Credit Card Processing | Merchant Account | Payment Gateway | Bank Associates Merchant Services

What is IRIS?

Customer Support: 866-510-2267
  • Merchant Savings
  • Next Day Funding
  • Online Reporting
  • Superior Support
free gateway setup or USAePay & Free Shopping Cart
low rates
2.19% Credit, 1.99% Debit, $0.18/transaction
no fees
Free fraud prevention, no setup fees, no integration fees, no application fees
quick turnaround
Same day approval & 12 hour funding.
American Express Onepoint©
Qualified merchants receive American Express next day deposits.
OnePoint Reporting
One daily deposit, one statement and zero hassle.
Consistent Deposit Schedule
Know when to expect your deposits with our funding schedule. On time - every time.
No banking restrictions
Keep your business bank account at the bank of your choice.
Transaction History
All of your batches and transactions are available online.
Daily Deposit Notification
Rest assured you are being funded correctly and on-time, everytime.
Instant Dispute Notification
Receive e-mail notifiers to respond quickly to transaction disputes
The Scoop
Visualize your company growth with volume and transaction growth charts
Executive Support Program
All clients boarded through receive Executive Support upgrades.
Layered Support Protocol
Specialized in-office and executive management emergency support.
No extra charge!
24/7 Toll free support.
Easy integration
Expert support with common industry equipment and software.


Happy Customers Abound
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  • We found out about BAMS through Google. When I called in for information I was told that I'd be receiving all of our deposits within 12 hours after batching out for no additional cost. It was hard to wrap our heads around the idea that switching processors could benefit our bottom line so much!

    -- Paul S, New York, NY

  • We were referred to Dimitri at BAMS by one of our suppliers who told me about their 12 hour funding. I was amazed to find out that not only were our rates outdated, but we have been waiting for our deposits for an unnecessary 2 extra days. Dimitri who has been our rep since day one is very knowledgable of his business and provided us with a customized rate analysis.

    -- Joseph, Raleigh, NC

  • Eddie:

    I truly appreciate all your hard work. You are a good sales person, I hope your boss knows that. 

    -- Mindy, New York, NY.

  • We were with our processor for 6 years, since we first started our company. We thought we were happy with our rates because we got similar quotes from every bank we reached out to. BAMS was the only processor who was able to not only beat the quotes we received from other companies, they also promised to speed up our deposit time. As promised, we now pay about 20% less in fees and have our funds being deposited 3 times faster.

    -- Lily & Jake, New York, NY

  • Drew:

    You're awesome! Thanks,

    -- Cynthia, Fort Worth, Texas.