Explore BAMS

Transparent, Reliable, Human Payment Processing.

Serving businesses since 2006. We believe every merchant deserves honest pricing, best-in-class reporting tools and real humans to talk to.

You're In Good Company

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The BAMS Team
In-House Support
Real people, right here.

Simplifying payments, strengthening businesses.

Every merchant, large or small, deserves honest pricing, best-in-class reporting tools and real humans to talk to. That's the standard we set on day one and it's what we still believe today.

Since 2006 BAMS has helped thousands of merchants simplify payments, strengthen cash flow and access exceptional support. We don't just process transactions; we build long-term partnerships that help your business thrive in a competitive market.

  • Dedicated account representatives
  • Transparent interchange-plus pricing
  • Advanced reporting and analytics

Our Mission

Our mission is simple: to help businesses thrive by delivering industry-leading customer support, real-time reporting, transparent pricing and truly affordable eCommerce and retail payment processing fees.

We work every day to provide:

  • Superior, U.S.-based support from knowledgeable payment professionals
  • Industry-leading reporting and analytics for total transaction clarity
  • Honest, transparent pricing with no hidden fees
  • Long-term relationships, not transactional vendor interactions

We aim to be the easiest and most trustworthy part of running your business.

The BAMS team at work in their office
Bloomberg Television

How We Started

BAMS was founded in 2006 by Dimitri Akhrin on the premise that delivering on every level of commitment is the cornerstone of a successful business. At BAMS, we work from the motto “under-promise, over-deliver.”

Nearly two decades later, BAMS continues to grow by following this founding principle and delivering meaningful value to merchants nationwide.

Serving All Five Boroughs

Local NYC Merchant
Services Provider

BAMS is a local NYC merchant services provider helping businesses accept payments across the Bronx, Brooklyn, Manhattan, Queens and Staten Island. From retail storefronts and restaurants to professional services and eCommerce brands, our team delivers secure payment processing, transparent pricing and personal support for merchants throughout the Metropolitan New York City area.

Our New York City office is located in Bay Ridge at 413 86th Street, Brooklyn, NY 11209. Being based in Brooklyn gives our merchants access to a nearby payment solutions team that understands the local market and is ready to help with account setup, processing questions, funding and long-term growth.

Bronx Local support available

Merchant Services for Bronx Businesses

Bronx merchants need payment processing that keeps up with busy counters, recurring customers and growing online sales. BAMS helps local businesses streamline card acceptance with secure terminals, payment gateways, detailed reporting and funding options that support dependable cash flow. Our New York City-based team provides direct assistance without forcing merchants through a distant call center.

Talk with a local specialist
Coverage Bronx

Support steady payment volume across neighborhood retailers, restaurants, professional offices and growing eCommerce operations throughout the Bronx.

HeadquartersBay Ridge
OfficeBrooklyn
SupportU.S.-based
Visit our office 413 86th Street Brooklyn, NY 11209
Brooklyn Local support available

Brooklyn Merchant Services

Brooklyn is our home. From our Bay Ridge office, BAMS supports neighborhood stores, restaurants, contractors, professional practices and eCommerce companies across the borough. Local merchants can work with an experienced payment solution provider that offers transparent account reviews, responsive support and technology selected around the way each business accepts payments.

Talk with a local specialist
Coverage Brooklyn

Work with a local payment team based in Bay Ridge that understands the pace, diversity and day-to-day needs of Brooklyn businesses.

HeadquartersBay Ridge
OfficeBrooklyn
SupportU.S.-based
Visit our office 413 86th Street Brooklyn, NY 11209
Manhattan Local support available

Payment Processing in Manhattan

Manhattan businesses operate in one of the most demanding commercial environments in the country. BAMS provides reliable payment processing for high-volume retail, hospitality, professional services and online commerce. Clear transaction data, flexible integrations and attentive account management help merchants keep payments moving while maintaining visibility across locations and sales channels.

Talk with a local specialist
Coverage Manhattan

Give high-volume Manhattan merchants reliable payment technology, clear reporting and direct access to experienced local account support.

HeadquartersBay Ridge
OfficeBrooklyn
SupportU.S.-based
Visit our office 413 86th Street Brooklyn, NY 11209
Queens Local support available

Merchant Solutions for Queens

Queens merchants serve highly varied communities and need flexible ways to accept in-person and online payments. BAMS supports established companies and growing businesses with EMV and contactless acceptance, payment gateway integrations, chargeback tools and practical reporting. Our team helps merchants select a setup that fits their current operation and can scale with future growth.

Talk with a local specialist
Coverage Queens

Equip retailers, hospitality businesses, service providers and online merchants across Queens with secure and scalable payment solutions.

HeadquartersBay Ridge
OfficeBrooklyn
SupportU.S.-based
Visit our office 413 86th Street Brooklyn, NY 11209
Staten Island Local support available

Staten Island Payment Services

Staten Island businesses can access modern payment technology while working with a provider based in New York City. BAMS combines straightforward pricing with dedicated support, secure processing and faster funding options. Whether a merchant serves customers at a storefront, through invoices or online, we help create a payment setup that is efficient and easy to manage.

Talk with a local specialist
Coverage Staten Island

Help Staten Island businesses accept payments smoothly with transparent pricing, responsive support and funding options designed for stronger cash flow.

HeadquartersBay Ridge
OfficeBrooklyn
SupportU.S.-based
Visit our office 413 86th Street Brooklyn, NY 11209
20+
Years In Business
10K+
Statements Analyzed
$10B+
Dollars Deposited
100M+
Transactions Processed

Why eCommerce & Retail Merchants
Choose BAMS

Merchants partner with BAMS for one reason: we are committed to doing things differently.

Transparent Interchange-Plus Pricing

No hidden fees, no misleading rates. Just clear, honest billing that reduces costs and builds trust.

Faster Access to Your Money

Same day funding and next day funding options help improve cash flow and keep your business moving.

Advanced Payment Technology

From payment gateways to Level 3 processing, analytics and chargeback defense, BAMS provides high-performance tools designed to support modern eCommerce and retail business needs.

Recognized Industry Reputation

BAMS holds a BBB A+ rating, is an Authorize.Net Preferred Reseller and participates in the Goldman Sachs 10,000 Small Businesses program, further demonstrating our credibility and focus on excellence.

What We Do: Merchant Services
Designed for Growth

BAMS provides a complete suite of merchant solutions tailored to businesses of all sizes and industries:

Designed to Help You Grow

We've built our platform and services around the real needs of merchants. Faster access to funds, stronger protection and support that actually supports.

Fast Payments

Next-day funding and funds deposited in as little as ten hours after batching, at no extra cost to you. Keep your cash flow moving without the friction.

Same-day funding options put your approved batch in your bank account on the day of settlement, so revenue is available when you need it.

Faster deposits mean easier payroll, quicker inventory restocks and less reliance on credit lines to cover short-term gaps.

Every funding schedule is backed by transparent batch reporting, so you always know exactly when and how much you'll be paid.

In-House Support

Get help from real in-house technicians and dedicated account reps. Our online ticketing helpdesk ensures you're never left waiting.

Chargeback Control

BAMS Dispute Responder provides immediate notification, a clear action plan and easy online management to protect your revenue.

“BAMS is grateful for the opportunity to earn your business and we look forward to establishing a long-term relationship.”
Dimitri Akhrin
Dimitri Akhrin Founder and President

BAMS Management Team

Dimitri Akhrin

Dimitri Akhrin

Founder and President

Mr. Akhrin founded BAMS with a commitment to excellence, building strong industry relationships and leading innovative payment solutions for over 15 years.

LinkedIn
Benjamin Abel

Benjamin Abel

Director of Sales

With a decade in merchant services, Benjamin Abel rose to Director of Sales at BAMS and leads a skilled team with ethical sales practices and innovative strategies.

LinkedIn
Igor (Eric) Aynbund

Igor (Eric) Aynbund

Director of Operations

Igor (Eric) Aynbund manages and develops the Support, HR and Accounts Receivable/Payable departments, ensuring optimal performance and client satisfaction.

LinkedIn

Alex Braunshteyn

Client Support Manager

Dan Rudoy

Technical Support Manager

Lori Katz

Operations Support Specialist

Rei Bruzia

Technical Support Specialist

Jeff Fuhr

Business Development Manager

Olga Dimens

Business Development Manager

Shavonne Howlett

Business Development Manager

Troy Gladden

Business Development Manager

Matt Mills

Tele-Quality Assurance Analyst

Community Impact and Supported Causes

At BAMS, we believe in giving back to the community and are proud to support a variety of meaningful causes that align with our values. Through our ongoing contributions, we strive to make a positive impact, working together to create a better future for all.

Crohn's & Colitis Foundation Fountain House New Jersey PTA

Frequently Asked Questions about BAMS

Everything you need to know about our merchant services.

BAMS (Bank Associates Merchant Services) is a full-service payment solution provider headquartered in Brooklyn, New York. Since 2006 we have helped businesses of every size, from independent retailers to national hotel chains and eCommerce brands, accept payments easily, securely and affordably. We pair modern technology with personalized U.S.-based support. Explore our full range of payment solutions.
Absolutely. BAMS holds an A+ rating with the Better Business Bureau, is an Authorize.Net Preferred Reseller and is a proud participant in the Goldman Sachs 10,000 Small Businesses program. We have processed billions of dollars in transactions for thousands of merchants across the U.S. and we back every account with transparent contracts, no hidden fees and a dedicated account representative. Not sure how to vet a processor? Use our checklist for evaluating any processor.
Our headquarters is in Brooklyn, New York and all of our support and account management teams are based in the United States. When you contact BAMS you reach a real, knowledgeable payment professional, not an overseas call center or an automated bot. Our entire team has been in-house since day one. Get in touch with our team.
BAMS offers a comprehensive suite of payment solutions, including retail and eCommerce merchant accounts, payment gateway integrations, EMV and contactless terminal solutions, same-day and next-day funding, Level 3 processing for B2B transactions, chargeback defense, advanced reporting and analytics, PCI compliance support, buy now pay later (BNPL) options and gift and loyalty programs. Learn how payment gateway integration can unlock Level 3 rates.
BAMS uses interchange-plus pricing, the most transparent model in the industry. You pay the true interchange rate set by Visa, Mastercard and Discover plus a small, clearly disclosed BAMS markup. No bundled tiers, no inflated buckets and no surprise fees. We also offer a free statement analysis that shows exactly how much you could save, line by line. See our merchant account pricing for details.
Yes. BAMS offers same-day and next-day funding so you can access your sales revenue faster and keep cash flow moving. Same-day funding deposits your approved batch into your bank account on the day of settlement, a critical advantage for businesses with tight margins or rapid growth. Next-day funding arrives the business day after your batch closes. Read more about eCommerce funding solutions that defend your deposits.
BAMS provides a dedicated chargeback defense solution that monitors your transactions, flags suspicious activity early and gives you the documentation and guidance you need to fight disputes and win. Our team walks you through the entire representment process, helping you protect revenue and keep a healthy chargeback ratio so your merchant account stays in good standing.
BAMS gives merchants access to IRIS CRM, an industry-leading reporting platform with real-time visibility into every aspect of your processing. View transaction summaries, batch details, deposit reports, chargeback notifications and detailed fee breakdowns from a single dashboard, available 24/7. No waiting for a monthly paper statement. For a practical workflow, see our daily guide to deposit reconciliation.
BAMS specializes in eCommerce payment processing and works with merchants on all major platforms including Shopify, WooCommerce, Magento, BigCommerce, Volusion and more. We support Authorize.Net gateway integrations, fraud prevention tools and Level 3 data processing which reduces interchange costs on B2B and government transactions. Whether you're just launching your online store or scaling an established brand, BAMS can configure a processing solution tailored to your volume, cart platform and risk profile.
Switching to BAMS is straightforward and our onboarding team makes it as smooth as possible. Start by submitting a recent processing statement for a free savings analysis. Once you decide to move forward, a dedicated BAMS representative guides you through the application, underwriting and terminal or gateway setup process. Most merchants are fully set up and processing within a few business days. Before you switch, check these 6 fee triggers that spike processing costs.

Join the BAMS Team

We are a team of passionate problem solvers dedicated to revolutionizing merchant services. If you believe in transparency, hard work and helping businesses grow, you belong here.

View Open Positions
BAMS Office
Headquartered in Brooklyn, New York

Ready to simplify your payments?

Get transparent pricing, expert support and the modern tools you need to grow your business today.

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