MOBILE PAYMENT PROCESSING

Mobile Merchant Services & Wireless Merchant Accounts for Mobile Payments

BAMS provides secure, scalable mobile payment services designed for businesses that need to accept payments anywhere.

BAMS mobile payment reader attached to a smartphone
Transaction Approved
$142.50
Guaranteed lowest rate
Applied
Benefits

Mobile Business Payment Benefits

Our mobile merchant services allow businesses to accept payments anytime, anywhere using flexible mobile payment processing solutions.

BAMS has experts who specialize in the specific needs of mobile businesses needing to accept smartphone payment processing services. Whether you're looking for mobile payment options for small business, portable merchant services, or a fully integrated mobile payment gateway, our solutions turn any device into a powerful payment tool.

Offline processing

Continue accepting transactions even if you go offline

Line busting

Reduce check-out times by completing purchases anywhere in the store

Go mobile

Provide secure payment acceptance outside of the store for field sales, food trucks, farmers markets and other service trades

Real-time reports

Manage your sales data, send e-receipts and set up your entire sales team to start taking payments easily

What you get

With BAMS mobile payment processing you can:

  • Offer your customers the ability to make in-store and in-person payments when and where they want.

  • Reduce your monthly transaction fees by accessing the guaranteed lowest prices in the industry.

  • Turn any smartphone into a payment terminal, eliminating the need for large, clunky, expensive payment hardware.

  • Reduce in-store lineups by enabling employees to take payments away from the primary checkout area.

  • Continue taking payments without interruption, even if the internet drops and your system goes offline.

  • Access seamlessly integrated mobile payment reporting.

  • Tap into the top mobile payments experts in the industry and BAMS's unmatched service and support.

Payments on the go

Take Payments Wherever Business Happens

Break free from the traditional checkout counter. Whether you're completing sales on a busy retail floor, accepting payments at a food truck or farmers market, closing deals in the field, or offering curbside service—turn any interaction into a seamless transaction. Equip your mobile teams with the tools they need to take payments exactly where your customers are.

Retail associate taking a contactless card payment on a mobile reader on the shop floor
Built for you

Take payments right where your customers are — no counter required.

Why BAMS

Why Choose BAMS For
Your Mobile Merchant Account

BAMS is the ideal choice for all merchants looking to accept mobile phone payments because we offer the ultimate trifecta of advantages: the best service, the best equipment, and, arguably most important, the guaranteed best prices.

01

The BAMS Portable Merchant Services Advantage:

At BAMS, we understand that the best service starts with the best people and we've built an unmatched team of experts ready to help you with everything from initial questions on mobile credit card processing options, to initial setup, to ongoing maintenance, and everything in between.

We know that our success is based entirely on your success, and we pride ourselves on offering the highest quality, most personalized service in the industry.

02

The BAMS Mobile Merchant Equipment Advantage:

BAMS mobile merchant accounts offer unparalleled hardware and software integrations, ensuring your business will always have access to the ideal equipment for your specific needs. Whether it's a tablet-based mobile POS, a simple smartphone-based card reader, or anything else, working with BAMS ensures you'll be able to get the equipment you need, rather than just settling for the hardware that's available.

Features

Smartphone Merchant Services That Work

Total Amount
$10,000.00
Tap to pay
Approved

Convenience is everything in today's digital world. With BAMS mobile payment solutions, you can begin offering your customers the ability to pay wherever and whenever it's most convenient for them.

Whether it's taking a $10 payment for a curbside pickup order outside a restaurant, or taking a $10,000 payment from a B2B client at their offices, making payment as easy as possible for the customer shows them that you put their time and needs above all else — a key factor in developing strong relationships and repeat business.

#1
Processing Payment...
Cart: 4 items
$84.20
#2
Waiting in queue
Cart: 2 items
$32.50
#3
Waiting in queue
Cart: 2 items
$32.50

Nothing frustrates customers like a long line, but cashiers are only human and sometimes a backlog of customers waiting to pay is unavoidable. Stand-alone self-service payment kiosks are an option, but they're extremely expensive and require specialized training and maintenance. So, how can you save your customers the time and headache of waiting in line without breaking the bank?

Mobile payment systems empower customers to pay for their purchases from anywhere in-store, easing the load on your cashiers, shortening the line for the people that choose to get in it, and getting every customer through the checkout process faster, regardless of how they choose to pay. Faster time-to-purchase is a win-win for everyone involved, making mobile in-store payments an easy choice.

Network Status Connected Offline Mode
Offline Queue12 Transactions

Payments will auto-sync when connection is restored.

BAMS mobile payment systems offer complete offline functionality, ensuring that even when the system is offline, payments can still be made and business can continue as usual. This can't be said for all legacy mobile systems. This means you can still make portable merchant services payments on the go with offline mobile processing.

Offline processing functionality is extremely important since your company's internet going down temporarily isn't a question of if, but when. Without offline payments, transactions would grind to a halt — a surefire way to usher your customers out the door and to a competitor whose systems are up.

With BAMS, losing connection is never a worry and you can rest assured that even if the internet does go out, your customers won't even realize it. They'll be able to access the same fast, convenient, secure payments at all times.

Today's Mobile Sales
$4,289.50+14.2%
Terminal 01: $1.2kTerminal 02: $3.0k

You can't manage what you can't measure, and it's important that your mobile sales are just as easy to track as sales at the counter or on your website. BAMS mobile credit card payment options all offer seamlessly integrated real-time reporting to ensure you'll always have fast, easy access to the data you need, when and where you need it.

Mobile payment reporting can be accessed separately or aggregated alongside your overall sales data, providing as wide or as narrow a view of your mobile sales operations as needed. BAMS mobile payment systems also offer the ability to send electronic receipts to customers, set up and manage which employees can operate mobile payment hardware, and much more.

Built for mobile business

Where Mobile Payments Make Sense

Customer paying by tapping a phone on a mobile card reader On the go
Payments that follow your business anywhere.

Retail floors

Free your staff from the register. Employees can ring up customers anywhere on the floor, cutting lines and speeding up every checkout.

EMV Solutions

Food trucks

Take tap-to-pay and swiped cards from a phone or compact reader — no bulky hardware, no fixed counter required.

Apple Pay

Farmers markets

Keep selling even when connectivity is spotty. Offline processing captures transactions and completes them once you're back online.

Mobile Payment Security Guide

Field services

Collect payment the moment a job is done — on-site, from any device — instead of chasing invoices after the fact.

Payment Gateways

Events

Spin up as many mobile checkout points as the crowd demands, and watch sales roll in live from every station.

Reporting & Analytics

Curbside sales

Bring the terminal to the customer's car window. Orders are paid and closed out without anyone stepping inside.

Integrations

Professional services

Accept cards at the client's location with secure, dispute-ready processing that protects your revenue.

Chargeback Defense

Mobile sales teams

Equip every rep to close and collect in one visit, with each transaction flowing straight into your central gateway.

BAMS Payment Gateway
How it works

How Do Our Portable Merchant Services Work?

BAMS mobile payment services are designed for frictionless adoption and easy use, ensuring you'll be able to get your system up and running quickly and your employees will be able to start handling mobile payments with little to no learning curve.

1

CONNECT

Plug a reader into your phone or tablet.

2

ACCEPT PAYMENT

Swipe, dip, or tap — right where the customer is.

3

PROCESS

The transaction clears securely in seconds.

4

RECEIPT + REPORT

Receipts go out, and every sale lands in reporting.

Smartphone with attached card reader used as a mobile checkout

BAMS mobile device payment systems plug directly into any standard smartphone using either the 3.5mm headphone jack, the micro USB port, or, in the case of Apple devices, the Lightning port.

With the hardware plugged in, accepting payment is as simple as opening up your payment app of choice and swiping or tapping the customer's payment card. The transaction will be processed over the web right through the smartphone, a receipt will be emailed to the customer, and the transaction data and inventory updates will be logged in your systems, all within seconds.

The ability to perform the entire transaction process, from start to finish, from any smartphone represents a new frontier in low-cost, low-friction payment technology, especially for small and hobby businesses without the need for larger payment systems or even a storefront.

Customer inserting an EMV chip card into a mobile payment reader

Swipe readers are the simplest and most common form of mobile payment hardware in use today, but they aren't the safest or the most convenient.

EMV-compliant readers allow customers to insert their chip cards, and in many cases, to tap them using nearfield communication (NFC) contactless technology. Utilizing EMV-compliant mobile payment systems not only ensures your customers' data is safer, it also helps you unlock lower rates thanks to the reduced risk EMV payments represent. On the customer end, it makes the payment process more contactless — a big factor in a post-COVID world.

BAMS offers a full line of EMV-compliant mobile payment hardware, ensuring both your business and your customers will always benefit from the safest, most convenient mobile payments possible.

Hardware options

Mobile Payment Hardware for Different Workflows

Smartphone-based card readers
Tablet-based mobile POS
Swipe readers
EMV-compliant readers
NFC/contactless-capable readers

* Available hardware depends on your business setup and processing requirements.

Modern payment acceptance

Support Chip and Contactless Payments on the Go

Upgrade your mobile payment readers to support secure EMV chip acceptance and fast NFC/contactless transactions. Whether you use a smartphone or tablet workflow, offering modern payment methods improves security and convenience.

Secure EMV chip acceptance
Fast NFC/contactless transactions
Smartphone and tablet workflows
Improved security and convenience
Reporting

Real-Time Reporting

You can't manage what you can't measure, and it's important that your mobile sales are just as easy to track as sales at the counter or on your website. BAMS mobile credit card payment options all offer seamlessly integrated real-time reporting to ensure you'll always have fast, easy access to the data you need, when and where you need it.

Mobile payment reporting can be accessed separately or aggregated alongside your overall sales data, providing as wide or as narrow a view of your mobile sales operations as needed. BAMS mobile payment systems also offer the ability to send electronic receipts to customers, set up and manage which employees can operate mobile payment hardware, and much more.

Aggregated Mobile Sales

$12,450.00 +8.4% today
Daily Transactions
342
Electronic Receipts Sent
289
Active Employees
12
Connected Devices
14
Last sync
Just now

Frequently Asked Questions

Mobile merchant services allow businesses to accept payments using smartphones, tablets, or wireless devices. These solutions include mobile card readers, apps, and secure mobile payment processing solutions that enable payments anywhere. Read more about Three Different Types of Mobile Payments Explained.

The best mobile payment options for small businesses include smartphone card readers, contactless payment apps, and portable POS systems that support EMV and NFC payments. Explore our Payment Gateways.

A wireless merchant account allows businesses to process payments using mobile or wireless devices instead of traditional terminals, making it ideal for field services, events, and on-the-go sales. Learn more on our blog.

Yes, EMV mobile payments use chip technology and encryption to reduce fraud and protect customer data, making them more secure than traditional magnetic stripe transactions. Discover our EMV Solutions.

Many providers, including BAMS, offer chargeback protection for merchants, helping businesses reduce disputes and recover lost revenue. Read our guide on Chargeback Defense: Protect eCommerce Revenue From Disputes.

BAMS mobile payment systems offer complete offline functionality, ensuring that even when the system is offline, payments can still be made and business can continue as usual. Learn more in our Mobile Payment Security: A Chargeback Defense Guide.

Yes, our EMV-compliant readers allow customers to insert their chip cards, and in many cases, to tap them using nearfield communication (NFC) contactless technology. See our Apple Pay solutions.

Businesses across various industries benefit from mobile payments, particularly those in field sales, food trucks, farmers markets, service trades, retail, and B2B environments. Read our comparison of EMV vs Magnetic Stripe Systems.

BAMS mobile merchant accounts offer unparalleled hardware and software integrations. You can switch to BAMS while keeping your existing system and ensuring your business always has access to the ideal equipment. View our Integrations.

BAMS mobile credit card payment options all offer seamlessly integrated real-time reporting to ensure you'll always have fast, easy access to your data, whether accessed separately or aggregated alongside your overall sales. Explore our Reporting & Analytics.

Get in touch

Get Started

Speak with one of our agents today about how easy it is to switch to BAMS while keeping your existing system!

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