Kurv is a U.S. payment processing platform that lets small and mid-market businesses accept payments in person, online, and on the go, all from a single connected merchant account. The platform combines a PCI-compliant payment gateway and virtual terminal with native Tap to Pay on iPhone and Android, hosted checkout pages, digital invoicing, QR-code payment requests, recurring billing, eCheck and ACH, and custom gift and loyalty programs, all managed through one real-time reporting portal. Kurv serves merchants across retail, restaurants, e-commerce, automotive, healthcare, and the petroleum and convenience-store sector, with proprietary underwriting that can approve accounts in as little as one business day and a 24/7 client success team. Kurv is operated by Electronic Merchant Systems, which was founded in 1988 in Cleveland, Ohio, and rebranded as Kurv in 2025. The company is a registered ISO/MSP of BMO Bank, Central Bank of St. Louis, Esquire Bank, and Merrick Bank.