Bank well and be good. Process payments with ease.


You don't have to be a corporate powerhouse to accept credit cards at your business. Osgood Bank has partnered with a leading local provider of merchant processing services and electronic transactions, Electronic Merchant Systems. Together we can offer a vast array of customized services and innovative products for non-cash payment processing, including all major credit and debit cards. 

Credit card processing

Credit & Debit Card Processing

Improve your cash flow with the ability to accept all major credit cards through one provider.


Mobile Wallet Payments

Accept EMV chip cards, contactless, and all mobile wallets like Apple Pay, Google Pay, Android Pay, and Samsung Pay.

POS options

Scalable POS Options

Ideal for small to medium retail businesses, MaxxPay comes with Register Support, Cash Drawer, Integrated Printer, and Optional Bar Code Reader.

Mobile Payment Options for business

Mobile Processing

Accept payments wherever you are. EMS+ provides real-time payment processing in seconds over a WiFi or cellular network connection.

Gift card and loyalty programs for business

Gift Cards & Loyalty Programs

Attract new and reward loyal customers with the ultimate mobile loyalty, engagement, and acquisition tool for savvy local retailers. 

Ecommerce for business

Web Solutions & Shopping Carts

EMS designs adaptable commerce sites that include a personal web designer, online marketing tools, and virtual point of sale shopping carts. 

Get Answers To Frequently Asked Questions About Merchant Service Tools in Ohio and Across the U.S.

Who is EMS?

Headquartered in Cleveland, Ohio, EMS currently operates in over 100 U.S. cities providing trouble-free deployment of custom solutions that will increase your profitability. Their solutions are tailored to businesses in all stages of growth, giving you an important advantage in a rapidly changing marketplace. 

To ensure maximum return on your investment, EMS will educate you on the best techniques and methods to accept non-cash forms of payment. To protect your bottom line, they also provide suspicious transaction assistance and charge-back assistance at no cost. 

What is the cost for a machine? Can I purchase it or rent it?

Machines can be purchased or rented and the cost is based on the type of machine you choose. We will be glad to discuss your options to help find a machine that fits your needs and your budget. 

What is your rate?

Rates are based on several factors. This is a nice benefit because you know that your contract will be customized to your specific business and its needs.

Will I have a dedicated person to work with if I have any questions?

Absolutely! EMS has a dedicated team and staff that you can contact directly with any questions you may have. Our business banking experts here at Osgood Bank are on your side to help as well.