WHO WE ARE

Formerly Electronic Merchant Systems (EMS) since 1988, Kurv payments headquartered in Cleveland, OH has operations in over 100 US cities.  Regional office is in Wilmington, NC.

Kurv’s broad suite of payment and fintech solutions include point-of-sale systems, mobile payment applications, and e-commerce integrations.

In addition to traditional interchange pricing (“cost plus”), Kurv offers fully-compliant variable pricing, i.e. “dual pricing,” “cash discount” or “surcharge.”  By adding 3-4% on a customer’s card payment, your cost is $0 for payments processing while enjoying next day funding and offering ACH or eCheck as an alternative for your customer to avoid a fee.

Today, Kurv serves over 30,000 Retail, eCommerce, and omnichannel processing businesses.

Our modern platform (THE KURV MERCHANT APP) enhances the payment experience by allowing business owners to accept payments instantly, generate customer QR codes, and utilize features like Tap to Pay on mobile devices.  No additional equipment is needed when you use your mobile device as a revenue source – for deliveries, line busting, sidewalk sales, offsite events, etc.  Enhanced with AI and machine learning, “Kurvpay” automates risk assessment and helps identify unusual activity in real time.