Stop paying premium rates
for basic payment processing.
Growing businesses are switching from Stripe to BAMS for transparent interchange-plus pricing, dedicated account managers, and true flexibility. Keep more of your hard-earned revenue.
- Save up to 40% on fees vs. Stripe
- Next-day funding — standard, no extra fee
- No long-term contracts
Built for Businesses, Not Just Developers
Stripe revolutionized developer payments, but traditional and growing businesses need more than just good documentation. They need support, hardware, and better margins.
Interchange Plus Pricing
Stripe's 2.9% + 30¢ flat rate sounds simple, but it hides massive margins on debit cards. BAMS passes the true wholesale cost directly to you with only a small markup — typically saving 30–45% on your effective rate.
Dedicated Account Manager
Stripe is self-service by design. BAMS assigns every merchant a real account manager from day one — someone who reviews your statement, handles disputes, and picks up the phone when it matters.
Next-Day Funding
Stripe's standard payout is 2 business days. BAMS deposits directly to your bank account the next business day — standard, no fee, no premium tier required. Better cash flow from day one.
Free Smart Equipment
Stripe Terminal requires developer setup and hardware purchases. BAMS provides free terminal placement for qualifying merchants — compatible with hundreds of open POS systems and ready to go out of the box.
No Surprise Freezes
Stripe's automated risk system can hold or terminate accounts without notice — especially for higher-risk or high-volume businesses. BAMS uses human underwriting to keep your cash flow stable and your account secure.
Month-to-Month Agreements
No long-term contracts, no cancellation fees. BAMS earns your business every month through competitive rates and real service. You stay because the value is there — not because you're locked in.
Feature by Feature Comparison
See exactly how BAMS stacks up against Stripe in the areas that matter most to your bottom line.
| Features | RECOMMENDED BAMS The Pro Choice |
Stripe |
|---|---|---|
| Pricing & Fees | ||
| Pricing Structure ⓘ | Interchange Plus | ✕ Flat Rate Structure |
| Core Present Rate | Custom / Very Low | ✕ 2.7% + 5¢ |
| Card Not Present Rate | Custom / Low | ✕ 2.9% + 30¢ |
| High Volume Discounts | ✓ Yes, standard | Only via custom contract |
| Support & Service | ||
| Dedicated Account Manager | ✓ Yes | ✕ No |
| Phone Support | ✓ 24/7 US-Based Support | Limited hours, automated |
| Hardware & Tech | ||
| Free Equipment Program | ✓ Yes | ✕ No, purchase only |
| Next-Day Funding | ✓ Standard | ✕ 2 business days |
| Developer API | ✓ Yes | Industry Leading |
The Truth About Flat-Rate Pricing
Stripe's "simple" 2.9% + 30¢ rate seems great at first. But what happens when a customer pays with a basic debit card that only costs 0.05% + 22¢ to process?
Stripe keeps the massive difference.
BAMS uses Interchange Plus pricing. We pass the true cost directly to you, plus a small, transparent markup. For businesses doing over $10K/month, this typically results in 20–40% savings on processing fees.
Don't Just Take Our Word For It
Join thousands of businesses who outgrew Stripe and upgraded to a payment partner that actually partners with them.
"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!"
"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."
"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!"
Frequently Asked Questions
Everything you need to know about making the switch.
Ready to stop overpaying for payments?
Send us your most recent processing statement. We'll analyze it for free and show you exactly how much you'll save by switching to BAMS.
- Free, no-obligation analysis
- Guaranteed rate reduction
- Seamless transition plan
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
*Stripe is a registered trademark of Stripe, Inc. BAMS is not affiliated with Stripe. This comparison is for informational purposes based on publicly available pricing data as of 2025. Actual savings vary by transaction type, volume, and card mix.
