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EmeraldPay Gateway — One Gateway. Every Way to Get Paid.
The EmeraldPay Gateway

One Gateway. Every Way Your Customers Want to Pay.

Online Checkout. Tap-on-phone. Text-message invoices. ACH & Check Payments. Recurring payments. All running on a single payment gateway. One dashboard to manage it all.

Level 1 PCI DSS Tokenized storage Works with your existing website
Every Channel, One Account

Every Way Your Customers Want to Pay

One gateway, one merchant account, one dashboard. Every acceptance method below runs through the same system.

Online Checkout

Hosted checkout page or embedded directly on your site. Mobile-optimized.

No Hardware

Tap-on-Phone

Any NFC smartphone becomes your terminal. Accept chip cards, contactless, and wallets.

In-Person Terminal

Pair with a dedicated countertop or mobile POS terminal if you need one.

ACH / eCheck

Accept check payments via ACH from customers who'd rather pay from their bank account.

Electronic Invoicing

Email branded invoices. Customer clicks, pays, gets an emailed receipt.

QR & Pay Links

Generate a QR code or shareable URL. Works on signage, receipts, and text messages.

Recurring Billing

Automated subscriptions, installment plans, and memberships with auto-retry.

Phone & Mail Orders

Key in card or bank details from a browser. Built for keyed transactions, over-the-counter charges, and one-off payments.

★ Priority Feature · ACH

Some Customers Want to Pay with check.

Law firms. Property management companies. Home-services businesses. Bank payments come up constantly and it's one of the most requested features we hear from merchants.

Built-in ACH and eCheck acceptance runs through the same gateway as everything else. One login, one dashboard, one reconciliation. It's another acceptance method alongside cards and mobile wallets, not a separate system to manage.

  • Accept eChecks at checkout, through invoices, or via the virtual terminal
  • Store bank details in the tokenized vault for memberships, installments, and repeat B2B billing
  • Level 1 PCI DSS security — bank details are tokenized, never stored on your systems
  • One unified view — cards, eChecks, and wallets land in the same dashboard and reconciliation
Close-up of a pen about to sign a bank check
eCheck Processed · $4,850
★ Priority Feature · Mobile

Your Phone Is Already the Terminal. You Just Need the App.

Any modern NFC-enabled iPhone or Android can accept chip cards, contactless, and mobile wallet payments. No dongle, no Bluetooth reader, no countertop hardware. Log in, enter the amount, hand the phone over for the customer to pay.

  • Zero hardware — works on any phone or tablet with NFC
  • Accept everything — EMV chip, contactless cards, Apple Pay, Google Pay, smartwatches
  • Tipping, voids, digital receipts — built into the app, no add-ons required
  • Same back-office — every sale flows into the same dashboard as your online and terminal transactions
Built for: mobile services, field sales, pop-ups and markets, delivery, curbside, seasonal staff, or any time you're away from the counter.
Ready to Tap
$47.00
Amount Due
$124.50
Tap-to-Pay · Approved
Priority Feature · Recurring Payments

Recurring payments Without the Spreadsheet.

Set up monthly plans, payment schedules, installment agreements, or memberships in the gateway. The system handles failed-payment retries, refreshes expired cards through the card networks, and stores payment methods in a tokenized vault.

  • Flexible recurring schedules — subscription plans, memberships, and installment billing
  • Automatic Card Updater keeps stored cards current when they expire or get reissued
  • Failed-payment handling built in — retries managed without manual follow-up
  • Works with ACH and cards — useful for memberships where the customer prefers bank payment
Analytics dashboard showing recurring revenue
MRR Collected · Auto
Priority Feature · Invoicing

From Sent Invoice to Paid in One Click.

Send a branded digital invoice by email, share a payment link via text, or print a QR code on signs, receipts, or business cards. Customers pay by card, ACH, or mobile wallet — no account required, no login needed. You get an instant notification and a PDF receipt lands in their inbox.

  • Branded invoice emails with your logo and colors — line-item detail, taxes, and notes
  • Pay-by-link URLs that work over SMS, DM, or email — mobile-optimized landing page
  • QR codes for signage, markets, trade shows, and printed materials
  • Track invoice status in real time — see what's been paid and what's overdue
Laptop workspace — sending and tracking digital invoices
Invoice Paid · Just now
Full Feature Set

What Else Is Included.

All of the following are built into the gateway. No separate add-ons, no per-feature subscriptions.

Virtual Terminal

Browser-based tool for charging any card or bank account manually. Handles sales, refunds, credits — no hardware, no install.

Customer Vault

Tokenized card and bank storage at Level 1 PCI DSS. Raw payment data never touches your systems.

125+ Shopping Cart Plugins

WooCommerce, Shopify, Magento, BigCommerce, OpenCart, and 120+ more — plus developer APIs for custom builds.

Fraud Defense Suite

Customizable rule-based screening, AVS, CVV verification, and 3D Secure. Blocks risky transactions before they process.

QuickBooks Sync

Bill Connect pushes transaction data directly into QuickBooks. Skip the month-end copy-paste.

Real-Time Reporting

Every transaction, channel, and employee — filtered, searchable, and exportable from a browser.

Automatic Card Updater

Syncs with Visa and Mastercard to refresh expired or reissued cards. Recurring billing keeps running.

Multi-Currency

Accept payments in major global currencies. Built for online sellers and cross-border services.

Batch Processing

Upload a spreadsheet and process hundreds of transactions at once. Built for large invoice runs and vault updates.

Connects with the tools you already use

WooCommerce
Shopify
Magento
BigCommerce
WordPress
QuickBooks
OpenCart
+ 120 more
Security

Certified at the Highest Compliance Tier.

Handling customer payment data carries real liability. The gateway is independently audited and certified to the strictest security standards in the payments industry.

Level 1 PCI DSS

The top certification level in the payments industry. Independently audited.

Tokenization

Card and bank details are replaced with tokens. Raw data never lives on your systems.

3D Secure

Verified by Visa and Mastercard SecureCode for card-not-present transactions. Shifts chargeback liability.

End-to-End Encryption

Transactions encrypted in transit and at rest. Fraud monitoring runs on every transaction.

Who It's For

Built for the Way Small Businesses Actually Operate.

If your business takes payment in more than one way — or wants to — the gateway fits. Common setups:

Service & Trade Businesses

Contractors, cleaners, HVAC, plumbers, landscapers. Tap-on-phone for on-site deposits, invoice from the truck, offer eChecks for customers who prefer bank payment.

★ Tap-on-Phone + ACH + Invoicing

Subscription & Membership

SaaS, gyms, box services, professional memberships, tutoring programs. Automate billing, retry failures, keep cards current.

★ Recurring Billing + Customer Vault

E-commerce & Retail

WooCommerce or Shopify store, plus a physical location or popup. Unify online + in-person reporting in one account.

★ Cart Plugins + In-Person + Wallets

B2B & Professional Services

Agencies, consultants, law firms, accountants. Net-30 invoicing with pay-by-link, virtual terminal for phone orders, ACH and cards side by side.

★ Invoicing + ACH + Virtual Terminal

Mobile & Field Sales

Delivery, food trucks, farmers markets, pop-ups, mobile vendors, seasonal businesses. No hardware to carry, no countertop required.

★ Tap-on-Phone + QR Codes

High-Ticket Services

Clinics, medical/dental, tuition, private coaching, home improvement. Split payments, recurring plans, and bank payments for clients who'd rather skip the card.

★ Recurring + ACH + Customer Vault
Frequently Asked

Questions Before You Apply.

Does this work with my existing website and checkout?

Yes. The gateway offers 125+ pre-built shopping cart plugins including WooCommerce, Shopify, Magento, BigCommerce, and OpenCart. For custom sites, there's a hosted checkout page (zero code), an embeddable low-code option, and full developer APIs. Your existing site stays — only what processes the payment changes.

Can I accept ACH and cards through the same system?

Yes. Cards, ACH/eCheck, and mobile wallets run through the same gateway. One dashboard, one reconciliation. Offer whichever payment methods fit your business — everything flows into the same back-office.

What exactly is "tap-on-phone" and how is it different from a card reader?

Tap-on-Phone (also called softPOS) turns any NFC-enabled iPhone or Android into a contactless payment terminal. Your customer holds their card, phone, or watch near the back of your device. No dongle, no Bluetooth reader, no countertop hardware. It uses the same encryption and PCI-compliant infrastructure as a traditional terminal, and it's certified under the PCI Mobile Payments on COTS (MPoC) standard. Works as a primary method for mobile businesses or as a backup terminal for busy periods.

How secure is storing customer payment info in the vault?

The Customer Vault is certified at Level 1 PCI DSS — the highest compliance tier in the payments industry. When a customer pays, their card or bank details are replaced with a unique token. You use the token to charge them again for subscriptions or repeat orders, but the raw data never lives on your systems. This reduces your PCI scope and your liability exposure in the event of a breach.

What about QuickBooks and accounting integration?

Built-in Bill Connect integration pushes transaction data directly into QuickBooks. Skips the month-end copy-paste. For other accounting tools, the gateway exports clean CSV reports that import into most accounting and finance platforms.

What does it cost?

Pricing depends on your volume, ticket mix, and which features you need. We'll walk through it during the application — a business with $30K/month in card volume looks different from one with $200K/month and heavy bank-payment activity. No hidden fees, no long-term lock-in.

How fast can I get set up?

The application itself takes about 5 minutes. Approval and onboarding timelines depend on your business type and the solutions you need — we'll give you a clear timeline during onboarding. If you need hardware (in-person terminal, etc.), we ship pre-configured devices. If you're going tap-on-phone or online-only, setup is typically faster since there's nothing to ship.

What if I already have a payment gateway?

Switching is straightforward. Most of the work on our end is importing your customer vault (if you have one) so recurring subscriptions keep running without interruption. No rebuild required on your website or checkout — in most cases it's a plugin swap and a config change handled during onboarding.

One Gateway. Zero Juggling.

Every Way Your Customers Want to Pay.
All in One Place.

Apply in 5 minutes. We'll walk through pricing, onboarding timing, and what's right for your business.