How does BAMS help with PCI compliance?

BAMS helps businesses stay PCI compliant by providing guidance, tools, and secure payment solutions designed to protect cardholder data. This includes support with PCI questionnaires, secure payment gateways, EMV transactions, and best practices for handling credit card information. Every step along the way we will help you reduce risk while meeting ongoing compliance requirements.

What are the eligibility requirements for BAMS funding options?

Eligibility for BAMS funding options depends on factors such as your business type, processing history, transaction volume, and how payments are accepted. Funding availability can also vary based on business operational hours, which an account representative can help explain based on your specific setup.

How is BAMS pricing structured?

BAMS pricing is structured based on how your business processes payments, including transaction type, volume, and risk profile. Pricing for credit card processing may vary depending on whether you accept payments in person, online, or through B2B payment solutions. BAMS prides itself on setting up merchants on transparent pricing models designed to clearly show processing costs, with your dedicated account representative able to answer any questions you may have.

IRIS CRM is a reporting and customer resource management platform that helps you track transactions, manage accounts, and review your statements all in one place. BAMS merchants receive free access to IRIS CRM, which supports advanced reporting, statement review, and account management across multiple payment solutions.

What should I do if I have a question about my statement or transaction?

If you have a question about your statement or a specific transaction, BAMS support is here to help. If something is unclear, you dedicated account representative or the BAMS support team can help explain charges, funding timelines, or individual transactions.

How do I contact BAMS support?

BAMS provides multi-layer support to ensure there is always someone to help. You can contact BAMS support by phone or email for help with merchant services, payment processing questions, or account-related needs. Support is available to assist with things like reporting, funding questions, PCI compliance, and technical issues. You will have access to a dedicated account representative, in office local support and 24/7 technical support and an online helpdesk for ticketing.

How does BAMS help businesses stay PCI compliant?

BAMS helps businesses stay PCI compliant by providing guidance, tools, and secure payment solutions designed to protect cardholder data. This includes support with PCI questionnaires, secure payment gateways, EMV transactions, and best practices for handling credit card information. Every step along the way we will help you reduce risk while meeting ongoing compliance requirements.

What are the benefits of using BAMS for credit card processing?

Using BAMS for credit card processing gives you access to a service-focused merchant services provider known for hands-on support and transparency. Benefits may include a competitive rate guarantee program, next-day merchant funding options, and award-winning reporting tools that make it easier to understand your payment activity. Solutions are tailored to how you accept payments, with guidance designed to support long-term business needs.

What is next-day merchant funding, and how does it work with BAMS?

Next-day merchant funding means your approved card transactions may be deposited into your bank account as soon as the next business day. With BAMS payment processing, transactions are authorized and settled through the card networks, then funds are scheduled for deposit based on your setup. Funding timeframes can vary depending on your bank, transaction type, and processing profile but we will work with you to ensure the fastest possible funding window.

Is BAMS a legitimate payment processor?

Yes, BAMS is a legitimate payment processor that has been in business since 2006, supporting businesses with credit card processing and merchant services. BAMS provides payment processing, payment gateways, PCI compliance support, and other payment solutions for in-person, online, and B2B transactions. Over this time, BAMS has built a strong, positive reputation focusing on transparency, service, and merchant-specific payment needs.

Who uses BAMS merchant services?

BAMS merchant services are used by small to mid-sized businesses that accept credit cards or digital payments. This includes retail stores, professional service providers, eCommerce merchants, and B2B companies with more complex payment needs. Businesses that process in person, online, or through mobile payment solutions may use these merchant services, with setups designed to fit their industry, transaction volume, and how they receive payments.

How does BAMS payment processing work?

BAMS payment processing works by securely moving a customer’s card or digital payment from their bank to your business’s bank. When a payment is made, the transaction is authorized, encrypted, and sent through the appropriate payment networks, then settled and funded to your account. The exact process can vary based on how you accept payments, such as in person, online, or through mobile payment solutions.

What is BAMS merchant services?

BAMS merchant services are the payment processing and merchant services that help your business accept credit cards and other electronic payments. These services can include credit card processing, payment gateways, eCommerce and mobile payment solutions, PCI compliance support, and B2B payment options. The specific setup is tailored to how you do business, the types of payments you accept, and your operational needs.

How does BAMS help with PCI compliance?

BAMS helps businesses stay PCI compliant because it provides guidance, tools and secure payment solutions designed to protect cardholder data. This also includes support with PCI questionnaires, secure payment gateways, EMV transactions and best practices for handling credit card information. Every step along the way, we help you reduce risk while meeting ongoing PCI compliance requirements. For deeper guidance, read dangerous gaps in PCI compliance.

What are the eligibility requirements for BAMS funding options?

Eligibility for BAMS funding options depends on factors such as your business type, processing history, transaction volume and how payments are accepted. Funding availability can also vary based on business operational hours, which an account representative can help explain based on your specific setup.

How is BAMS pricing structured?

BAMS pricing is structured based on how your business processes payments, including transaction type, volume and risk profile. Pricing for credit card processing may vary depending on whether you accept payments in person, online or through B2B payment solutions. BAMS also prides itself on setting up merchants on transparent pricing models designed to clearly show processing costs. You can also use our 5-Step Merchant Account Price Comparison to better understand how your current costs compare. Your dedicated account representative can then answer any questions you may have.

IRIS CRM is a reporting and customer resource management platform, so you can track transactions, manage accounts and review your statements all in one place. BAMS merchants also receive free access to IRIS CRM, which supports advanced reporting, statement review and account management across multiple payment solutions. Learn more about BAMS reporting and analytics.

What should I do if I have a question about my statement or transaction?

If you have a question about your statement or a specific transaction, BAMS support is here to help. If something is unclear, your dedicated account representative or the BAMS support team can help explain charges, funding timelines or individual transactions.

How do I contact BAMS support?

BAMS provides multilayer support, so there is always someone to help. You can contact BAMS support by phone or email for help with merchant services, payment processing questions or account-related needs. Support is available to assist with reporting, funding questions, PCI compliance and technical issues. You will also have access to a dedicated account representative, in-office local support, 24/7 technical support and an online helpdesk for ticketing.

What are the benefits of using BAMS for credit card processing?

When you use BAMS for credit card processing, you get a service-focused merchant services provider known for hands-on support and transparency. Benefits may also include a competitive rate guarantee program, next-day merchant funding options and award-winning reporting tools that make it easier to understand your payment activity. Solutions are tailored to how you accept payments, while our guidance supports long-term business needs. Learn more about what to consider when choosing a payment processor.

What is next-day merchant funding and how does it work with BAMS?

Next-day merchant funding means your approved card transactions may be deposited into your bank account as soon as the next business day. With BAMS payment processing, transactions are authorized and settled through the card networks, then funds are scheduled for deposit based on your setup. Funding timeframes can vary depending on your bank, transaction type and processing profile, but we will work with you to ensure the fastest possible funding window. Learn more about BAMS Next Day Funding.

Is BAMS a legitimate payment processor?

Yes. BAMS is a legitimate payment processor that has been in business since 2006, supporting businesses with credit card processing and merchant services. BAMS also provides payment processing, payment gateways, PCI compliance support and other payment solutions for in-person, online and B2B transactions. Over this time, BAMS has built a strong, positive reputation focused on transparency, service and merchant-specific payment needs.

Who uses BAMS merchant services?

Small to mid-sized businesses use BAMS merchant services when they accept credit cards or digital payments. This includes retail stores, professional service providers, eCommerce merchants and B2B companies, especially those with more complex payment needs. Businesses that process in person, online or through mobile payment solutions can also use these merchant services. We then design each setup to fit their industry, transaction volume and how they receive payments.

How does BAMS payment processing work?

BAMS payment processing works by securely moving a customer’s card or digital payment from their bank to your business’s bank. When a payment is made, the transaction is authorized, encrypted and sent through the appropriate payment networks, then settled and funded to your account. The exact process can vary based on how you accept payments, such as in person, online or through mobile payment solutions. For online transactions, learn more about payment gateway solutions.

What is BAMS merchant services?

BAMS merchant services are the payment processing and merchant services that help your business accept credit cards and other electronic payments. These services can also include credit card processing, payment gateways, eCommerce and mobile payment solutions, PCI compliance support and B2B payment options. The specific setup is tailored to how you do business, the types of payments you accept and your operational needs. For a deeper overview, see what a merchant account is and how it works.

B2B PAYMENT PROCESSING

B2B Merchant Services & Payment Processing Solutions

Tailored B2B merchant services and B2B merchant processing solutions with experts who specialize in the specific needs of the business-to-business industry.

Explore Level 3 Processing

Trusted payment partnerBBB4.9 G4.9

BUSINESS PAYMENT

Corporate cardPayment initiated

INVOICE DETAIL

Enhanced transaction dataInvoice Number Tax Amount Customer Code

Data capturedReady for review

B2B payment processing technology supporting commercial card transactions

B2B PAYMENT PROCESSINGCommercial card
data, enriched.

LEVEL 3 READY

Invoice NumberTax Amount

TRANSACTION DATA

Data fields added

More complete contextBasic payment data

REAL B2B PAYMENTS

Professional completing a B2B corporate card payment at a payment terminal

Commercial payment processingConnected, enriched, ready

Trusted for B2B Merchants by Merchants

THE B2B DIFFERENCE

Everything you need to save on corporate cards with interchange optimization using our proprietary B2B payment processing software.

B2B ADVANTAGE

With BAMS

Unlock Lower Rates on Corporate Cards

Maximize Every Transaction

Streamline Savings

Guaranteed Next-Day Funding

Same-Day Funding Available

WITHOUT OPTIMIZATION

Without BAMS

Operate without Level 2 and Level 3 Transactions

Take on Higher Acceptance Costs

Manually Maintain Compliance

Two to Three Days Deposits

Same-Day Funding Not Available

BUILT FOR B2B PAYMENT WORKFLOWS

WHY B2B MERCHANT SERVICES CHOOSE BAMS

Business payments carry more data, so BAMS B2B merchant services bring together the tools and processing paths that help merchants submit richer transaction details with less manual work.

THE DATA LAYERTRANSACTION CONTEXT

Illustrative only

Basic paymentCore transaction details

BASE

Level 2 dataAdditional transaction informationQualifying transactions

LEVEL 2

Level 3 dataDetailed line item informationB2B and B2G context

LEVEL 3

BUILT FOR B2B

B2B payments work differently.

Business payments often involve corporate, purchasing and government cards, while their transaction requirements also go beyond a standard consumer card payment.

CONCEPTUAL COST STACKNot a rate display

Standard transactionBASELINE

STANDARD PATH

Enhanced data transactionDATA-ENABLED

ENHANCED PATH

Enhanced data may help eligible transactions qualify for a different interchange category.

BETTER TRANSACTION DATA

Interchange Cost Reduction

You can reduce acceptance costs and increase your margins, with savings of up to 50% on interchange fees compared to standard retail, keyed-in and eCommerce transactions.

TRANSACTION ENRICHMENTIllustrative workflow

01 / STANDARDBasic payment data

Transaction begins with core payment details.

02 / LEVEL 2Enhanced information

Additional transaction information is added where supported.

03 / LEVEL 3Detailed line items

More detailed transaction and line item information.

04 / OUTPUTOptimized B2B processing

Eligible data is ready for processing.

Enhanced data complete for review

ENHANCED DATA FOR LOWER RATES

Level 2 and Level 3 Processing

BAMS ensures your system is configured correctly for Level 2 and Level 3 data requirements, so your transactions can qualify for lower interchange rates.

B2B PAYMENT FLOWCOMPLIANCE READY

ACTIVE

TRANSACTIONPayment starts

DATA CHECKContext reviewed

REQUIRED FIELDSFields captured

READYReady to process

All required fields capturedReady for compliant submission

B2B

AUTOMATED B2B PROCESSING

Automatic Compliance for B2B Payment Processing

Our platform automatically captures the required data when a B2B payment is processed. This keeps you compliant with card network standards needed for seamless B2B credit card acceptance, while securing the lowest available rates.

BUILT FOR BUSINESS PAYMENTS

B2B Payment Processing for Complex Transactions

From wholesale orders to professional services, BAMS B2B merchant services help businesses accept commercial card payments, while each setup is shaped around their transaction workflows.

Wholesale & Distribution

Corporate and commercial card payments between businesses, including wholesale orders.

Manufacturing

Payments from commercial buyers, including purchasing departments.

Professional Services

Higher value B2B card transactions, including invoiced payments.

Government & Institutional Sales

Eligible government and purchasing card transactions, especially when they require Level 3 data.

Commercial Suppliers

Payments from business customers when they use commercial cards.

B2B eCommerce

Online business transactions that may also benefit from enhanced payment data.

HOW BAMS HELPS B2B CLIENTS

A practical path from current setup to clearer processing.

ANALYZE

Before anything changes, review the merchant’s existing B2B processing setup.

CONFIGURE

Then set up eligible Level 2 and Level 3 transaction requirements.

AUTOMATE

Automatically populate enhanced data whenever the transaction supports it.

OPTIMIZE

Finally, help eligible transactions qualify for lower interchange categories.

A CLEARER PAYMENT WORKFLOW

Level 2 vs. Level 3 Payment Data

The right level of transaction detail depends on the payment as well as the business context. So BAMS helps merchants understand the distinction without adding unnecessary complexity.

Level 2

Level 2 processing includes additional transaction information, such as tax amount and customer code, for qualifying commercial card transactions.

Review eligibility with a price comparison >

Level 3

Level 3 processing also adds line item data and more detailed transaction information for qualifying B2B and B2G transactions.

Read the Level 3 data guide >

COMMERCIAL CARD ACCEPTANCE

Optimize Commercial Card Processing and Acceptance

Corporate, purchasing, business and government cards often require richer transaction data, so BAMS helps connect eligible payments to Level 2 and Level 3 processing.

Eligibility varies by card and transaction, so BAMS B2B merchant services can help you review your setup.

Corporate card tapped on a modern payment terminal for commercial card processing

B2B PAYMENT OPERATIONS

Complete data. Clearer payment activity.

01.

AUTOMATED B2B DATA

Less Manual Entry, More Complete Transaction Data

02.

REPORTING & ANALYTICS

See Your Payment Activity in One Place

BAMS PAYMENT OPERATIONSILLUSTRATIVE VIEW

TRANSACTION WORKFLOWENHANCED DATA READY

INVOICEOrder context

BAMS PROCESSINGData populated

ENHANCED DATAFields prepared

SUBMITTEDReady to send

PAYMENT ACTIVITYRECENT

TRANSACTIONSHistory

DEPOSITSActivity

STATEMENTSReady

Corporate cardTransactionReviewed

Business paymentDepositPosted

Trusted Leader in Payment Processing

Don’t take our word for it when it comes to streamlining payment processing. Instead, let our customers say it best.

★★★★★

We switched to BAMS from our old merchant services provider a few months ago and are happy that we did. The serv...

DavidCaptain Notepad

★★★★★

They are very hands on making sure you have the right equipment you need for all aspects of your business. Highly recommend them.

JanetThe Salty Paw

★★★★★

Center for Sight NY has been a longstanding customer of BAMS and have always had a very positive and pleasant ex...

KrystalCenter for Sight NY

★★★★★

Our company switched over to BAMS over a year ago and we have been very pleased with our decision. Troy has been...

JenniferWine Cellarage

★★★★★

Alex was great to work with when others lacked in response. Overall very happy with Bams and the level of customer services received when needed.

MatthewAPG Exhibits

★★★★★

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!

PaulCoastal Maine Popcorn

★★★★★

Great experience working with Olga to get us switched over to BAMS. Love the use of their portal, and the savings they found for our business of course!

GarbielUnitrends

Additional BAMS Merchant Services

Payment Gateways

Secure gateway credit card processing for B2B payment flows.

Integrations

Connect payment processing with your existing business tools.

Chargeback Defense

Dispute response, management and retrieval support.

BAMS MERCHANT SERVICES FAQ

Useful merchant services answers before you change your setup.

Explore common questions about BAMS B2B merchant services, including PCI compliance, pricing, funding, reporting, payment processing and support.

OPTIMIZE YOUR B2B PAYMENTS

See What Your Corporate Card Transactions Could Be Costing You

Discuss your current B2B merchant services setup with BAMS, then review your Level 2 or Level 3 eligibility.

Speak to a Specialist

B2B Merchant Services & Payment Processing Solutions

Trusted for B2B Merchants by Merchants