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S Spotlightpotlight I Innovatorsnnovators

lectronic Merchant Systems (www.emscorporate.
com), has been helping small and mid-size
business owners realize their full potential
E since 1988. Headquartered in Northeast Ohio,
with sales offices across the country, EMS provides
trouble-free deployment of customizable payment appli-
cations to increase business profitability. EMS serves tens
of thousands of retail, internet, and start-up businesses
nationwide, processing over $3 billion in annual payment
card transactions. EMS, a recognized payments industry
leader and brand, increases its clients’ financial wellbeing
through its innovative suite of business solutions, high-
quality service and professional employees.

What’s New:

Agent-First Processing, Part 1

n an industry defined by innovation, phrases like "digital-first," "mobile-first," and "customer-first" are popular. But,
isn't it time to put agents first? After all, where would the payments industry be without the talented, courageous
people like you who go and get the business every day? It's your determination, ingenuity, and stamina that fuels
I our industry's growth, year after year.

Selling merchant processing solutions can be rewarding in many ways. A career as an independent agent gives you the
freedom to work where you want, when you want, all while making as much money as you want. It also provides the
satisfaction of helping fellow business owners during difficult times. Throughout the COVID-19 pandemic, agents have
been assisting small and midsized businesses in need. You have deployed eCommerce and social distance compliant
solutions and even helped merchants secure federal loans and working capital.

As an agent, you likely chose this business for its top three tangible benefits: (1) quality of life, (2) quality of occupation,
and (3) unlimited income potential. You may have also been attracted to the intangible benefits, such as: (1) making a
difference for a growing number of businesses in a community or vertical industry, and (2) being at the epicenter of
technology innovation, where there is always something new to explore.
From Feet-on-Street to Hands-On

Electronic Merchant Systems (www.emscorporate.com), has been helping agents reach their full potential since 1988.
Technology and business models are always changing, but our agent-first model continues to stand the test of time.
We know today's agents are sophisticated entrepreneurs, not yesterday’s "feet on the street" salespeople. You demand
more from your processing partners. Some frequent complaints we hear from agents about their former processors are
a high percentage of declines, confusing and non-transparent residual reporting, lackluster product suites and portfolio
management tools, and a serious lack of agent-first service.

These concerns are valid. Each of the following essentials can directly impact your bottom line:
• Deal Process: At EMS, we believe you deserve to know the status of every deal from the time you submit it until
the approved account goes live. That's why we provide innovative tools to give you visibility into the entire deal
process. Tracking each deal from a secure portal and having access to underwriting will help you manage both
your business and your new customer’s expectations. Additionally, you will receive twice daily email updates on
the status of your deals.
• More Approvals: You work hard to develop relationships with business owners and secure deals. Your expectations
should be that your processor will approve the merchant and get them up and running quickly. This is contingent
on the processors sponsor bank(s). EMS partners with 5 Sponsor Banks and we are always adding more to make
sure all good merchants get approved.
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