Why NYC eCommerce brands lose margin every time they add a channel—and how interchange-plus pricing fixes it Learn why each new sales channel quietly compounds payment processing costs for NYC eCommerce brands. This piece explains how interchange-plus pricing replaces fee structure chaos with the clarity multi-channel growth demands. TL;DR Every new channel adds fee complexity […]
BAMS Blog
Featured Article
Transparent Pricing: The Real Cost of Multi-Channel Growth
How interchange qualification, fraud costs, and pricing models change what each payment method really costs you Learn how credit card processing fees actually compare across Apple Pay, Google Pay, PayPal, and manual card entry. This breakdown covers interchange qualification, fraud exposure, and true cost-per-transaction to help you decide which methods to promote. TL;DR Apple Pay […]
Low Price Matters, but Look at the Whole Merchant Account Low-cost merchant services can make a real difference to a business that processes hundreds or thousands of payments every month. But the cheapest advertised rate is not always the cheapest account once every fee, contract term and service requirement enters the picture. The better question […]
Why Work With a Local Merchant Service Provider? A local merchant service provider can give businesses a closer point of contact for payment support, security and technology. The right provider can also help a business choose payment tools that fit how its customers prefer to pay. There hasn’t been a more successful change in technology […]
Diagnose the hidden funding gaps draining your margins before they become credit decisions Learn to spot seven warning signs that your deposit schedule is quietly pushing you into short-term borrowing. Discover how rolling reserves, funding gaps, and processing delays compound into real costs—and how a cash flow calendar can eliminate them. TL;DR Deposit delays force […]
How the BAMS Low Price Guarantee Works The BAMS Low Price Guarantee gives business owners a structured way to compare payment processing costs before making a change. The five-step review looks beyond a single advertised rate and considers how a business actually accepts payments. In the day-to-day grind as a business owner, you’re in a […]
Connect Authorize.net to Your BigCommerce Store An Authorize.net BigCommerce setup connects your online store to a payment gateway so customers can submit card payments at checkout. Visa provides a helpful overview of how payment processing works across merchants, acquirers and issuers. BigCommerce is one of the top eCommerce platforms currently available and is the #1 […]
How to evaluate merchant service providers based on what happens when checkout breaks, not just what they charge Learn how to assess payment processor changes through the lens of operational resilience. This guide gives you a framework for evaluating support responsiveness, crisis accountability, and the real cost of staying with a provider who disappears during […]
The deposit timing and funding schedule diagnostics eCommerce managers miss before signing with a processor Learn to evaluate Apple Pay integrations through cash flow timing, interchange qualification, and chargeback economics. This diagnostic framework surfaces the deposit and funding signals that actually move your P&L. TL;DR Deposit timing varies by payment method – Some processors delay […]
How the Pandemic Changed Online Shopping Behavior COVID-19 online shopping trends created a rapid shift in how consumers bought everyday products and how businesses reached their customers. While this article reflects the conditions of 2020, many of the eCommerce lessons around checkout, fulfillment, customer communication and payment costs remain useful for merchants today. Editor’s note: […]
What Magento 1 End of Life Means for eCommerce Merchants Editor’s note: Magento 1 reached end of life on June 30, 2020. This article was originally written before that deadline. Any merchant still operating a Magento 1 store should treat migration and payment security as immediate priorities. On June 30th, 2020, Magento 1, one of […]
How delayed payment settlements drain margins through missed discounts, emergency reorders, and unnecessary credit draws Learn to spot the hidden operational costs of unpredictable deposit timing. This diagnostic checklist covers seven concrete signals—from missed supplier discounts to short-term credit draws—that reveal when your settlement cycle is quietly eroding margins. TL;DR Deposit timing is a cost […]
A post-signing accountability framework for eCommerce operators tired of chasing lower rates Learn how to evaluate merchant service providers based on responsiveness, error ownership, and operational transparency — not rate sheets. This guide gives eCommerce operators a structured framework for choosing payment partners who show up when funding stalls. TL;DR Rates aren’t the real problem […]
Reduce Cart Abandonment With a Better Checkout Experience Merchants can reduce cart abandonment by making checkout faster, offering flexible payment options and using fraud controls that avoid unnecessary friction. Online cart abandonment is one of the biggest problems plaguing eCommerce merchants, with up to 80% of all carts ditched by users before payment can be […]
Take Your Clover POS Beyond Basic Payment Processing The best Clover apps can help merchants extend a POS system beyond payment acceptance. Depending on the app, businesses can add accounting automation, employee management, operational tools and other functions to their Clover setup. Clover is a popular POS system that provides both software and hardware solutions […]
Trace the line from merchant tokens and biometric authentication to measurable savings on your P&L Learn how tokenization and biometric authentication reduce chargeback costs by disrupting the friendly fraud cycle. This guide helps you quantify dispute savings, identify cost levers, and build a case for operational changes that protect revenue. TL;DR Tokenization cuts fraud dramatically […]
Protect Payment Data and Reduce Business Risk Strong payment security helps businesses protect customer information and reduce the financial and operational risks associated with a data breach. PCI compliance provides a common security framework for businesses that handle payment account data. Let’s talk about PCI Compliance. In the summer of 2019, it came out that […]
The line items processors subtract before your money lands — and the silent losses most operators never question Learn the five specific deduction categories that create the gap between your gross sales and net bank deposits. This breakdown turns each line item into a diagnostic signal so you can spot silent losses in your payment […]
Why deposit timing belongs in your growth strategy, not buried in your processor contract Discover why NYC eCommerce operators who treat next-day funding as a strategic input—not a back-office detail—capture growth windows their competitors miss. Learn how deposit timing impacts ad spend, inventory, and cash flow in high-velocity markets. TL;DR Funding speed is a growth […]
