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Payroc

Payroc

ISO Payment Services

VS

Electronic Merchant Systems

US SMB omnichannel merchant services

Electronic Merchant Systems
Fees from
Custom vs Custom
Features

0 shared

1 unique to Payroc · 2 unique to Electronic Merchant Systems
Regions

1 shared

1 unique to Payroc
Pay methods

3 shared

2 unique to Payroc · 5 unique to Electronic Merchant Systems
On region

Payroc covers 2 regions; Electronic Merchant Systems covers 1. Verify directly with each provider before signing.

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3 features · 10 payment methods · 2 regions. We don't rank these — they're here for reference.
Payroc Payroc
Electronic Merchant Systems Electronic Merchant Systems
Quick Facts
Fees
Standard transaction rate
Custom
Custom
Settlement
Time to receive funds
—
1–3 business days
Founded
2013
1988
Headquarters
Chicago, Illinois
Cleveland, Ohio
Sandbox / Test Mode
✓
—
Webhook Support
✓
—
Features
Electronic Merchant Systems leads (2 vs 1)
Enterprise Unique
✓
—
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
Electronic Merchant Systems leads (8 vs 5)
Ach
✓
✓
Amex Unique
—
✓
Apple Pay Unique
✓
—
Bank Transfer Unique
✓
—
Credit Card
✓
✓
Debit Card
✓
✓
Discover Unique
—
✓
Mastercard Unique
—
✓
Mobile Wallet Unique
—
✓
Visa Unique
—
✓
Regions
Payroc leads (2 vs 1)
Europe Unique
✓
—
North America
✓
✓

Payroc is best when you...

ISO Payment Services
Need Enterprise
Not available with Electronic Merchant Systems
Want coverage in Europe
Electronic Merchant Systems doesn't cover this region
View Payroc

Electronic Merchant Systems is best when you...

US SMB omnichannel merchant services
Need Recurring Payments
Not available with Payroc
Need Startup Friendly
Not available with Payroc
View Electronic Merchant Systems

Frequently Asked Questions

What is the difference between Payroc and Electronic Merchant Systems?
They share 3 payment methods and 1 region. Payroc adds Apple Pay, Bank Transfer that Electronic Merchant Systems does not list; Electronic Merchant Systems adds Amex, Discover, Mastercard and 2 more that Payroc does not list; Payroc also covers Europe; only Payroc offers Enterprise.
Which is cheaper, Payroc or Electronic Merchant Systems?
Neither publishes a rate card — both quote on engagement, so the cheaper option depends on the volume you bring to the negotiation.
Where can I use Payroc and Electronic Merchant Systems?
Payroc lists 2 regions and 5 payment methods; Electronic Merchant Systems lists 1 and 8. both cover North America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Payroc and Electronic Merchant Systems compare on integration and settlement?
Payroc offers a sandbox, Electronic Merchant Systems does not list one; Payroc supports webhooks; Electronic Merchant Systems publishes a settlement time of 1–3 business days.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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