Conducting An Audit of Your Payment Systems

Taking payments always seems like it would be straight forward and easy. You have a product and your customer hands over cash for that product. That should be the end. More than half of sales have payments in the form of a credit or debit card. Those are digital transfers of money. As you may […]

4 Tips for Preventing Chargebacks on Reoccurring and Subscription Payments.

Having a membership or subscription model business has been a trend in the way that businesses structure how products and services are sold. It is a great way to ensure future income and know how much labor will be needed. However, this business model does come with the likelihood of an increased risk of chargebacks. […]

3 Steps to Finding the Right Merchant Processing Account

Your incoming payments are your biggest asset (hopefully) and most payments today come in by credit card. Over 50% of payments received were by credit and debit card, according 2019 data report from the Federal Reserve Bank of San Francisco. Smart business owners know the 3 steps to finding the right merchant account and making […]

Top 4 Challenges Today’s Business Owners Face

Conducting business through a pandemic will have some definite repercussions. Do you know what challenges to address, especially ones that can cost you your bottom line? challenges that business owners today will face These have been identified as the top four challenges that business owners today will face. Increased disputes Increased fraud attempts Lost sales […]

Are You Thinking about Converting Your Business to Cashless?

Many businesses today are finding it easier to go cashless. Most businesses already no longer accept checks. Businesses often take cash and credit for goods and services, but most online businesses only accept digital payments. Have you wondered if going cashless is right for you? Here are some things to consider before making the change: […]

5 Tips on How to Spot Credit Card Fraud

If you are taking payments card-not-present transactions in your business, either over the phone or through your online shopping cart, you have likely experience credit card fraud. Over 80% of fraud happen in card-not-present situations. In some business models, this is the only way to take payments, so how do you protect yourself? As a […]

Mobile Payment Solutions

Do you feel like everything is changing at a speed that you cannot keep up? Are you having to change business practices to meet new customer needs? One big change that we are seeing is the need for flexible and mobile payment options. Some have moved to online payments with a curbside pick-up option (mostly […]

Use the Address Verification System (AVS) to Help Prevent Fraud

Payment systems have gotten much more complicated in the last 20 years. This will continue to happen as fraud prevention tools are becoming more sophisticated and complex. One fraud prevention tool that is important for all credit card transactions is AVS. AVS stands for Address Verification System. The card brands (Visa, MasterCard and Discover) require […]

5 Pitfalls to Avoid When Looking for Credit Card Processing

There are so many things to think about when owning a business. Payments are the most important part of a business and payment systems are often overlooked. Accepting payments is how your business will stay in business and should not be set up as if you are setting up a utility. Payments systems should be […]

Restaurant Payment Processing

With a solution set developed specifically for the restaurant sector, it’s no wonder Electronic Merchant Services (EMS) is the provider of choice across the hospitality industry. We understand the processing requirements of national chains, franchises and independent ownership. Our investments in restaurant specific applications and features have helped many food and beverage organizations optimize their […]

Electronic Merchant Services
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