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Find the answers to the most common questions here.

Frequently Asked Questions

Find the answers to the most common questions here.

How much do you charge?
There are no monthly, start-up, cancellation, minimums … or any other kind of fees. Just the transaction charges when you swipe or manually key payment cards. Swiped VISA, Mastercard, and Discover transactions are processed at a rate of 2.25% … that’s it! Manually key entered transactions are charged at 3.5% & $0.15. American Express transactions are priced at 2.95%.
Why are manually keyed sales priced higher?

If you manually key enter the card number (non-swiped), the rate is 3.5% + $0.15. The credit card companies (VISA, MC, Discover, AMEX) charge us a higher rate for manually keyed transactions, because they assume that it is not a face to face transaction and is a considerably higher risk for fraud or chargeback. Their rationale is that a card swipe indicates that the cardholder is face to face with the merchant and this transaction is less risky than a phone, internet or Card-On-File type of transaction.

Is there a contract?

With EMSplus there is no contract regarding any time or money commitment … though there is a merchant account User Agreement that spells out the terms of use. It is accessible from the first screen in the signup form after GET YOUR FREE READER. Here is the link – https://signup.plusbyems.com/UserAgreement/

Where do I download your app?

You can find the iOS version of the app here – https://itunes.apple.com/us/app/emsplus/id610880440?mt=8

You can download the Android version of the app here – https://play.google.com/store/apps/details?id=com.ems.android&hl=en

 

Can I process debit cards?

EMSplus is able to process all debit cards bearing the Visa, Mastercard or Discover logo. The card is processed just like a credit card.

How do I get my money for sales I run?

The default funding time is 2 business days from the end of day auto-settlement of transactions. The money is deposited directly to your checking account … not to an intermediary account and not to a debit card.

NextDay funding is also available (upon request) after sign-up, and is enabled for most merchants with previous processing history, after a manual review of the online application information supplied.

Do you run a credit report on applicants?

The credit report is a “soft pull” or “soft inquiry” …meaning it will only be seen on a personal credit report. This has no impact on your scores.  Normally a low credit report score is not an issue. Not being able to verify that you actually are running a real business is, especially if you are running large $$ transactions.

Who is Electronic Merchant Systems?

Established in 1987, Electronic Merchant Systems has grown to become a leading provider of payment processing services. We process and safeguard many types of electronic payment transactions including all major credit cards, debit cards, EBT, stored-value and electronic check services.

Our customers receive unparalleled 24/7/365 service that has been the foundation of our payment processing organization. We service tens of thousands of retail, mail order, internet, home-based and start-up businesses nationwide.

How many card readers can I get?

We can ship you multiple card readers, if you will have multiple phones attached to your EMSplus account. Please order the number of readers you need on the final page of the Sign Up form.

How does my customer get a receipt?

EMSplus will immediately send a receipt to your customer’s email address. An optional printer/swiper device is available if you desire to print paper receipts.

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Electronic Merchant Systems is a registered ISO/MSP for BMO Harris Bank, NA, Schaumburg, Illinois, Esquire Bank, Jericho, NY, Merrick Bank, South Jordan, UT, and Chesapeake Bank, Kilmarnock, VA.