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Who is Eliot Management Group by Deluxe?

Eliot Management Group is a payment processing company with over 20 years’ experience providing the best in merchant services and payment processing to thousands of companies across the U.S.

EMG’s mission is simple: Our neighbors will endorse us because we provide love, commitment and action as we work to improve the communities in which we work. Our customers will love us because we treat them like family and provide them with the local support that no other processor can. And, our employees will enjoy life-altering success because we provide the tools, support, resources, and opportunities they need to make it happen.

Is Eliot local?

We keep jobs local with a network of offices so that we can be neighbors in our communities. To view a list of our office locations, click here.

Will a sales rep be available to assist with any issues?

Our reps make every effort to be available for install questions and issues, but since our Customer Service is available 24/7, that will be the fastest route for getting any issues resolved after installation has occurred.

How do I get a hold of someone when I cannot reach my rep?

Our customer service is available 24/7 at 844-898-0337. You can also contact us through our online web form and an EMG representative will get in touch with you within 24 hours.

I already have an account with another company, can I switch to Eliot?

Absolutely! If you’re interested in switching to Eliot, contact us here and don’t forget to check out our Best Rate Guarantee, which ensures that we will meet or beat any written offer from another company to ensure our merchants are getting the best rates possible.

How can I view my monthly statements?

Statements are available on

To login to, you’ll need your merchant ID number (username) and password. You can find your Merchant ID number and password in your welcome kit. If you have any issues logging in, please contact Customer Service.

What is my high ticket? How do I get it increased?

Your high ticket is the highest transaction amount you can process without gaining prior approval from Eliot. This limit is established through a review of your processing history. The high ticket is established to protect your business from unauthorized, fraudulent charges.

If you do process a transaction that exceeds your high ticket limit, those funds may be held pending verification of the transaction. If you know you are going to have a transaction that will exceed your high ticket, or if you wish to have your high ticket amount adjusted, simply call customer service at 1-844-898-0337, and they will assist you.

What is the difference between regulated, mid-qualified and non-qualified charges on my statement?

The rate each transaction is processed at depends on a number of things including the business type, method of entering a sale, processing procedures and type of card presented for payment.

Qualified transactions are those in which an authorization was obtained electronically (swiped with the card present) and the transaction was settled within the allowed time (usually within 24 hours). The transaction meets all the requirements imposed by the bank card associations and is processed using a general consumer (not reward or business) card.

Any variation from the qualified transaction degrades the transaction to mid-qualified or non-qualified. The type of card and the way it is accepted affects the rate. Rewards cards generally fall into the mid-qualified range and business cards generally incur non-qualified rates.

What are interchange fees?

Interchange is a set of two costs that your processor’s acquiring bank must pay the bank that issued your customer’s credit or debit card. Interchange fees are usually made up of a flat per transaction fee and a percentage of the transaction. Generally, the interchange accounts for about 70-80% of the processing costs. Although this is the biggest piece of your processing fees, shopping processors will not lower these costs as they are set by the member banks of Visa and Mastercard and are fixed for all processors.

What is the monthly minimum charge on my statement?

The monthly minimum refers to the minimum amount of processing fees Eliot needs to collect from your business each month to maintain your account. It was established when you signed your contract with Eliot. If you don’t reach that minimum in processing costs, Eliot assesses your account the difference to reach the monthly minimum.

What is PCI and how do I become compliant?

The Payment Card Industry Data Security Standard (or PCI DSS) is a set of requirements designed to help facilitate data security. PCI DSS, developed by the major card brands including MasterCard and Visa, includes requirements for security management, policies, procedures and other critical protective measures that help protect customer account data. Business owners must demonstrate compliance to these standards. To ensure you maintain compliance, visit PCI Smart.

How do I close my account with EMG?

With our Best Rate Guarantee, we don’t know why you’d ever want to leave, but if you absolutely must, you have to submit a cancelation in writing within 30-90 days of your contract expiration.

The cancelation must be submitted no sooner than 90 days and no later than 30 days and the cancelation notice letter of must be a signed document. Please call 817 317-9150 ext. 0 if you intend to cancel your account.

Does Eliot have a business referral program?

Eliot has a Referral Partnership program. A merchant signs up as a Referral Partner and refers other businesses to their Eliot rep. If the referred business chooses to sign up with Eliot, the referral partner earns a percentage of the businesses processing costs.