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S Spotlightpotlight I Innovatorsnnovators

lectronic Merchant Systems has been helping
small and mid-size business owners realize
their full potential since 1988. Headquartered
E 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, process-
ing over $3 billion in annual payment card transactions.
EMS, a recognized payments industry leader and brand,
increases its clients’ financial wellbeing through its inno-
vative suite of business solutions, high-quality service
and professional employees.
What’s New:

Agent-First Processing, Part 1

n an industry defined by innovation, phrases like "digital-first," "mobile-first," and "customer-first" are popular. But,
isn't it time to put agents first? After all, where would the payments industry be without the talented, courageous
Not All Portfolio Buyers people like you who go and get the business every day? It's their determination, ingenuity, and stamina that fuels
I our industry's growth, year after year.
Are Created Equal.
Selling merchant processing solutions can be rewarding in many ways. A career as an independent agent gives you the
freedom to work where you want, when you want, all while making as much money as you want. It also provides the
satisfaction of helping fellow business owners during difficult times. Throughout the COVID-19 pandemic, agents have
The in dustry's trusted portfolio
been assisting small and midsized businesses in need. You have deployed eCommerce and social distance compliant
purchaser sin ce 2006
solutions and even helped merchants secure federal loans and working capital.
No new accounts requir ed – no
As an agent, you likely chose this business for its top three tangible benefits: (1) quality of life, (2) quality of occupation,
min im ums – no penaltie s and (3) unlimited income potential. You may have also been attracted to the intangible benefits, such as: (1) making a
difference for a growing number of businesses in a community or vertical industry, and (2) being at the epicenter of
technology innovation, where there is always something new to explore.
Keep your merchants wit h your
From Feet-on-Street to Hands-On
ISO – no convertin g - no movin g
Electronic Merchant Systems (www.emscorporate.com), has been helping agents reach their full potential since 1988.
- no sellin g your merchants
Technology and business models are always changing, but our agent-first model continues to stand the test of time.
Our skil led support team can take
We know today's agents are sophisticated entrepreneurs, not yesterday’s "feet on the street" salespeople. You demand
more from your processing partners. Some frequent complaints we hear from agents about their former processors are
over servic in g your merchants
a high percentage of declines, confusing and non-transparent residual reporting, lackluster product suites and portfolio
Full or Partia l Buyouts
management tools, and a serious lack of agent-first service.
Quic k Closures - Flexi le Deals -
These concerns are valid. Each of the following essentials can directly impact your bottom line:
• Deal Process: At EMS, we believe you deserve to know the status of every deal from the time you submit it until
Honest Valuatio ns
the approved account goes live. That's why we provide innovative tools to give you visibility into the entire deal
process. Tracking each deal from a secure portal and having access to underwriting will help you manage both
your business and your new customer’s expectations. Additionally, you will receive twice daily email updates on
the status of your deals.
We Buy Portfolios
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CUTTERFINANCIAL.COM
610.451.4096 acquisitions@cutterfinancial.com