Payment solutions built to support your business at every stage.
Explore BAMS
Accept payments, understand your processing costs, get funded faster and get the support you need to run your business.
BAMS helps business owners find payment solutions for how they sell, whether that is online, across the counter or on the go. Explore ways to accept payments, review funding options and keep a clearer view of what is happening behind every transaction.
Whether you're starting a business, growing an established company, or looking for a better payment setup, BAMS can help you find the right fit.
Set up the tools you need to accept payments and get your business moving.
Make sure your payment setup keeps up with your business.
Compare your current setup and explore ways to improve costs, technology and support.
From the front counter to the online cart, start with a payment setup shaped around the work you actually do.
Online checkout, gateway connections and reporting for digital sellers.
Payment tools for fast-moving dining and service environments.
In-person payments for single stores and multi-location operations.
Connected payments for guest-first businesses and locations.
Commercial card processing for business payment workflows.
Payment acceptance for donations, events and daily operations.
Checkout and payment options for appointment-based service teams.
Payment tools for patient-facing practices and teams.
Card-not-present payments for phone and mail order businesses.
Payment and reporting options for repair shops.
Payment acceptance for high-volume grocery environments.
Ways to accept payments wherever work happens.
Payment solutions for funeral service providers.
Explore ways to accept payments, access funds and protect your business.
Meet customers where they are with flexible ways to pay online, in person and on the go.
Find funding options and tools to help keep your business moving forward.
Keep a clearer view of your payments, security responsibilities and disputes.
Get the information you need to understand payment processing, compare your options, and decide what makes sense for your business.
Start with how you accept payments, how quickly you need access to funds, and how you manage your payment activity.
Your payment costs depend on more than a single advertised rate. Look at your payment mix, transaction types, funding needs, technology, and the support behind your account.
Not sure what you're really paying? BAMS can help you understand your current processing costs.
Payment processing is only part of the relationship. You also need a partner that understands your business and is there when you need help.
Experience helping businesses navigate payment processing and changing technology.
Get help from people who understand your payment setup—not just an automated support system.
Choose payment, funding, reporting, security, and integration options based on how your business actually operates.
Whether you're starting out or growing an established business, BAMS is here to support your payment needs.
Changing payment providers doesn't have to mean changing the way you run your business. BAMS can help you evaluate your current setup and identify what you may want to improve.
Understand how you accept payments today.
Look at pricing, payment channels, funding, technology, and support.
Choose the solutions that fit your business.
Move forward with a payment setup designed around your business.
Find a starting point for the payment questions that come up across different business types.
View More Merchant QuestionsMerchant services help a business accept and manage credit card, debit card and other electronic payments. They include payment processing and can also cover the merchant account, checkout tools, reporting and support behind each sale. Learn more about merchant services.
When a customer pays, your terminal, POS or online checkout sends the transaction for authorization by the cardholder’s bank. Approved transactions are submitted for clearing and settlement, then funding sends the proceeds to your business bank account according to your deposit schedule. See the payment processing guide.
Costs depend on your payment methods, card types, processing volume and pricing model. Your total bill may include a percentage of each sale, a per-transaction charge and account or gateway fees. Compare the complete fee schedule and your effective rate, not just an advertised percentage. Review BAMS pricing.
A merchant discount rate is the transaction processing charge a business pays to accept a card payment, typically expressed as a percentage plus a per-transaction fee. It includes interchange, card-network assessments and processor markup. Other account or service fees may apply separately. Learn how the merchant discount rate is structured.
Divide your total monthly processing fees by your total card-processing volume, then multiply by 100 to find your effective rate. Compare itemized quotes using the same payment mix, including account, gateway and other applicable fees. BAMS can review a recent statement through its merchant account price comparison.
Possibly. BAMS works with many existing POS systems, terminals and payment gateways, but compatibility must be confirmed for your specific hardware, software and integrations. Share your current setup before buying replacement equipment or committing to a switch. Start with BAMS integrations.
The timeline depends on account approval, equipment changes and any gateway or POS integrations. BAMS says some applications receive same-business-day approval; manual review averages two to three business days. Approval is not the same as a completed switch, so confirm your transition schedule before changing providers. See the merchant account FAQs.
BAMS offers next-business-day and same-day funding options for eligible merchants. When your money reaches the bank depends on settlement cutoffs, your payment setup, account eligibility and bank posting times; weekends and holidays can also affect timing. Confirm your deposit schedule and review BAMS funding options.
Yes. BAMS supports online payment processing through merchant accounts, payment gateways and integrations with compatible eCommerce platforms. A payment gateway connects your checkout to the processor; the right setup depends on your store, software and payment requirements. Explore payment gateway solutions.
BAMS offers payment gateways, in-person and mobile payment options, compatible POS integrations, funding options, reporting, PCI compliance support and chargeback assistance. The right combination depends on how your business accepts payments and which systems it uses. Compare BAMS payment solutions.
Yes. BAMS can help new business owners choose a merchant account and payment tools for their planned sales channels. Setup involves providing business details and required documentation, reviewing pricing and funding terms, and receiving account approval. Its merchant account setup guide explains what to prepare.
BAMS provides a dedicated account representative, account support and an online helpdesk for questions about statements, deposits and payment setup. Technical support is available 24/7 for most software and hardware configurations; account-management support has separate service hours. Contact the BAMS helpdesk for the right support path.
Practical reading on merchant services, payment operations and choosing the right setup.
Why every month on bundled pricing quietly compounds against your margins and working capital Learn how bundled processing fees create a hidden structural drain o...
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Why the real measure of your payment processor reveals itself only when something breaks Learn why payment processing support matters more than features when eval...
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Audit your rates, renegotiate terms, and lock in savings before holiday volume amplifies every fee Learn how to calculate your true effective processing rate, ide...
Read articleTell BAMS how you accept payments today and what you want to improve. We'll help you explore the options that fit your business.
