EMoney

Payment Processingemoney.com

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

Payment processing
Merchant services
Electronic funds transfer
ECommerce payments
Gift card processing

Where EMoney is headquartered

Location

Headquarters

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 offering

Core 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 profile

Segments4 records

Ideal customer profiles3 records

EMoney technology and API

Technology

Technology focussed Yes

API detail

Has API: No
API docs
API detail

Core technology

AI maturity

App detail

Feature4 records

EMoney partnerships and signals

Strategic signal

Partnerships

One partnership is on record.

Financial Institutions (Banks & Credit Unions)coreChannel Partner/ Reseller/ DistributorElavon 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 assessment

Direct 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 compliance and trust

Trust signal

Compliance1 record

EMoney financial estimates

Financial estimate

Revenue estimate

Valuation estimate

EMoney leadership team

Management profile

Number of profiles

EMoney funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

EMoney M&A and investment

M&A and investment

M&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?

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.