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“X” Payments – Merchant Services

Integrated payments, gift & loyalty, and BizFunds® capital — powered by EMS, delivered by XWeb Pros.

Merchant Processing

Accept payments online and in‑store

Secure, PCI-compliant gateways and terminals—whether you choose Paysley, a ValorPay VP800/VP550 smart POS on EMS, classic EMS countertop/wireless terminals (iCT220, Z11, Z9), or a gateway setup—give you EMV chip, tap-to-pay/NFC, and magstripe acceptance with unified reporting and tax-ready records across in-person, mobile, and online sales. For barcode/SKU workflows, the Valor VP800 adds dual touchscreens, onboard receipt printing, 4G/Wi-Fi/Bluetooth, and front/rear cameras that read 1D/2D codes for item scanning, plus dual pricing/surcharging options—ideal when you want POS + inventory + scanning in one device.

For teams that prefer a traditional counter setup, EMS offers the iCT220 (PCI-certified; EMV + optional contactless/mobile wallets) and touchscreen Z11/Z9 models for countertop or mobile use, so you can match hardware to the counter, queue, or field.

On the back office side, EMS Virtual Terminal adds browser/iOS/Android payment tools with inventory, customer management, reporting, recurring billing, secure card-vault profiles, email/SMS invoicing, and plug-and-play shopping-cart support—so you can key or schedule payments, then reconcile everything in one place.

Finally, if you need a gateway that drops neatly into existing sites, we supports Authorize.net or NMI, lets you send invoices by email/SMS, enable dual pricing, set up recurring billing, turn mobile devices into a POS, and manage fraud filters—great for WooCommerce, Shopify, or custom checkouts.

Gift & Loyalty Cards

Drive repeat purchases with branded cards

Launch and manage physical and digital gift cards alongside a fully integrated loyalty rewards program that connects your in-store and online experiences. Create custom-branded gift cards your customers can purchase, send, and redeem anywhere your business operates—whether in person or through your website. The loyalty system allows you to design points-based or tiered rewards, track customer engagement, and automatically issue rewards or promotions based on spending habits. Both programs share unified reporting, so you can easily monitor redemptions, balances, and customer activity in one dashboard. Together, these tools strengthen your brand, encourage repeat visits, and make it simple to reward loyal customers while driving long-term growth.

BizFunds® Working Capital

Turn future card sales into working capital

Fast access to funds with automatic batch-based retrieval aligned to your cash flow ensures you’re never waiting on long approval processes or fixed repayment schedules that don’t match your revenue cycle. Instead, funding is pulled as a small percentage of your daily batches, making repayment flexible and performance-based. This makes it an ideal solution for businesses looking to invest quickly in inventory restocking, seasonal marketing pushes, new equipment purchases, interior renovations, staffing, or expansion into new locations. With approvals often based on payment volume rather than credit alone, it’s a smart, low-friction way to fuel growth without disrupting operational momentum.
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