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How to Setup Authorize.Net With Your BigCommerce Store

Authorize.Net With Your BigCommerce Store

BigCommerce is one of the top eCommerce platforms currently available and is the #1 enterprise cloud solution for companies doing $1 million or more annually. Based on that success it’s no surprise that BigCommerce is specifically designed to make it as easy as possible to integrate leading payment gateways, including Authorize.Net.

PayPal Powered by Braintree is BigCommerce’s default gateway, so to use Authorize.Net you’ll have to manually change over. Don’t worry, it’s extremely easy. Follow the three simple steps listed below to launch BigCommerce’s setup function and enable your store to accept credit card payments via Authorize.Net. 


Step One: In your BigCommerce dashboard go to the “store setup” tab in the left sidebar, and then select “payments.”

The payments page will provide access to the settings for all payment types, including the default gateway, offline (in-store) payment methods, additional online methods, and digital wallets. 

Step Two: Click the “Online Payment Methods” tab. 

Selecting this tab will open a dropdown list with a full alphabetical list of all the payment gateways and online processors that BigCommerce integrates with, including Authorize.Net.

Step Three: Find the Authorize.Net line and click the “Set Up” button on the far-right. 

This will open the Authorize.Net settings page. Clicking “get started now” begins the setup process. BigCommerce will supply a set of simple instructions guiding you through the process, and you will be prompted to enter the relevant information to connect your Authorize.Net account. 

Setting up Authorize.Net payments with your BigCommerce store will require the following pieces of information:

Display Name: The display name determines how the payment method will appear at checkout. You can leave it as “Authorize.Net,” but to provide clarity to your customers, it’s recommended to set it to something like “credit/debit.”

Merchant ID: This is the identifier for your merchant account. This will either have been assigned by Authorize.Net or, for businesses with their own outside merchant accounts that have been set up to integrate with Authorize.Net, this ID will be assigned by the merchant account provider. 

Username/Password: Your Authorize.Net login will be required to maintain an active connection. Incorrect login details will cause transactions to fail upon attempted payment. 

Transaction Key: In the case of errors on checkout, it may be necessary to generate a new transaction key. That can be done through Authorize.Net’s merchant portal. Full instructions are available via BigCommerce support here: https://support.bigcommerce.com/s/article/Checkout-Errors#authorize

 

Once your account is set up, you can change or manage your settings at any time through the same Authorize.Net panel, and, assuming correct login information has been entered, you can also launch the Authorize.Net merchant portal from directly within BigCommerce. 

If you don’t yet have a merchant account and are in search of the right electronic payments solution for your company, contact BAMS today and speak to one of our experts about how we can use our industry-leading experience to help you get set up with the best payment solution at the lowest possible cost. 

 

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Top Retail POS of 2019

POS merchant account services system

Providing shoppers with a smooth POS, easy checkout experience is key to generating return business and a loyal customer base. There are few things that can frustrate a customer more than waiting in a long line once they’ve made their buying decision or running into trouble with systems at the cash.

That’s why it’s so important for merchants to offer their customers reliable electronic payment solutions, and that starts with a good point-of-sale system. BAMS integrates with 12 of the leading retail POS systems so
that our partners can ensure they’re offering their customers the best checkout and payment experience possible.

Lightspeed
Lightspeed is a mobile POS that can be loaded and accessed on any mobile device. It’s a powerful point-of-sale system that provides retailers with flexible payment options and a suite of useful tools to manage their inventory and business processes. Lightspeed integrates with the Verifone MX915 payment terminal which is EMV-compliant and accepts swipe cards, chip cards, and contactless payments.

Lightspeed also offers retailers advanced inventory management capabilities including the ability to streamline their ordering through centralized catalogs, track time on-shelf, inventory costs, stock levels, and more.

Retail Pro
Retail Pro is a point-of-sale system offering the flexibility of both fixed-desktop and mobile setups to accommodate the needs of all retailers, regardless of their store size or layout. Retail Pro offers POS systems for small businesses, chain stores, and enterprise-level users so that retailers can get the service they need to fit their volume rather than being forced into a one-size-fits-all solution.

Retail Pro’s intuitive and user-friendly interface is one of its biggest selling points, but retailers that choose it should be aware that Retail Pro does not offer card processing hardware and a third-party card reader will be required.

NCR Silver
NCR Silver is a point-of-sale system targeted to small and medium-sized businesses. Their cloud-based mobile POS runs on iOS 8 and 9 and their own hardware solution, the NCR Silver Quantum. They offer full POS solutions tailored to single-location, multi-location, and franchised retailers, as well as ala carte hardware like card swipers, EMV readers, receipt printers, cash drawers, and more.

NCR Silver boasts easy set-up, a simple interface, and lightning-fast training, making it an ideal solution for small businesses looking to gain electronic payment capabilities without taking on the challenges that come along with complex hardware or software projects.

Clover
Clover is an Android-based mobile POS that runs on attractive proprietary hardware systems designed to maximize both function and form. Their Clover Mini provides a small, highly portable tablet-based POS solution that can be easily utilized from a front counter or moved around a store as needed. The
Clover Station provides a more traditional front-counter setup with a rotating tablet, cash drawer, and a receipt printer with customer-facing screen and integrated contactless payment. The POS software is designed for ease-of-use and streamlines inventory management, discounts and
promotions, reporting, employee management, and much more. The software also offers $100,000 in liability protection against data breaches to provide merchants with additional piece of mind.

In addition to Lightspeed, Retail Pro, NCR Silver, and Clover, BAMS also integrates with eight additional retail point-of-sale systems – ShopKeep, Shift4, Quickbooks, iConnect, Cayan, Braintree, ACE, and USAePay.

Contact us today to find out how easy it is to integrate BAMS’ industry-leading electronic payment solutions with any of these popular POS options.

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When is a Third-Party Processor like PayPal, Square, or Stripe Right for You?

PayPal, Square, or Stripe

The electronic payments industry is a hotly contested marketplace, with a wide array of different payment solutions for merchants to choose from. Unfortunately, sometimes that level of choice can lead to indecision. It isn’t uncommon for merchants to respond by signing up for the providers that they’re most familiar with. Sometimes that might mean going directly to their bank. Often it means choosing one of the brand names they’ve seen or read about, with PayPal, Square, and Stripe being three of the most well-publicized. 

Each of those companies provides excellent electronic payment solutions, but it’s important to note that they’re best suited to a very specific kind of business. Companies that jump on board with them based on brand name alone without considering their needs might find themselves limited, or worse yet, bleeding-off profits needlessly. 

 

What Service do PayPal, Square, and Stripe Offer?

PayPal, Square, and Stripe all represent third-party payment processors – companies that offer electronic payment processing without the need to sign up for a merchant account. Traditionally, merchants looking to accept credit card payments would have to sign up for a special merchant account through a bank. With third-party providers, a merchant’s transactions are pooled with all of the transactions from the provider’s other users and processed through the provider’s master merchant account.

That set-up removes many of the headaches that can come along with merchant account approval – especially for smaller, low-volume businesses. But, like all middlemen, third-party providers make their money by taking a piece of the action, either monthly, or on each transaction. Whether or not they’re a cost-effective solution depends entirely on how their fee structures suit a given business. 

 

What Types of Business Do These Third-Party Processors Suit Best?

PayPal

PayPal charges merchants 2.9% plus $0.30 per transaction. There is no monthly fee, and by using PayPal’s card reader, merchants can lower their fee to a straight 2.7% for swiped transactions. That fee structure, and specifically the lack of a monthly charge, makes PayPal most suitable for merchants with low monthly sales volumes. Businesses who sell in large volumes or bring in significant revenues will likely find that the lower cut they’d pay with a more traditional merchant account would more than make up for paying a monthly account fee. 

Square

Square offers a varied fee table depending on the product being used. Their flagship Square Reader charges 2.75% on every transaction. Their terminal and register charge 2.6% plus $0.10 per transaction and 2.5% plus $0.10 per transaction respectively.  That makes Square suitable for the same types of businesses as PayPal, and the Square Reader’s zero-flat fee per transaction makes it particularly attractive for merchants selling low-ticket items where losing $0.10 or $0.30 on top of their percentage fee would be a big deal. 

Stripe

Stripe offers a single rate of 2.9% plus $0.30 per transaction. That straightforward structure definitely makes the fees easy to understand, but it’s still an expensive option compared with traditional merchant accounts which can often boast per-transaction fees of as low as 1%. That puts Stripe in the same category as PayPal and Square with one major caveat – Stripe’s hardware solution, Stripe Terminal, is currently only a Beta program offered in the U.S. only. That means most merchants in the U.S., and all international ones, won’t have access to it, making Stripe impractical for most brick and mortar businesses. 

 

Third-party payment processing, while more expensive on a per-transaction basis than traditional merchant accounts, offers a cost-effective and, most importantly, simple solution for merchants that do low monthly sales. But the numbers make clear that for businesses doing higher volumes or dollar amounts, the fees associated with companies like PayPal, Square, and Stripe can quickly become unfeasible. For those businesses, a traditional merchant account is normally a much more sensible option.

At BAMS, we’re here to help you get set-up with the right merchant account for your business. Contact us today for a quote or to find out how we can use our experience as the industry leader in electronic payment solutions to help streamline your payments and save you money on fees.

 

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Top Mobile Restaurant POS Systems of 2019

Restaurant POS System

A point-of-sale system is an important factor in a restaurant’s success for a variety of reasons. First and foremost, it’s the system that facilitates all electronic payments, and in a world where plastic is king, a flawlessly operating POS is a must.

On top of that, paying the bill is often the last step of a customers’ dining experience, and any hiccups could be the difference between a great review and a customer walking away with a bad taste in their mouth (no pun intended).

It’s clear why no restaurant can afford to do without an effective, reliable POS. Luckily, BAMS integrates with 24 of the most popular point-of-sale systems on the market today, including the following four merchant-favorite mobile systems.

 

Lavu

Lavu’s is a highly flexible iPad-based point-of-sale system that has become the leading mobile POS for bars and restaurants. It offers a full suite of mobile payment options, including contactless payments and traditional swipe or chip card payments via integrations with hardware like Square. Lavu also integrates with PayPal’s EMV-compliant chip card reader for merchants processing their payments through PayPal. In addition to their iPad-based POS, the company also offers self-serve kiosks to help streamline the guest ordering experience.

Lavu’s system offers an entire suite of features to aide front and back-of-house staff, including menu customization, automatic tab authorization, pre-selectable happy hour settings, inventory tracking and control, advanced reporting, and much more. The system offers an open API so that restaurants can customize and configure their implementations based on their evolving needs.

 

Lightspeed Restaurant

Lightspeed offers the same tableside ordering and mobile-POS benefits as most of its competitors along with some unique features that make it an attractive solution. One of those features is Lightspeed Accounting, an integration that allows the POS to be synched with a restaurant’s accounting software to automate parts of the bookkeeping process, automatically sync data, and offer advanced reporting to managers.

Lightspeed comes with a no-cost EMV-compliant terminal which, while a bit bulkier than some other options, allows servers to process card payments directly at table-side without having to walk away with a customer’s card.

 

Clover

Clover is a cloud-based mobile POS company that offers point-of-sale systems built on Android. Unlike Lavu and Lightspeed, Clover only offers proprietary hardware, and their system can’t be loaded onto an existing tablet. With that being said, the products Clover offer are innovative, and their line covers a wide-array of customer needs.

The Clover Flex is a small handheld POS with a touchscreen built-in, perfect for tableside ordering and payments. Their Clover Mini is a more traditional mobile POS that offers a wider feature set useful to restaurants including configurable floor plans, tab pre-authorization and more. Both are EVM-compliant and can accept swipe, chip, or contactless payment. At $499 US and $599 US respectively, they’re also very affordable POS systems.

 

ShopKeep

ShopKeep is another iPad based mobile POS popular with bars and restaurants, processing over 289 million transactions per year. Their POS can be integrated with card readers like Square, but ShopKeep also offers a complete hardware kit providing all the components a restaurant needs to accept payments, including an iPad enclosure, cash drawer, EMV-compliant card reader, receipt and kitchen printers, and more.

Their POS software offers fully-featured front and back of house management, advanced analytics, tableside ordering capability, staff management, accounting integration, online ordering, and many more of the features restaurateurs expect from a mobile POS.

In addition to these four popular mobile POS systems, BAMS also integrates with 21 more of the industry’s best mobile and fixed point-of-sale solutions. Whichever system your restaurant chooses, we’re ready to help get you up, running, and accepting electronic payments with the minimum hassle possible. Contact us today to request a quote or find out more about how BAMS can help your restaurant take the headache out of electronic payments.

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What Tools Does BAMS Offer for Offline and Online Merchants?

Online Merchant

BAMS is the industry leader in payment processing, trusted by thousands of merchants across the globe. That success is due to our full suite of features designed to help businesses like yours accept electronic payments with less fuss, and lower fees. BAMS has been designed from the ground up to provide all of the functionality needed by both our online and offline partners, and thanks to that client-focused design, 98% of our users report lower stress when working with BAMS merchant accounts.  Here are just a few of the many features BAMS offers to our clients in both digital and brick-and-mortar sales.

 

BAMS Online Merchant Tools

Payment Gateway and eCommerce Integration

BAMS integrates seamlessly with all of the most popular payment gateways and ecommerce solutions, including Authorize.net, Magneto, WooCommerce, BigCommerce, and many more. Partnering with BAMS for your merchant services means you won’t have to worry about making changes to your online store, ensuring maximum uptime and the smoothest possible experience for your customers while you get set up.

Customer Information Management

BAMS’ customer information management tokenizes and securely stores your customers’ payment information, ensuring that their sensitive data will always remain secure, boosting your PCI compliance, and enabling easy management of recurring payments. It also enables customers to store multiple payment methods so that they can easily select the most convenient options for future purchases.

 

BAMS Offline Merchant Tools

Point-of-Sale Integration

BAMS works with virtually any point-of-sale system, from fully integrated multi-terminal systems to standalone pads. That means that regardless of your existing in-store setup, partnering with BAMS will be a hassle-free process. We’ll also help you ensure that your equipment is updated to comply with EMV chip-card requirements in order to protect you from unnecessary liability exposure, and we offer a full range of EMV-compliant terminals ready to easily integrate with your in-store system.

Business Funding

One of our goals at BAMS is to help our clients get the funding they need by offering the most affordable cash advances possible. We accomplish that goal by integrating with Fundomate, the first search engine for business cash advances. BAMS partners can take advantage of our easy online application, enabling the entire process and all document submissions to be handled electronically, saving both time and paperwork. The result is that applying for cash advances through BAMS is faster and easier than ever. It’s also cheaper than ever, since we also don’t charge any of the fees associated with traditional brokers.

 

BAMS also offers a number of features and services that apply to all of our clients regardless of whether they operate online, offline, or both. That includes our powerful chargeback management tools to help minimize losses, and our industry-leading reporting and analytics suite that helps our clients make more informed business decisions. We also help all of our clients become fully PCI compliant, ensuring data security and peace of mind.

Contact us to find out more about the full suite of BAMS features and how your business can put them to work today. Our low-price guarantee and unique five-point price comparison process ensure that partnering with BAMS will not only make your payment processing easier, it’ll also help boost your company’s profitability as well.

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How Your Business Can Protect Itself Against Chargebacks

Chargeback Protection

Chargebacks are an unfortunate reality of accepting credit card payments, but they aren’t something businesses have to lie down and accept without a fight. Some chargebacks are completely legitimate, like cases where a purchase was made fraudulently by a third party. But many chargebacks are fraudulent, frivolous, or abuses of the system. In those cases, there is no reason for a company to accept losing the revenue, the product, and the additional chargeback penalty, and fighting back is in order.

 

Preventing Chargebacks

The first step in chargeback defense is to work proactively to stop them from happening in the first place. While merchants can’t prevent abusive or fraudulent chargeback requests, they can take steps to help minimize legitimate chargebacks.

Make it clear where the credit card charges are coming from:

One of the most common causes of chargeback requests is customers checking their statements and finding unfamiliar purchases. Worried about potential fraud, they then contact their card issuer and attempt to stop the payment. Sometimes this happens due to legitimate fraud, but many times it’s simply a matter of the customer not recognizing the payment descriptor – the name shown alongside the transaction amount. It’s incredibly important that merchants make themselves easy to recognize by using descriptors that match their branding rather than numbered company names or parent corporations.

Ensure customer complaints are taken care of quickly:

Of all the valid reasons major credit card companies accept chargebacks for, a number of them relate to unsatisfied customers. Unreceived orders, products that don’t match their description, defective merchandise, and misrepresented purchase terms are a few of the many reasons customers can legitimately file a chargeback. The best way to defend against consumer disputes is to take care of them with good customer service before they ever reach the chargeback stage. Addressing customer concerns quickly and professionally, and issuing refunds where appropriate, is a far better route to take than risking getting nailed with a chargeback.

 

Fighting Chargebacks

When chargebacks do come in, it’s extremely important that businesses handle them quickly and put up as strong a defense as possible to avoid the negative implication with card issuers and the hefty penalties, which can reach as high as $100 per instance. Successfully doing so comes down to understanding the system and knowing how and when to fight back.

The best response is a timely response:

A chargeback that doesn’t receive a response is a guaranteed loss, and waiting too long to respond isn’t much better. There are strict deadlines that merchants have to meet in filing their chargeback responses, and missing even one of them renders the entire process moot. Arguably the most important factor in filing a timely response is to find out about chargebacks as soon as possible. Some payment processors notify merchants of disputes by mail, which is slow and ineffective. Others, like BAMS, use SMS notifications to alert merchants as soon as a chargeback or retrieval request is filed. That speedy notification is invaluable when it comes to getting a strong defense filed in time.

Know the codes:

Each card issuer has its own set of criteria for what it considers a valid chargeback. Those reasons are managed using a set of codes, and every chargeback request will come with an associated code identifying the reason for the dispute. Understanding what those codes represent is key to filing a valid chargeback defense, so merchants absolutely need to be able to decipher them. Visa’s codes, for instance, are laid out in the Dispute Management Guidelines for Visa Merchants, and cover four major areas – fraud, authorization, processing errors, and consumer disputes.

 

One of the best ways to avoid losses from chargebacks is to partner with a payment processor that understands how serious a concern they are for businesses and offers tools to help mitigate and manage them. BAMS offers a full suite of chargeback tools, including SMS notifications, an online dispute management platform, Verifi integration, zero-liability chargeback assurances, and more.

Contact us today to find out how payment processing with BAMS can help protect your business against unnecessary losses from chargebacks.

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TurboApp – IRIS CRM’s Merchant-Boarding Secret Weapon

Merchant

All BAMS customers receive full access to IRIS CRM, one of the most powerful customer resource management platforms currently available on the market. IRIS CRM provides a full suite of tools that enable companies to manage all aspects of their operations, from communications to leads and prospecting, to sales, to payments, and beyond.

One of IRIS CRM’s most important features is TurboApp, a built-in application designed specifically for independent sales organizations looking to streamline their merchant boarding. With TurboApp, what was once an involved process requiring large amounts of manual entry can now be almost completely automated, allowing users to board new merchants far more efficiently than ever before.


How Does TurboApp Work?

TurboApp integrates directly with the major front-end providers so that the data from merchant applications entered into the IRIS CRM system can be passed right through, all from within the CRM. That’s a revolutionary advancement because it removes the time-consuming step of having to manually process a merchant’s application and then manually transfer all of the relevant information over into an application portal.

Thanks to IRIS CRM’s built-in eSignature functionality, applications are ready to go once they’re passed through to TurboApp, and all an agent has to do is upload the relevant attachments and check over the data to ensure there aren’t any errors.

TurboApp also allows boarding of multi-location merchants from within a single application.  Each location generates its own tab within the overall merchant application, allowing agents to follow the same simple steps as they would for a single-location application and eliminating the time-consuming process of handling data individually for each separate place.

TurboApp integrates with all of the leading front-end solution providers, including First Data Omaha, First Data North, Vantiv, Priority, Pivotal, iPayment, and a number of others. No matter which processor an application is being boarded to, TurboApp allows it all to be done in a matter of a few clicks.

 

The Many Benefits of Using TurboApp for Merchant Loading

The most obvious benefit to TurboApp is the speed with which it allows agents to board new merchants. By eliminating most of the manual work traditionally involved in merchant boarding, TurboApp allows the process to be completed four to seven times faster. That means agents waste less of their time each day on busy work, and can spend more focusing on signing up new accounts and bringing in revenues.

The other major benefit of TurboApp is the promotion of accuracy – an important factor whenever data handling is involved. The traditional boarding process is rife with opportunities for problems. Every time a piece of data is moved manually from one source to another, the possibility for data entry errors exists. Data entry errors can be the difference between an application getting approved or rejected, and as a result, they can be extremely costly. By removing as much manual data handling from the process as possible, TurboApp helps ensure that data quality is never compromised, resulting in more approvals and a fatter bottom line.

 

TurbpApp is a game-changing productivity tool, and it’s only one of the many powerful features include in IRIS CRM. All BAMS merchant services partners get full access to the full IRIS CRM suite, so get in touch with us to find out how you can put this incredible customer resource management tool to work for your company today.

 

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What Is Level 3 Credit Card Processing And How Can It Help Your Business?

Level 3 Credit Card

The average person doesn’t consider the VISA or Mastercard in their pocket to be any different from a company or government credit card – aside from the limit, of course. But there are actually significant differences in how corporate and government cards are used and processed. Those differences mean that not all merchants can accept all types of credit cards, and they also change the way issuing banks view transactions. The result is that merchants who can process these special credit cards – known as Level 3 cards – stand to benefit greatly.

 

Not All Credit Cards Are Created Equal

Banks categorize credit cards differently based on what types of cards they are and, more specifically, what’s required to use them. The credit cards consumers carry in their wallets that make up the vast majority of transactions are classified as Level 1 cards. Level 2 cards are often used for B2B purchases and require extra data to be captured in order to be processed. Finally, the largest corporate and government transactions are done using Level 3 cards, which require even more data to be captured and offer additional control to the cardholder, and additional assurances to the bank.

 

The Benefits of Level 3 Processing

The primary benefit of Level 3 cards to cardholders is the control they offer over card use. To the bank, Level 3 cards represent more fraud-proof transactions thanks to the enormous amount of information that needs to be collected to use the card. In return, the bank offers lower interchange fees to Level 3 payment processors – a kind of reward for the work required to handle all the extra data collection. The savings on those fees add up quickly, and that’s a huge benefit to the end merchant’s bottom line. As a result, companies that deal with larger corporate clients or government agencies should really consider upgrading their payment handling to include Level 3 data capture.

 

Getting Set Up to Take Advantage of Level Three Payments

Processing Level 3 transactions requires the capture of 15 to 20 additional line items on top of the data normally recorded on Level 1 card purchases. Those line items include things like invoice numbers, unit prices, item descriptions, and more. It’s a lot of data to capture, and doing it manually is a headache at best, and an enormous time-sink at worst.  Luckily, some electronic payment processors, like BAMS, can automate the capture and reporting of Level 3 data, allowing merchants to reap all the benefits of accepting Level 3 payments with none of the nightmarish manual data management.

With that in mind Level 3 processing isn’t appropriate for all businesses. At BAMS, checking for Level 3 optimization eligibility is part of our five-step price comparison process and one of the first steps in all of our partnerships. In addition to reduced fees, merchants that do begin accepting Level 3 cards open up a whole new world of high-end clients that other companies simply don’t have access to, so contact us today to find out how we can help your business begin accepting these valuable payments

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Why You Should Consider BAMS Over Stripe

Online Payment

You have a choice when it comes to deciding upon the right payment processing solution for your business. A choice that is undoubtedly met with a wide variety number of options.

As credit card and digital wallet usage continues to accelerate, it’s important that you partner with a platform that does more than just work in the here and now. It should be able to scale with your business and counter every bump along the road. It should function as part of the bigger picture, working cohesively alongside your other adopted solutions.

For those in ecommerce, this proves even more important as you manage the infrastructure needed to secure customer data and allow your business to thrive. When making your decision, here’s why you should consider BAMS over Stripe.

Solutions Tailored to Fit Your Business

Every business is unique, functioning off its own set of standards, goals, and customer needs. At BAMS, this factors into our innovative pricing model.

Instead of boxing customers in at cookie-cutter pricing levels, we customize quotes upfront during our 5-step price comparison consultation. In doing so, we’re able to determine everything a business needs (and doesn’t) to be successful, saving you money while ensuring fast and easy setup.

Dedicated Support

With 185 Google reviews with an average of 4.9/5 stars, it’s no secret that our support team is one-of-a-kind. Since day one, we’ve been putting merchants first with customer care that is anything but generic.

There will never be roundabout ‘Help’ portals to navigate. And you won’t need to review redundant information with different reps during every phone call you make to our team. When working with BAMS, you’ll be assigned a dedicated representative that you can reach out to at any time with questions or concerns regarding your specific account.

Seamless Integrations

It’s one thing for a payment processor to work well on its own. It’s another for it to work just as well alongside your business’ other tools and services.

Unlike Stripe, BAMS supports both CNP and CP accounts. If you work in different environments, this allows you to keep operations integrated under one umbrella. With integrative capabilities across a wide variety of e-commerce platforms, BAMS’ agents will have your online store connected to our payment gateway in no time.

Secure Agreements

Stripe is what’s referred to as a ”payment facilitator”. This means that when using their services, your agreement goes directly through their company, allowing them to hold money and cancel accounts easily at their discretion.

In comparison, your relationship with BAMS is backed by a bank. You can trust that your data will remain secure and services in place, pending any outstanding circumstances.

Final Thoughts: Why You Should Consider BAMS Over Stripe

At BAMS, we believe that our customers are more than just a number. They’re businesses — just like ours — and the owners behind them have visions and hopes for the future that we love to support.

It’s our job to help you realize those end goals with quality service and support at every stage of the journey. Learn more about what makes us a leader in payment processing and request your free quote today!