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S Spotlightpotlight I Innovatorsnnovators

lectronic Merchant Systems www.emscorporate.
com, has been helping small and mid-size busi-
ness owners realize their full potential since
E 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.
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.
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
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