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Electronic Merchant Services Company Overview
Electronic Merchant Systems (EMS) is a U.S.-based payment processor founded in 1988 and headquartered in Cleveland, Ohio. The company serves more than 35,000 merchants nationwide, providing EMV/NFC point-of-sale systems, mobile and virtual terminals, e-commerce payment gateways, ACH/e-check processing, loyalty and gift programs, and merchant funding options. EMS operates as a direct processor and offers 24/7 U.S.-based customer support. Its merchant base includes small businesses, franchises, and enterprise clients across retail, hospitality, and service sectors. Customer feedback is mixed—positive reviews often cite responsive support, helpful account representatives, and a broad range of payment tools, while critical reviews point to high equipment leasing fees, early termination penalties, long-term contracts, and occasional delays in fund disbursement. Employee reviews indicate competitive benefits but mention communication challenges and sales pressure in certain roles. EMS markets itself as a full-service, scalable payment provider, but prospective clients are advised to review all contract terms and pricing details before enrollment.
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