EMoney
EMoney is a PCI-compliant payment processing product suite offered by Elavon, a U.S. Bancorp subsidiary. It serves small businesses, enterprises, financial institutions, and multiple industry verticals with integrated POS, EFT, eCommerce, and eGiftCard capabilities.
- Company typePrivate
- Founded2001
- HeadquartersAshburn, United States
- Headcount—
- GTM typeB2B
- OfferingSoftware
What EMoney does
EMoney is a payment processing product suite offered by Elavon, Inc., a wholly-owned subsidiary of U.S. Bancorp (NYSE: USB). The platform is structured as three integrated tiers: a PCI-compliant front-end point-of-sale and payment application, a middle-tier for comprehensive financial reporting and analytics, and a back-end consumer engagement platform that enables merchants to send eGiftCards directly to customers via email and mobile phones. The system is end-to-end encrypted and operates as a host-based solution designed to consolidate multiple payment vendors into a single offering.
The product serves a hybrid customer base spanning small businesses (primary), enterprises requiring advanced payment ecosystems, financial institutions seeking merchant services through Elavon's partnership programs, and specialized industry verticals including restaurants, retail, eCommerce, travel and hospitality, healthcare, government, non-profits, and automotive. Revenue is generated through transaction fees on credit card processing, electronic funds transfers, and eGiftCard issuances, with a flat cost structure designed to scale with merchant growth and a free trial covering the first pay period. Go-to-market combines direct field sales for enterprise accounts, inside sales for mid-market, self-service web onboarding for SMBs, and a financial institution partnership channel for banks and credit unions.
EMoney operates within Elavon's broader global infrastructure, which spans offices across the United States and international markets including Canada, the United Kingdom, Ireland, Poland, Norway, Spain, and Germany. The product holds the registered EMoney® trademark and was recognized by Forbes Advisor as one of the 10 Best Credit Card Processing Companies of 2024. Standalone revenue figures are not publicly disclosed, and no AI/ML capabilities are evidenced in the available materials, positioning EMoney as a stable, compliance-led offering within U.S. Bancorp's merchant acquiring portfolio rather than an innovation-led independent.
EMoney firmographics
Firmographics- Name
- EMoney
- Legal name
- Elavon, Inc.
- Website
- https://emoney.com
- Company type
- Private
- Founded year
- 2001
- Operating status
- Operating
- Short description
- EMoney is a PCI-compliant payment processing product suite offered by Elavon, a U.S. Bancorp subsidiary. It serves small businesses, enterprises, financial institutions, and multiple industry verticals with integrated POS, EFT, eCommerce, and eGiftCard capabilities.
- Ownership category
- akta.pro rank
EMoney industry classification
Industry- Product category
- Payment Processing
- NAICS
- Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518210)
- SIC
- Services-Computer Programming, Data Processing, Etc. (7370)
- akta.pro primary industry
- Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)
- akta.pro secondary industries
- EMV Chip, Magstripe & PIN Debit Acceptance (FSAMADAG), POS-to-Online Unified Payments (Omnichannel Payments) (CRAFALAL)
Keywords
Where EMoney is headquartered
LocationHeadquarters
- HQ city
- Ashburn
- HQ country
- United States
- HQ region
- North America
Offices16 records
Markets served
EMoney business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Payment Processing Services: EMoney generates revenue through payment processing fees for credit card transactions, electronic funds transfers, and eGiftCard issuances. The company operates on a flat cost structure designed to help merchants save regardless of business growth.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free Trial Period |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels3 records
EMoney product offering
Product offeringCore offering
EMoney is a unified payment processing platform offered by Elavon, Inc. that delivers PCI-compliant front-end point-of-sale solutions, middle-tier financial reporting, and back-end consumer engagement tools including eGiftCards. The platform targets small businesses and enterprises across industries such as restaurants, retail, eCommerce, healthcare, and government, with flat-cost pricing, end-to-end encryption, and 24/7 support.
Product overview
EMoney is a single unified payment platform by Elavon consisting of three integrated tiers: (1) a front-end point-of-sale and payment application, (2) a middle-tier for comprehensive financial reporting and analytics, and (3) a back-end consumer engagement platform for sending eGiftCards directly to customers. The platform is PCI-compliant and end-to-end encrypted, supporting merchants at every payment position from in-person POS to online eCommerce transactions, with Electronic Funds Transfer capabilities.
Differentiator
Problem solved
Functional benefit
Products and services
- EMoney Payment Processing Suite A unified PCI-compliant payment processing platform with end-to-end encryption that provides point-of-sale terminals, financial reporting, and consumer engagement tools including eGiftCards. Designed for small businesses and enterprises across retail, restaurants, eCommerce, healthcare, and government sectors.
- EMoney eGiftCards
Companies that use EMoney
Customer profileSegments4 records
Ideal customer profiles3 records
EMoney technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
EMoney partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Financial Institutions (Banks & Credit Unions)coreElavon provides merchant services solutions for financial institutions including banks and credit unions through dedicated partnership programs. Financial institutions can contact Elavon for merchant services solutions.
Scale indicators1 record
Recent moves4 records
Expansion highlights5 records
EMoney competitors and assessment
Company assessmentDirect peers
- Square (Block): Square is a leading integrated payment processor and POS provider targeting small and mid-sized merchants with hardware, software, and financial services. EMoney's SMB-focused unified payment stack competes most directly with Square's seller ecosystem.
- Stripe: Stripe is an integrated payment processor serving businesses of all sizes with developer-first APIs and embedded commerce tools. EMoney's payment processing and eCommerce capabilities overlap with Stripe's core acquiring and gateway offerings.
- Clover (Fiserv): Clover, owned by Fiserv, is a POS-integrated payment processing and business management platform for SMBs across retail, restaurants, and services. EMoney's three-tier platform (POS, analytics, engagement) competes head-to-head with Clover's bundled solution.
- Toast: Toast is a cloud-based POS and payment platform purpose-built for restaurants, offering integrated hardware, software, and financial products. EMoney's restaurant vertical offering overlaps directly with Toast's core merchant segment.
- Helcim: Helcim is an integrated payment processor offering transparent interchange-plus pricing for SMBs, with POS and online payment tools. EMoney's flat-cost pricing and unified stack compete for the same price-sensitive SMB acquirer market.
- Stax (Fattmerchant): Stax is a subscription-based integrated payment processor for SMBs and software platforms with transparent pricing. EMoney competes with Stax in the SMB acquiring and omnichannel (POS + eCommerce) space.
- SumUp: SumUp is a global SMB-focused payment processor offering card readers, POS, and online checkout. EMoney's small business acquiring and multi-channel capabilities overlap with SumUp's merchant product suite.
- Payment Depot: Payment Depot is an SMB-focused payment processor offering wholesale interchange-plus pricing and POS solutions. EMoney's flat-cost and SMB positioning compete for the same cost-conscious merchant segment.
- North American Bancard: North American Bancard is a US payment processor and ISO offering merchant acquiring, POS, and eCommerce solutions to SMBs. EMoney competes with NAB in the SMB acquiring and unified payments space.
Broad incumbents
- PayPal: PayPal is a broad incumbent in payments offering acquiring, gateways, POS (Zettle), and consumer engagement tools. EMoney's payment processing and gift card offerings overlap with PayPal's SMB and omnichannel products.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
EMoney social profiles
Digital presenceEMoney compliance and trust
Trust signalCompliance1 record
EMoney financial estimates
Financial estimateRevenue estimate
Valuation estimate
EMoney leadership team
Management profileNumber of profiles
EMoney funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
EMoney M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about EMoney
What does EMoney do?
EMoney is a unified payment processing platform offered by Elavon, Inc. that delivers PCI-compliant front-end point-of-sale solutions, middle-tier financial reporting, and back-end consumer engagement tools including eGiftCards. The platform targets small businesses and enterprises across industries such as restaurants, retail, eCommerce, healthcare, and government, with flat-cost pricing, end-to-end encryption, and 24/7 support.
Is EMoney a public or private company?
EMoney is a private company. It is classified as corporate owned and is currently operating.
When was EMoney founded?
EMoney was founded in 2001.
Where is EMoney based?
EMoney is headquartered in Ashburn, United States, in the North America region.
How does EMoney make money?
One revenue line is on record: payment Processing Services.
Who are EMoney's main competitors?
Direct peers on record are Square (Block), Stripe, Clover (Fiserv), Toast, Helcim, Stax (Fattmerchant), SumUp, Payment Depot and North American Bancard. PayPal is listed as a broad incumbent.
Does EMoney have an API?
No public API is recorded for EMoney.
What industry is EMoney in?
EMoney's product category is Payment Processing. Its primary akta.pro industry code is FSAMABAA, Integrated Payment Processors (PSP/Acquirer), with a secondary code of FSAMADAG, EMV Chip, Magstripe & PIN Debit Acceptance. Its NAICS code is 518210 and its SIC code is 7370.