Electronic Merchant Systems
Reviews and Complaints

I have always like doing business with EMS. Their rates are much better than the last service we used. On Saturday, our pin pad died. We called and a very nice young man walked us through steps in trying to revive the thing. It was dead. He said he would have one shipped and we would get it on Tuesday. He had given us explicit instructions on how to use the terminal to take cards and how to reverse that when the new pad arrived. Within an hour of the new pin pad arriving, he called to see if it had gotten there and if we needed any help setting it up! Great service.

Ems Payment is a criminal organisation the fbi need to persecute this company and its seo. My merchant account have been cancelled but this criminals still steal money from my account, i have a rolling reserve of over $1000 with but they still steal from me. Who ever own this company is a professional con artist. I wish no good to this company they operate like mobs. They must be brought to justice for stealing and lying on there contracts. If anyone no any good lawyer that can help me fight a case with this criminal using payment processing to Lauder money and please email me.

I have a small loan co. with no corporate backing, EMS was there for me when I was unable to obtain CC processing else where. Their rates are reasonable for starter companies, our deposits were made within 48 business hours with out fail. They helped us with PCI compliance issues when they arose at no additional cost. Mike, Stephanie and their support staff have been nothing but friendly and helpful with each call we have made to them. At the end of our two year contract the reserve account was released with no problem. Thank you EMS for being there when Square dropped us for being a lender.

I have had a merchant account with Electronic Merchant Systems for 8 months now. I have to saw the experience has been wonderful. Always accurate and on time with payouts and all the other moving parts. I recently called with an issue and Michael *** helped me. He was incredible. Took time to explain every detail. Very patient and willing the go the extra mile to make sure I was happy. Can't think EMS enough for their strong partnership that is helping my business to succeed. I also have had a working Stripe account since 2014 but I have to say, I will be pushing all my transactions through EMS because it's hands down a better experience. Thank you

Beware of EMS These guys put a hold on my credit card deposits again(this time for 1 week and last time for 2 months). I called and spoke to Jackie in "customer service" all she does is yell and not give a reason as to why they have a hold on my funds. I want my money deposited in my bank account immediately. Reviews are fake. Notice how ems has all 5-star reviews but reviews stopped suddenly about a year ago? But you are still doing business? It's all B.S. My next move is to Contact the state and business licensing about EMS business practices. Chances are they will get a class-action lawsuit soon. Im sure ems screws over lots of businesses daily. Now we are really voicing our opinion online.

Everytime I call with a problem it takes several calls to get anything resolved and everytime they say I'll make a note of it and the next time I call they have no idea what I'm talking about. I have to start all over at the beginning etc etc. So frustrating. They refused to believe my machine was the problem until I had the phone company come out and check the line. Still messed around a few days. Decided to send me a new machine. I went to kinkos and faxed the info. They were supposed to overnight the machine. Two days later they said they were waiting on me. I sent them a copy of the confirmation letter from the fax. Needless to say I got the new machine 5 days later. That's one example ugh

I believe that EMS takes advantage of unsophisticated small businesses. When trying to close an account we were told that a $795 early termination fee was applicable and we were better off riding out the contract at $78 per month for the next year. When trying to close the account when we thought the contract was over we were told a form needed to be faxed to them. We faxed the form before the deadline. I have a receipt that it went through but was told by EMS that it was not received and that the account automatically renewed. We would subject to that same $795 early termination fee and that we should ride it out for another year at $78 per month. On top of that we were assessed non-compliance fees for not filling out a security questionnaire for a service that was not used for 2 years!

I would like to give this company a good rating but they really make it so hard. I have been dealing with them for 2 months now and it has literally stressed me to the point of thinking about quitting my business. Long story, short they have had my account on hold for like 2 months now. I have done everything to resolve this, then following up is just impossible and they give so much wrong information it's not even funny. Yers I am Talking about you Craig, Yes you told me the wrong information, man, up and just do your job instead of denying calls when someones are trying to resolve problems for their business. I hope Madeline really got on your head. I just want my account to be off hold so I can run my business. I would highly appreciate it. SHOUTOUT TO DARIUS. LITERALLY THE BEST REP THERE. ONLY TALK TO HIM>

i had some fraud on checking account so i put freeze on out going but can still get incoming on account at desert school reopen new account same bank filled out change form an the last 2 transactions went in old account that only accepts incoming . an now its been 3 weeks an every cust service rep tells a different story . they just make up stuff . I RECORD ALL CALLS . so i can prove its a scam . as of today i filled out paper work 2 times and now they say it will be another 2 days to see approx 4000 to hit my new account. BUT THEY COULD HAVE PUT IT IN OLD ACCOUNT because it will still accept incoming but devita i think her name is keeps changing story an lying about what is going on ... would love to start class action lawsuit . The guy in risk management seem to be the only one that was helpful an honest i didn't get his name

I've been with this company since 2020. However, I tried to cancel my account and was told I'd have to pay half since the account was supposed to be requested to close on a specific date. They told me then they'd be willing to take $200... at this point I just want the account close. Whenever you have to talk to someone they are almost never in office or not able to be reached. Now, I ask them if they could release my reserves and just take $200 out. I was told by Mike they won't be able to release my reserves until I pay the $200. This is absurd. I do not recommend and won't do business with this company again. There is no way you should have to pay a cancellation fee to close an account, especially when they already have all of these high fees. I typically never write bad reviews, but this is just not really fair to the consumers.

In June I contacted electronic merchant systems to cancel my account. After talking to this company I was told my account was canceled. In July I was still being charged. So I called back and was told that a retention team tried to call and email me about the cancellation. So I check my email address and phone number and seen no correspondence. Nevertheless, I was told my account would be canceled. When talking to EMS previously I told them my company wasn't making any money and never used the services for six months. Also, the company that referred me no longer uses the company. A week later I received an email for my account to be canceled and to give a reason, then fax or email the form. The form stated that an additional $595 would be collected. The $156 per month was already a burden but to charge $595 in fees is ridiculous. The website says you can contact them 24/7 with any problems. However, retention is only there 9 am -5 pm est time. Dealing with this company is becoming a nightmare situation. Sending an email to process my cancelation seems pointless because when I signed up this company was persistent to get me set up. However, to cancel feels like extortion.

I am a small business owner and I signed up with them when I first started. I was not really aware I was locked in a contract with them for 2 years. I don't like how they take advantage of small business owners. They're take a significant fee from me every time a transaction is processed and every beginning of the month for a monthly fee! Again, I am operating a small business once that monthly fee hits my account goes into the negative! For the sake of my business I can no longer afford. I called their retention center to cancel my account and they told me I need to pay $595 to get out of my contract! I already can't afford their fees! They told me to ride out the contract and pay the monthly fee, which I do not want to do! Again, I am a small business owner and can't afford that! I want OUT of my contract without the cancellation fee! They take advantage of new business owners and I don't like it. I also never received my PROMISED reserves that they hold a portion of my money! I also want my reserve money! I spoke with Mike *** 10/19 around 1:30pm, he told me they may be able match another competitor. I do not want to do that I NO LONGER WANT TO BE IN A CONTRACT WITH THEM. I am not happy.

They charge fees that they never advise of doing. You don't know it's going to happen or how much until it's deducted from your checking account. I asked to cancel my services. I was threatened with cancellation fees. I own my equipment, had been with them for over 2 years and my contract didn't specify any cancellation fees. March passes without any fees being deducted from my account. Then on April 1st they deducted $80. I hadn't used their services since January. On top of all this, they reported to the IRS that I made $4278 more than what I actually did. When I called for them to fix their mistake, they insisted that whatever they reported to the IRS was correct. I advised that I had every statement that they sent me, for each month of 2019 and none of it matched what was sent to the IRS. Then they said that the last couple days of each month carry over to the next month, so that $4278 must have been from the last couple days of December . That was the most absurd thing I had heard. I barely make $4000 in a month, let alone in a couple days. They refused to fix it and I was left paying taxes on money I never made. After discussing my experience with 2 coworkers. I found they had similar issues. One was actually reimbursed thousands of dollars in fees that they had been charging illegally and they other said that they continued to take money from her account months after cancelling her service. She owned her equipment as well. So beware...I wouldn't want my worse enemy doing buisness with EMS...well maybe them. Stick with Square.

I attempted to resolve an alleged balance today on 4/19/2022. I called Electronic Payment Solutions with the direct line (*** with the ***. *** answered immediately being rude cutting me off multiple times. I requested to pay $150 of the alleged balance of $250 after refusing to provide the breakdown of charges of invoices. He immediately questioned did I want to pay $150 today. I reply yes. *** with Electronic Payment Solutions replied back and said "Why not just pay $250?" & I almost had a meltdown. *** previously called me in early April disrespecting me stating he does not believe that I would call back and complaining about how he has been attempting to call. "If you been too busy, then you're too busy to handle your business." What kind of customer service skills are that? I was not able to complete any transactions due to the lack of customer service skills *** with Electronic Merchant Solutions executed. *** with the direct extension of 1444 should be TERMINATED for the lack of customer service professionalism & is not fit for the role to answer the phone.

My business has tried multiple times over the last few weeks to get ticket *** resolved, but not to avail. We have been assigned someone in the retention department, but he has not answered our messages and our customer service emails have gone unanswered as well. We want to end our relationship with this company because of the customer service, as well as the fees and unreliable credit processing machine, but it's not going anywhere. We can't get anything in writing and when I did talk to man in the retention department--one time before they stopped responding--he was condescending and gave us the most outrageous fees. There's an early contact termination fee of around $700 and he also told us that if we were dealing with another credit card company, they would also have to pay approximately $1400 to take over our account. They said they would match fees from other companies... but there's so much more than that, that has led us to make this decision. These fees outrageous, the service has been terrible, and I will never work with this company again once this is resolved nor would I ever recommend them.

I bought an existing business that used a certain merchant service provider. I tried to contact them to transfer the account into my name and access the previous owner's accounting information, but they were unhelpful. They insisted on information from the previous owner, not accepting a notarized purchase agreement as sufficient proof of ownership. Unable to obtain the necessary details from the prior owner and lacking alternative proof, I struggled for over a month. Eventually, I decided to cease working with them, but not before they renewed the previous owner's contract. I ended the contract by paying $595, a grievance echoed by others on Complaintsboard.com. Currently, I'm contending with the leasing aspect of the prior contract. My calls are often dismissed, with the respondent pretending not to hear me, despite using various phone numbers. Once, after reaching someone who asked for my number, they hung up and never returned the call, and subsequent attempts to contact them failed.

This is just information for others to be wary of this company EMS or electronic Merchant Services committing fraudulent activities. I have had the same issue as all the other complaints on this company to the Complaintsboard.com. The Government shut us down in March because of covid 19. We sold the business on March 31st. We called EMS to cancel the service. Same thing Mike says we need to pay $595 cancellation fee or keep the account open til December and be charged $39 monthly fee or this will be turned over to collections No sales no money. It is a complete scam this business is running and somehow they are still in business, After talking with my attorney, I have put a stop payment on this with my bank & requested that this company never be allowed to charge my account again. They misrepresent the contract on the initial sales call & I have this recorded and after talking with my attorney he advised to contact the Complaintsboard.com first before filing a lawsuit which in turn would cost me more then it is worth. I will be contacting the fraud department at the *** as well. Please do not have any representative from EMS contact me as they are rude and obnoxious.

EMS was the credit card processor for our business and on or about March 3, 2022 they froze the account, presumably because of what they deemed excessive chargebacks, and also froze some $7500 in sales transactions for sales we had processed through them. Even though we resolved half of the half dozen or so chargebacks in our favor, and even though EMS still has access to our company bank account to deduct any future charges against our merchant account, they decided unilaterally and not based on any clearly articulate policy or guidelinessm to withhold the $7500 for 210 days to insulate them from any future risk. In light of the fact that we would not be able to fulfill those sales if we did not receive payment for 210 days, I told them that I would have to refund all of the money to those customers since I could not deliver what they ordered. EMS refused to let me refund the money to my customers, insuring that all of those sales will be disputed, amounting to tortious interference with our contractual relationship with our customers. Additionally, EMS is engaging in unfair and deceptive business practices and causing unjust enrichment at our expense and to our detriment. They have no financial risk and are unjustly penalizing us by arbitrarily withholding our money and making us wait for seven months to see it.

We enrolled for over-the-internet credit card services with Electronic Merchant Services for a new website we are launching. It would involve a subscription service - with payment accepted via the website (shopping cart, etc.). The website is not yet ready so it has not been launched. We signed the agreement with EMS so they could work with our webmaster. Within days of signing the agreement (3rd week of 9), the pulled my personal credit record TWICE within days. This caused all three credit bureaus to put a freeze on my credit. I called & asked WHY DID YOU DO THAT? Never an answer. Then, by the end of September, they began charging our checking account with fees, including equipment rental fees - WHEN WE HAVE NO MACHINE! I called immediately to ask WHY? No answer, no reply. I contacted the sales rep I worked with, he said he'd straighten it out. NEVER GOT STRAIGHTENED OUT. The pulled over a hundred dollars from my checking account - FOR NO SERVICES RENDERED, in October, November, December and January. I sent them Certified Letters - which they got, but no answer. I contacted the sales rep to make him aware that I would visit their offices AND notify my bank that we stopped their service, to refuse any further electronic payments. As of 2/1, they had pulled a total of $575.22 - for NO SERVICE AT ALL! When I told them I'd be filing this complaint and disconnecting them from my bank, they electronic submitted a deposit to or checking account for $467.22; apparently keeping $108 for no reason at all.

These people are criminals. My journey with these people began after deciding to use them for processing it took TWO WEEKS to receive my first payment because of "sales verification". Another 1 week hold for "site visit" and another TWO WEEKS for excessive charge backs. Of course you're going to have chargebacks if you're only paid for two weeks while funds are held for 5 weeks. EMS was the credit card processor for our business and on June 6, 2022 they froze the account, presumably because of what they deemed excessive chargebacks, and also froze some $10,000 in sales transactions for sales we had processed through them. EMS still has access to our company bank account to deduct any future charges against our merchant account, they decided unilaterally and not based on any clearly articulate policy or guidelinessm to withhold the $10000 for 210 days to insulate them from any future risk. In light of the fact that we would not be able to fulfill those sales if we did not receive payment for 210 days. I could not deliver what they ordered. EMS refused to let me refund the money to my customers, insuring that all of those sales will be disputed, amounting to tortious interference with our contractual relationship with our customers. Additionally, EMS is engaging in unfair and deceptive business practices and causing unjust enrichment at our expense and to our detriment. They have no financial risk and are unjustly penalizing us by arbitrarily withholding our money and making us wait for seven months to see it. Two glaring criminal issues with this company first they hold your money for SEVEN MONTHS secondly the money they hold doesn't even go towards paying back any charge backs they still take it out of your bank account. These people are crooks.

After processing my third transaction with EMS, a representative reached out saying they needed to speak with the customer who paid for the service in order to verify the transaction. I provided all information proving that the customer verified the transaction including signed contracts and voice recordings. Nevertheless, the company stated they had to speak to the customer directly. The representative reached out twice to the customer (who had COVID and was sick) therefore the customer did not answer the phone to authorize the charge. According to EMS, if the customer did not answer on the third attempt they would hold ALL of my transactions and withhold my money for 6 MONTHS. So, I told them do NOT reach out to the customer. My plan was to get the customer on the phone myself and patch in the EMS representative. I told the EMS representative my plan and he agreed it was the best course of action to avoid the three strike limit. At 10 AM on 6/28 I sucesfully got the customer on the line and attempted patching in an EMS representative. No one answered. Then, I sent an email to the representative telling them I had the customer on the phone RIGHT NOW to authorize the transaction. The EMS representative was MIA (he was on lunch). Of course, I cannot keep a customer on for hours just to authorize a transaction he had already authorized, so I let him go. Unfortunately, the EMS representative saw the email I had sent 5 HOURS later and thought it was reasonable to call the customer since I had said he was "ready for a call RIGHT NOW" 5 hours prior. The customer did not answer. Even though I explicitly told EMS to not call the customer unless they were already on the phone with me and they agreed via email, the EMS representative intentionally disobeyed our agreement. This resulted in a 6 month hold of

I opened a Merchant account with Payment Cloud in or about August . I was told the EMS will be the merchant and I was provided with Authorize.net portal to conduct transactions. I had partnered with a buddy who was the technical person for our start-up. Having burned more than 50% of my savings into this venture, we had to shut down our operations. That also led for both of us to go our own ways as it did not end well on a personal level. The company account quickly dried up and we were out of hope and money. I emailed Authorize.net in to inform of our business closure. I also ended up paying charge back fees that hit our bank account out of my personal savings before closing the business bank account. Day before yesterday (2/2) I received a call from *** representing the EMS. I told him I will call him back since I was genuinely busy with something; and we ended up speaking this morning again (2/4). To say the least, I've never spoken with someone so bullish and also felt harassed by his tone. I told him the whole story in detail and he said that I owe a cancellation fee of about $595 and some other fee. He told me I had until 5PM tomorrow to accept "the deal" which is apparently a reduced claim amount of $626.27; and that I will have to call him back and pay it over the phone. The guy showed zero courtesy and won't even tell me his full name. He did get this "deal" sent over an email by a collection manager (***. Since *** won't give me his full name nor email address; I replied to *** with a few questions asking for the breakdown of the amount claimed, the reserve amount held by the EMS (10%) of each transaction and the total amount of the transactions conducted through EMS (which I recall was approx. $1,000). Despite the failed business and immense mental sufferings I've already gone through, I was actually looking to settle this amount by perhaps getting some concessions. But before I get to it, who would I even speak with? I really don't feel like paying a single penny to these guys. It makes me feel that these guys are waiting for your business to fail so they can come harass you. I did get an email on Sep 8 2020 "Please contact me regarding your merchant account. Your account is on hold due to a high chargeback ratio. You can reach me at *** That was a time when I was going through the worst depression of my life. Almost 5 months after that, what did I deserve to get this treatment?