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Spotlight Innovators

lectronic Merchant Systems (www.emscorporate.
com), has been helping small and mid-size busi-
ness owners realize their full potential since 1988.
E Headquartered in Northeast Ohio, with sales offic-
es across the country, EMS provides trouble-free deployment
of customizable payment applications to increase business
profitability. EMS serves tens of thousands of retail, internet,
and start-up businesses nationwide, processing over $3 bil-
lion in annual payment card transactions. EMS, a recognized
payments industry leader and brand, increases its clients’
financial wellbeing through its innovative suite of business
solutions, high-quality service and professional employees.

What’s New:
Profit as you grow in merchant services

elling merchant processing systems can be rewarding in many ways. In addition to having the freedom to
decide when and where you work and how much compensation you receive, there's the satisfaction that comes
with being personally involved with your community. Each new day brings new opportunities to help small
S business owners stay ahead of their competitors.

If you're not feeling challenged in your current role, maybe it’s time to consider a change. The merchant services profession
offers many tangible benefits: the ability to earn competitive bonuses and commissions and work at your own pace, and
the intangible benefits of making a meaningful difference for a growing number of businesses in a community or vertical
industry.

The merchant services trade is ever-changing, providing numerous opportunities for professional growth. As you
continuously expand your industry knowledge, you will also improve your time management, sales planning, technical
and social networking skills. Additionally, you’ll learn to protect merchants and consumers at the point of purchase,
which will make you a better consumer.

A position selling merchant processing solutions will make a difference in three important areas: (1) quality of life, (2)
quality of occupation, and (3) unlimited income potential. Your work-hard, play-hard lifestyle will reward you with
a competitive income structure while giving you the freedom to be your own boss as you carve out your niche in the
payments industry.

Here are a few important factors that you should evaluate when choosing an Agent program:

Transparent agent contracts
Picking a partner is one of the most important decisions you can make for your business, so look for a partner that
understands that they have to earn your business every day. Read every contract thoroughly. When you compare
programs, you need to consider the language of the agent agreement and the Schedule A. You should fully understand
the residual split, your anticipated monthly income, and details regarding lifetime residuals. After all, you should be
able to grow your business on your own terms.

If you can’t understand the contract, the provider lacks much-needed transparency. You cannot excel as a merchant
services reseller if you do not understand the commission structure and how to optimize your business. Search for
programs that clearly define program details and back up their claims with evidence.
Portfolio management solutions
Transparency is also the key to success for the Portfolio Management System you are provided. A solid solution
provides you with unique insights into your merchant portfolio, helping you identify critical opportunities to
mitigate churn, determine profitability, and proactively manage your accounts.
A superior solution provides detailed residual reporting that drills down all the way to interchange levels; tracks
your deal statuses online for all submitted new deals; automates notification of new customer service tickets for
your merchants; includes a multi-tier commissions module that will help you streamline the complete lifecycle for
managing portfolios delivered through sub-agents.
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