchant Systems, we take great delight in the dependability, security, and trustworthiness of our services. It is because of this type of help that EMS has such a fantastic relationship with our Albany merchants, which is only one of many reasons.

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

We are much more than just business credit card services. 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 unreasonably slow transaction times that could alienate your customers.

Instead, choose EMS - where we offer Albany businesses the most updated payment processing solutions that are simple and effective.

As previously mentioned, just take a look at our 975+ Google Customer Reviews and you'll notice that we excel at providing fantastic products and services to business owners just like you.

We stand behind the integrity of our product, but if you have any questions or concerns, you can feel completely confident in knowing that our customer support team is here 24 hours a day, seven days a week to help you.

If you are looking for the best Albany, Oregon payment processing solutions, please fill out the form below to get a consultation.