Guaranteed Next Day Funding Merchant Services That Get You Paid Faster
With BAMS next day funding merchant account, you gain access to your money in as little as ten hours, protecting your cash and promoting your short and long-term business success. With BAMS next-day funding merchant services, your credit card processing deposits reach your bank account in as little as ten hours—helping you maintain consistent cash flow.
Next Day Funding Merchant Services
for Credit Card Processing
9 PM Cut-Off Time
Ten-Hour Turnaround
Financial Advantage
Available for All Major Cards
All Financial Institutions Supported
Easier Account Management
Weekend and West-Coast Operations
No Additional Fees
Improved Cashflow
The Value of BAMS Next Day Funding
Key Features of Our Next Day Funding Merchant Services
- 9 PM cut-off time to ensure more transactions qualify
- Funds available in your bank account in as little as ten hours
- Next day funding for Visa, Mastercard, Discover, American Express, and ACH payments. Plus, support for all financial institutions.
- No additional fees or charges on next-day transfers.
Benefits of Next Day Funding for Merchant Services
- Relief for merchants doing heavy weekend business and businesses operating on the west coast
- Improved cash flow and overall financial health
- Simpler, easier account management, and supplier relations
- Unparalleled peace of mind knowing that your money is where it belongs – in your bank account
Frequently Asked Questions
Next-day funding in credit card processing means merchants get their sales revenue deposited into their bank account the next business day after closing their daily transaction batch, significantly faster than the typical 2-5 day standard, improving cash flow for payroll, inventory, and operations by providing quicker access to working capital.
No, BAMS next-day funding isn’t available for all businesses; eligibility depends on a strong operating history, low chargeback/fraud rates, business type, and being with a processor that offers it, like BAMS, which typically requires a solid track record, excluding brand new businesses or those in high-risk sectors from the fastest funding.
No. In addition to carrying no additional fees on individual transfers, eligibility for next-day funding will also never impact your standard rates in any way. If you’re new to BAMS, next-day funding availability will not increase the rates you’re assigned. If you’re an existing merchant just beginning to take advantage of next-day funding, you’ll continue to enjoy the same industry-leading rates you always have backed by our interchange-plus pricing model and low-price guarantee.
Unfortunately, not all merchants are eligible for next-day funding. There are a number of factors that go into determining eligibility, but we work hard to ensure that the program is available to as many of our merchant partners as possible. If you’d like more information on the specifics of next-day funding eligibility, a member of our team would be happy to discuss the criteria with you, so give us a call today!
Any batches processed after the cut-off time will not be eligible for next-day funding, but will instead arrive in your account the morning of the following business day. It’s important to note that even in cases where late transactions miss the next-day funding deadline, they’ll still hit your account faster than they would with the standard funding holds imposed by many of our competitors.
