Stop paying retail premiums
for your business growth.
Growing businesses are switching from Square to BAMS for transparent interchange-plus pricing, dedicated account managers, and true hardware flexibility. Keep more of your hard-earned revenue.
- Save up to 40% on fees vs. Square
- Next-day funding & free POS hardware
- No ecosystem lock-in — integrate your existing tools
Outgrown the White Square?
Square is great for weekend farmers markets. But as your business grows, their flat rates, expensive hardware, and lack of support become expensive bottlenecks.
Interchange Plus Pricing
Square charges a flat 2.6% + 10¢ and pockets the spread over actual interchange. BAMS passes the true wholesale cost directly to you — typically 30–40% less per transaction as your volume grows.
Dedicated Account Manager
Square gives you a help center. BAMS gives you a person — a dedicated account manager who knows your business, reviews your statement, and picks up the phone when you need them.
Next-Day Funding
Stop waiting 1–2 business days for your money to arrive. BAMS deposits directly to your bank account the next business day — standard, with no extra fee or premium tier required.
Free POS Equipment
Square sells you their proprietary hardware. BAMS provides free terminal placement for qualifying merchants — compatible with hundreds of open POS systems so you're never locked in.
Account Stability
Square's automated risk algorithms routinely hold or terminate accounts without warning. BAMS uses human underwriters to keep your cash flow stable — no algorithmic freezes, no surprises.
No Ecosystem Lock-In
Square wants to be your inventory, payroll, and marketing platform too — because it's harder to leave. BAMS integrates with your existing software instead of replacing it, so you stay in control.
Feature by Feature Comparison
See exactly how BAMS stacks up against Square when you look past the white card reader.
| Features | RECOMMENDED BAMS The Pro Choice |
Square |
|---|---|---|
| Pricing & Fees | ||
| Pricing Structure | Interchange Plus | ✕ Flat Rate |
| In-Person Rate | Custom / Low | ✕ 2.6% + 10¢ |
| Online Rate | Custom / Low | ✕ 2.9% + 30¢ |
| Keyed-In Rate | Custom / Low | ✕ 3.5% + 15¢ |
| Support & Service | ||
| Dedicated Account Manager | ✓ Yes | ✕ No |
| Phone Support | ✓ 24/7 US-Based Support | Under-Staffed & Automated |
| Account Stability | ✓ Human Reviewed | ✕ Automated & Known Freezes |
| Hardware & Tech | ||
| Equipment Costs | ✓ Free Placement | Must Purchase |
| Next-Day Funding | ✓ Included | Standard 1–2 Business Days |
| Instant Transfer Fee | ✓ N/A (Standard fast) | ✕ 1.5% per transfer |
The Math Behind the "Simple" Rate
Square loves to sell you on "simplicity" with their 2.6% + 10¢ flat rate. What they don't tell you is that a basic debit card only costs around 0.05% + 22¢ to process.
Square pockets the massive difference on every swipe. BAMS operates differently — we use Interchange Plus pricing. You pay the exact wholesale cost of the card, plus a small, agreed-upon markup. For brick-and-mortar retail and restaurants, this translates to huge margin increases.
Hear from Businesses Who Switched
Join the thousands of growing merchants who outgrew Square as a stepping stone to a better processing partner.
"Switching to BAMS and working directly with Olga has been a fantastic experience. The savings that my company has experienced are extremely significant and the customer service has been exceptional!"
"Olga is always on top of whatever we need as our rep. She's always available by phone or email and our very few problems we have had have been resolved almost instantly. BAMS gave us the best rate for merchant services and we couldn't be happier."
"They are very hands on making sure you have the right equipment you need for all aspects of your business. Highly recommend them."
Frequently Asked Questions
Common questions about making the leap from Square to BAMS.
Stop letting Square take a retail cut of every sale.
Let us run a free, side-by-side analysis of your current Square processing statement. We'll show you exactly how much you can save by switching to true interchange-plus pricing.
- 100% Free, zero-obligation analysis
- Guaranteed rate reduction
- Free hardware placement for qualifying merchants
Get Your Free Savings Quote
Tell us about your business and we'll put together a free, no-obligation statement analysis — typically completed within 1 business day.
- 100% Free, zero-obligation analysis
- Guaranteed rate reduction
- Dedicated account manager assigned
*Square is a registered trademark of Block, Inc. BAMS is not affiliated with Square or Block, Inc. This comparison is for informational purposes based on publicly available pricing data as of 2025. Actual savings vary by transaction type, volume, and card mix.
