Outgrown PayPal?
Stop overpaying.
PayPal is great for getting started. But as your volume grows, their flat-rate fees, aggregated account structure, and lack of dedicated support become major liabilities. BAMS gives you true interchange-plus pricing with a real account manager from day one.
- Over 99% uptime on processing
- No hidden account limits or freezes
- Next-day funding — standard, no extra fee
Stop treating your business like a hobby.
PayPal is great for getting started. But as your volume grows, their massive fees, aggregated account structure, and lack of support become major liabilities that cost you real money every day.
Drastically Lower Fees
PayPal's 3.49% + 49¢ rate adds up fast. BAMS processes at true interchange cost plus a small markup — typically saving merchants 30–50% on every transaction depending on card type.
Your Own Merchant Account
PayPal lumps your money into an aggregated account — which is why they can freeze funds without notice. BAMS gives you a dedicated merchant account (DBA) with funds flowing directly to your bank.
Dedicated Account Manager
A real person who knows your account and picks up the phone. Not a chatbot, not a help ticket — a dedicated manager who handles your setup and stays available when issues arise.
Standard Next-Day Funding
Why pay PayPal's 1% Instant Transfer fee just to access your own money? BAMS includes next-day standard funding at no extra cost — better cash flow without the surcharge.
Professional Checkout
Stop sending customers away to a PayPal login screen. BAMS integrates directly with Shopify, WooCommerce, Magento, and more — keeping your brand front and center.
Feature by Feature Comparison
See exactly why businesses migrate from PayPal to BAMS for better rates and reliable support.
| Features | RECOMMENDED BAMS |
PayPal |
|---|---|---|
| Pricing & Fees | ||
| Online Processing Rate | Interchange Plus (Cost + Small Markup) | ✕ 3.49% + 49¢ |
| In-Person Processing | Custom / Very Low | ✕ 2.29% + 9¢ |
| Chargeback Fee | ✓ Included in protection plans | ✕ $20–$30 per instance |
| Account & Risk | ||
| Account Structure | Dedicated Merchant Account (DBA) | ✕ Aggregated / Shared Acct |
| Algorithm Freezes / Limits | ✓ No. Human risk assessment | ✕ Yes, highly aggressive AI |
| Standard Fund Holds | ✓ None for approved limits | ✕ Up to 21 days for new accounts |
| Support & Results | ||
| Dedicated Account Manager | ✓ Yes, from day one | ✕ Limited, automated portal |
| Phone Support | ✓ 24/7/365 US-Based | ✕ Limited hours, automated |
| Next-Day Bank Transfers | ✓ Included Standard | ✕ Costs 1% extra for instant |
PayPal's Online Rate is Devastating to Margins.
When a customer checks out on your website using PayPal, they automatically charge a minimum 3.49% + 49¢. A standard debit card's true wholesale cost is closer to 0.06% + 22¢. PayPal keeps the difference — costing you real dollars on every single swipe.
BAMS passes the true cost directly to you with a small markup, saving you $2–$3 on every $100 transaction compared to PayPal flat rates.
Graduated from PayPal? You're not alone.
Thousands of serious businesses have migrated to BAMS for better rates and reliable support.
"We switched to BAMS from our old merchant services provider a few months ago and are happy that we did. The service and technology that they provide us are great, and they have been able to save us more on our discount fees than they even estimated that we'd save."
"Our company switched over to BAMS over a year ago and we have been very pleased with our decision. He helped make the transition seamless. We are happy with the rates and the high level of customer service we receive."
"Great discount rates (they really do give a better rate for government credit cards). Outstanding customer service and follow-up! BAMS is my 4th credit card processor over 15 years and is by far the best!"
Common Questions
Everything you need to know about leaving PayPal behind.
Stop donating 3.5% of your revenue to PayPal.
Let us run a free, side-by-side analysis of your current processing statement. We'll show you exactly how much you can save by switching to true interchange-plus pricing.
- 100% Free, zero-obligation analysis
- Guaranteed rate reduction
- Next-day funding activated
Get Your Free Savings Quote
Tell us about your business and we'll put together a free, no-obligation statement analysis — typically completed within 1 business day.
- 100% Free, zero-obligation analysis
- Guaranteed rate reduction
- Dedicated account manager assigned
*PayPal is a registered trademark of PayPal, Inc. BAMS is not affiliated with PayPal. This comparison is for informational purposes based on publicly available pricing data. Actual savings vary by transaction type, volume, and card mix.
