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Envoy Business Systems Company Overview

Envoy Business Systems is a U.S.-based payments technology and ISO provider founded in 2014 and headquartered in Caldwell, New Jersey. The firm serves small and medium-sized businesses across retail, restaurants, B2B, e-commerce, hospitality, and high-risk verticals. Envoy partners with sponsor banks like Elavon to offer interchange-plus or flat-rate pricing and access to well-known terminal brands such as Clover, Poynt, US Cash Register, and SwipeSimple. Key features include next-day funding (as late as 11 pm ET), virtual terminals, mobile payment solutions, POS integrations, chargeback mitigation, Level 2/3 processing, loyalty and gift systems, ACH/check services, and cash advance products. The company promotes personalized support—often through field agents and accountants—and rapid onboarding. Merchants frequently praise hands-on guidance, rate reductions, statement clarity, and responsiveness. Independent review volume is moderate; available feedback generally rates service as reliable, while some mention variability depending on individual agents. Envoy distinguishes itself through flexible processor access, multiple vertical-specialized tools, and high-touch implementation orchestration.