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Spotlight Innovators

Formidable product set

There are many ways that businesses process payments and drive customers through their doors or website. Make
sure your partner has a full suite of products and services that fulfill the requirements of all of your opportunities
whether they are retail or card not present merchants, since quite often it is not just about processing rates.

Sure it is the payment processing you are after, but value-add products are often the door opener to the deal. Products
like payment gateways; gift cards; mobile POS; loyalty programs; responsive web design, will be valuable tools in
your sales arsenal.
Accelerated funding
Accelerated funding allows merchants quick access to their credit card transaction funding. Most credit card
processors fund transactions in two or three business days, but others offer accelerated funding whereas merchants
that batch out by 5 am will have their net sales receipts in their bank account by noon on the same day.

Accelerated Funding improves cash flow and operating efficiency. Having same-day access to your funds enhances
working capital and takes the stress out of meeting payroll demands, purchasing inventory, or any other business
expenses that need to be paid.
24/7 support

Merchants have problems at all hours of the day, as well as on weekends, so make sure there is a lifeline always
available for your merchants. It is advisable to dig a little deeper to determine if your partner's support desk is in-
house or outsourced since you will definitely see a difference in the level of service provided by in-house help desks.

Make sure that the support team is trained to handle questions, overcome challenges, and educate merchants on
payment acceptance as well as the value-added solutions they may offer. Bringing the deal to the table is the first step
but getting your merchants processing using value-added services is how you assure long-term residuals.
About Electronic Merchant Systems:

Electronic Merchant Systems (www.emscorporate.com), has been helping Agents realize their full potential since 1988.
Headquartered in Northeast Ohio, with sales offices 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 billion 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. Our mantra of "no good merchant left behind" is backed by
our thorough understanding of the unique needs of both retail and card not present merchants.

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