Electronic Merchant Systems (EMS)
South Carolina Federal Credit Union has partnered with Electronic Merchant Systems (EMS) to be one step ahead of your customers needs. EMS provides convenient merchant services with added value for South Carolina Federal business members to help your business process transactions efficiently.
A Merchant Service Account is a service that allows businesses to accept electronic payments (credit and debit cards). The funds are deposited directly into their checking account within 72 hours of the transaction.
Credit & Debit Card Processing
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Features |
Benefits |
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Accept All Major Cards Through One Provider |
Improve Cash Flow |
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Multiple Point-of-Sale and Processing Options |
Increase Sales Through Higher Average Tickets |
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Debit/Check Card Processing |
Minimize Exposure to Fraud Losses |
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Offer Customers More Choices in Making Payments |
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Check Payment Solutions
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Features |
Benefits |
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Higher Percentage of Checks are Approved & Guaranteed |
Increase Sales by Accepting All Types of Checks |
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Merchant will not be Charged the Discount Fee on Transaction if Check Declined |
Including Out-of-State |
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Online Reporting of Activity through MOST |
Eliminate Bad Checks |
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ACH LockBox |
Quicker Availability of Funds |
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Merchant can choose from Multiple Options |
Gift & Loyalty Card Solutions
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Features |
Benefits |
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Custom Designed Cards |
Increase Customer Retention |
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Low Minimum Card Order |
Attract New Customers |
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Customized Loyalty Programs |
Generate Incremental Sales |
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Increase Security |
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Increase Control and Visibility |
eCommerce
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Features |
Benefits |
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Turnkey Web Store Solutions |
Multi-channel Sales |
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No Programming Required |
Reduced Selling Costs |
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Integrates with Existing Websites |
Market to the Affluent Web User |
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Solutions to Fit Anyone’s Budget |
Open All Night |
Contactless Transactions
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Features |
Benefits |
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Accept Credit/Debit Cards |
Reduce Cash Handling |
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Multiple Mounting Options |
Streamlined Payment Processing |
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Reader is Separate Peripheral |
Fast Transaction Times (62% Faster than Cash) |
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Increase Customer Spending |
Dynamic Currency Conversion
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Features |
Benefits |
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Accept the following currencies: |
Visibility of Charges Made for Foreign Denominations |
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Canadian Dollar (CAD) |
Ability to Enter Expenses Effortlessly |
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British Pound (GBP) |
Attract International Customers |
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Japanese Yen (YEN) |
Merchant Rebates on Transactions |
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European EURO (EUR) |
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Australian Dollar (AUD) |
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Mobile(wireless) Processing
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Features |
Benefits |
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Accept All Major Credit Cards |
Expandable Payment Base for Customers |
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Eliminate Bad Checks |
Reduce Fraud |
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Can be Used Anywhere in Wireless Network |
Increase Sales |
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Reduced Cost for Transactions |
Petro (Fleet Card)
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Features |
Benefits |
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Numerous Pay-at-the-Pump and Stand-alone |
Accept Credit and Offline Debit, Online Debit, Visa/MasterCard-branded Fleet, Wright Express Fleet, Voyager Fleet |
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Terminal Options |
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Consolidated Online Reporting |
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Dedicated Implementation Resources |
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Extensive Payment Forms |
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