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Payment expertise tailored to how your business operates.

E-CommerceOnline and omnichannel merchantsRestaurantsFast, dependable service environmentsRetailersSingle and multi-location retailHospitalityPayments for guest-first businessesB2BOptimized commercial card processingNon ProfitMake every contribution countSalonsSimple checkout for service teamsHealthcareSecure patient paymentsMail OrderReliable card-not-present paymentsAuto RepairKeep service bays movingSupermarketHigh-volume grocery paymentsMobile PaymentsTake payments wherever work happensFuneral HomesCompassionate payment solutions for funeral service providersBusiness OwnersTools for growing businessesDevelopersFlexible payment integrationsAffiliatesGrow with the BAMS partner networkBookkeepersPartner support for your clients
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Solutions

Payment solutions built to support your business at every stage.

Accept payments

BAMS Payment GatewayA flexible gateway built for merchantsPayment GatewaysConnect the tools you already useE-Commerce Merchant AccountsFlexible payment processing built for online sellersMobile PaymentsAccept secure payments wherever business happensLevel 3 ProcessingLower interchange costs on eligible B2B transactionsEMVSecure in-person chip card transactions

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Same Day FundingImprove access to daily cash flowNext Day FundingGet eligible deposits the next dayFundingCompare funding options for your businessGift & LoyaltyEncourage repeat visits with branded rewardsCompetitive Price GuaranteeGet transparent pricing built to competeNYC Merchant ServicesLocal payment processing services

Protect & expand

Chargeback DefenseRespond clearly and reduce lossesReporting & AnalyticsSee performance in one placePCI ComplianceMake payment security easierOptBlueAccept supported wallets with integrated pricingApple PayOffer a fast and familiar mobile checkoutBuy Now, Pay LaterGive customers flexible ways to pay
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Explore BAMS
Merchant account price comparison

5-Step Merchant Account
Price Comparison

Our five-step process starts with you submitting your current merchant statement so that we can do an in-depth analysis of all the rates and fees you’re currently paying.

Request Quote See the 5-Step Process
A review built around your current account, not a generic rate.
REVIEW STATUS
Statement Received
Merchant Statement
Illustrative Account Review
Interchange Qualification ReviewREVIEWIn Scope
Processing FeesREVIEWIn Scope
Network-Related FeesREVIEWLogged
Deposits & CountsREVIEWLogged
ANALYSIS PATH Line-by-Line Review
BAMS review path

From statement review to a clearer next step.

BAMS process

A Closer Look at
What You're Paying

Merchant statements can contain multiple rates, fees and processing details. BAMS reviews your current setup as part of its comparison process so you can understand the account structure before considering a different merchant-services option.

BAMS goes line by line to determine which items we can reduce or eliminate to save you as much money as possible without sacrificing the service you need. See what a merchant services professional will review.

Current Merchant Statement
Rates and Fees
Account Classification
Payment Acceptance Setup
Merchant accepting a contactless payment from a customer using a handheld terminal Built for real payment acceptance
The five-step review

A financial review with a beginning, middle and next step.

Follow the full process in order. The visual on the right updates as each part of the review comes into view.

Step 01 Classify

Classification Review

Before doing anything else, we ensure your account is set up correctly under the right industry type. This might sound trivial, but it is an effective way to safeguard your account and maximize your savings. Confirming an accurate setup minimizes the financial risk you would otherwise be exposed to if your account was set up with an industry misclassification.

*Misclassification can happen with processors who do not understand your business. So, beware of companies with rock-bottom prices that do not review your account, as it may cost you more later.
Step 02 Compare

Side-By-Side Comparison

There are not many payment processing companies that will take the time to review your bills to uncover hidden fees and price increases that hike up your expenses unnecessarily, but that is what we do. We commit to a thorough review of your monthly bills to pinpoint fees you can either lower or eliminate by switching to BAMS. Our side-by-side comparison is a can-not-lose solution. Either we save you money, or you stick with what you already have. (Spoiler alert: We will save you money!)

Why compare merchant statements?
Reviewing a merchant statement can help a business better understand how processing expenses are structured and where certain account costs originate.
Step 03 Check

Check For Updated Regulations

Like every other part of business, the regulatory environment governing payments and payment processing changes from time to time. When that happens, many other payment processors fail to adjust your account to keep up with the benefits new regulations offer. Our price comparison process ensures that you are getting the full advantage of the latest pricing regulations available to maximize your savings.

Step 04 Review

Review Your Payment Acceptance Setup

It is easy to focus on the types of cards you accept and overlook the importance of your point of sale terminal or payment gateway. But the truth is, how you accept payments is often just as important to your bottom line. That is why our analysts review your current method before making recommendations to help lower your expenses. We are committed to saving you as much as possible in all aspects of the process.

BAMS Payment Gateway EMV Solutions Mobile Merchant Services
Step 05 Decide

Review Your Proposal

BAMS will assign an account manager who will reach out to you in 1-2 business days to review your merchant statement. BAMS will perform a full review of your fees and deliver a pricing analysis along with recommendations to improve your bottom line by working with us. A new merchant account could be approved on the same business day on which we receive your complete merchant application.

BAMS ANALYSIS STEP 01
In review

Classification Review

01
ACCOUNT PROFILEClassification confirmed

Your account is mapped to the right business type.

verified
BUSINESS TYPERetail
INDUSTRYGeneral
ACCOUNT STATUSActive
✓Ready for a line-by-line pricing review
MONTHLY REVIEWCurrent account vs BAMS
CURRENT$1,284.60processing feeshigher cost
VS
BAMS REVIEW$1,046.20illustrative pricingopportunity found
Compare the details, not just the advertised rate.
✓
COMPLIANCE CHECKPricing requirements reviewed
passed
Account disclosureschecked
Network requirementschecked
Updated pricing rulesreviewing
No missing review items detected
PAYMENT ACCEPTANCE MAPWhere customers pay
BAMSone review
In-personterminal
Onlinegateway
Mobilepayments
Setup checked across every channel
REVIEW COMPLETEYour comparison is ready

We have the details needed to prepare your next step.

Potential opportunity$238.40illustrative monthly difference
Submit your statement for a tailored quote →
DOCUMENTSTATEMENT
DATAGENERIC
STATUSOPEN

Illustrative interface only. Actual review findings depend on the merchant statement and account setup provided.

A closer review

What Goes Into a Merchant Account Price Comparison?

A clear comparison follows the elements already present in your account: classification, fees, pricing changes, payment acceptance, regulatory considerations and overall structure.

Account Classification

Rates and Fees

Pricing Changes

Payment Acceptance Setup

Regulatory Considerations

Overall Account Structure

BAMS statement review

The Starting Point for
Your Price Comparison

A merchant statement brings together the transaction summary, processing fees, network-related fees, deposits and transaction counts that make up a payment processing account. It is the document BAMS uses to understand your current setup before making recommendations through the five-step review.

1 Merchant statements provide a breakdown of customer transactions and associated fees, including details on fees paid to MasterCard, Visa, and other networks, as well as deposit summaries and transaction counts for payment processing insights.

The BAMS difference

What BAMS Delivers When We Compare Merchant Accounts

Our top priority is to provide you with the best products, services, and prices so that you get the best value for your money. To ensure this, we offer a Low Price Guarantee along with our five-step price comparison. This means that if, while we are working together, you receive a qualified offer for a less expensive merchant account with a registered financial service provider, we will match or beat that offer.

Merchant Services Payment Gateway Solutions Mobile Merchant Services

Competitive Price Guarantee

Compare your qualified offer with the review BAMS prepares. Read the Competitive Price Guarantee and the next step.

Qualified offerReview-backedMatch or beat
Pricing clarity

Understand Your Processing Costs Before You Switch

Comparing merchant-service pricing is not just about finding one advertised rate. Rates, account fees, payment methods, equipment and gateway setup can all contribute to overall payment-processing expenses. A statement review gives those details somewhere to start.

Merchant reviewing a payment statement beside a card terminal Review every cost before switching
Merchant account ratesThe pricing applied to each transaction.
Merchant account feesMonthly, per-transaction and network costs.
Payment acceptance setupHow customers pay and what supports it.
Regulatory considerationsRequirements that shape the account setup.
Compare your options

See How BAMS Compares

BAMS vs Stripe BAMS vs Square BAMS vs PayPal BAMS vs Adyen
BAMS partner solutions

The fastest path to
better payment acceptance

Connect your merchant account review to the payment tools and services that help your business accept payments with confidence.

eCommerce Merchant Accounts

Support secure online payments with an account setup built around your customer journey, business model and processing needs.

Learn more

Online Payment Gateways

Connect your checkout experience to a flexible gateway solution that helps you accept payments smoothly across digital channels.

Learn more
BAMS questions, answered

Clear before you commit.

It is a review of a business’s current payment-processing account, rates, fees and setup to compare its existing costs with another merchant-services option. Learn more about merchant account pricing.
BAMS asks you to submit your current merchant statements. They provide the information needed for a merchant statement review.
A merchant account statement provides a breakdown of customer transactions and associated fees, including details on fees paid to MasterCard, Visa, and other networks, as well as deposit summaries and transaction counts for payment processing insights.
The process starts with a line-by-line review of the rates and fees you are currently paying, helping identify hidden fees in merchant services that could be reduced or eliminated.
Potential savings depend on your current rates, fees, processing volume, and account setup. Review BAMS merchant account pricing for more context on how costs can compare.
A processor change can be planned around your current workflow and equipment. BAMS can review your setup and help identify the right integrations for a smooth transition.
These pricing models organize processing costs differently, which can affect how clearly you see the rates and fees on your account. Learn more about interchange-plus and tiered pricing.
BAMS supports payment-processing setups across eCommerce, point-of-sale, and mobile business models. See the eCommerce merchant account information for more details.
Chargebacks and payment risk can affect both costs and account stability. BAMS provides chargeback defense resources to help businesses manage these issues.
Contract terms and cancellation policies can vary by provider and account agreement. Review the BAMS merchant account FAQs for related details.
Your next step

What Do You Have To Lose?

Request a quote today to discover the difference a BAMS eCommerce merchant account can make for your business.

Request Quote
YOUR REVIEW PATHReady when you are
READY TO BEGIN
01Submit merchant statementStart with your current accountSTART
02Meet your account managerReview your goals and setupCONNECT
03Receive pricing analysisSee the details side by sideCOMPARE
04Decide what makes senseChoose the next step for your businessYOUR CALL
A review built around your account→
Request Quote