Frequently Asked Questions

BAMS offers flexible contract terms tailored to your needs.  BAMS provides month-to-month commitments as well as one-year and three-year plans that offer guaranteed locked-in pricing.

The best way to let us know you appreciate our effort and services is to refer BAMS to another business in your network.  By submitting BAMS a referral which then becomes an approved merchant, your business will receive $250.00 from BAMS and you can click here to submit a referral.

Absolutely not!  BAMS merchant accounts are compatible with any US-based bank account to receive next day funding at no additional cost to your business.  Funds are delivered via ACH and deposited directly into your business checking account automatically.

BAMS is known in the payments industry as a cornerstone for providing one of the fastest funding times available.  Merchants may be able to receive funding in as little as 12 hours from the time of settlement.  Merchants who do not qualify for 12-hour funding, because of their software or hardware configuration, will receive their funds into any bank account within 1 to 2 business days.

We approach every business opportunity with the spirit of providing the best pricing and customer support.  Your assigned account manager will review any competitive offer and work through our wholesale channels to provide you with the best BAMS pricing available.

BAMS offers a multi-layered support system to provide the appropriate support when necessary.  Our team has built a reputation for being customer-focused and BAMS has Technical Support available 24 hours a day and 7 days a week for most software and hardware configurations.  Customer support is available from 9:00 AM – 6:00 PM EST for account management requests.

BAMS strives to keep your business using your existing software or hardware to avoid having to re-train employees whenever possible.

BAMS uses an automated underwriting system which automatically approves approximately 70% of businesses on the same business day that we receive your completed application.  The remaining 30% of businesses go through a manual review which takes an average of 2-3 business days.  Clients are often able to begin using their new BAMS merchant account on the same day that the merchant account number is generated.

Rest assured that with BAMS you will experience zero downtime and that we have thousands of businesses that have been successfully using our services since 2006. Our professional account managers and technical support staff work tirelessly to ensure a seamless transition so that your business is able to accept payments without skipping a beat.

BAMS has integrations with 90%+ of the existing software and hardware available on the market.  We would be delighted to confirm compatibility with your specific software or hardware during the process of requesting a quote.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.