wholesale, pass-through payment processing, point of sale terminals, and a browser-based virtual terminal for key-in payments. The virtual terminal lets businesses send online invoices, create recurring payment plans, and add pay buttons to websites. emilyPay also provides tools for managing memberships, next-business-day or sub-24-hour funding, and pricing plans tied to processing volume. The platform is PCI-compliant and uses encryption and other controls to help protect payment data and support regulatory requirements in healthcare settings.