# BAMS - Bank Associates Merchant Services > BAMS is a U.S.-based payment processing company providing merchant accounts, credit card processing, and payment gateway solutions to businesses of all sizes. Known for transparent pricing, next-day funding, and award-winning customer service, BAMS helps merchants save money on processing fees while offering enterprise-grade tools. ## About BAMS BAMS (Bank Associates Merchant Services) is an Inc. 500 company and Goldman Sachs 10,000 Small Businesses alumnus featured on Bloomberg Television. BAMS has processed over 100 million transactions and deposited more than $7.8 billion to merchants. The company is BBB accredited and holds consistent 5-star ratings on Google and Yelp. ## Services - **Credit & Debit Card Processing** - Competitive interchange-plus and flat-rate pricing for in-person, online, and mobile transactions - **Merchant Accounts** - Dedicated merchant accounts with transparent terms and no hidden fees - **Payment Gateway Integration** - Compatible with Authorize.net, NMI, and other leading gateways - **E-commerce Processing** - Integrations with WooCommerce, Magento, BigCommerce, Shopify, and more - **Mobile Payment Processing** - Accept payments anywhere with mobile card readers - **Next-Day Funding** - Deposits as fast as 12 hours after settlement - **Chargeback Defense** - Tools and support to fight and prevent chargebacks - **PCI Compliance Support** - Guided compliance programs to protect cardholder data - **Payment Reporting & Analytics** - Real-time dashboards and transaction reporting - **Affiliate / Referral Program** - Revenue-sharing program for accountants, bookkeepers, and business advisors ## Industries Served BAMS provides specialized payment solutions for: - Restaurants & Hospitality - E-commerce & Online Retail - Healthcare & Medical Practices - Salons, Spas & Fitness Studios - Auto Repair Shops - Retail Stores & Supermarkets - Non-Profit Organizations - B2B Enterprises - Bookkeepers & Accountants - Developers & Website Designers ## Integrations & Compatibility BAMS integrates with major platforms including WooCommerce, Magento, BigCommerce, Shopify, QuickBooks, Lightspeed, Aldelo POS, Micros, and Authorize.net. ## Pricing & Comparisons BAMS offers competitive pricing benchmarked against Square, Stripe, PayPal, and Adyen. A price comparison tool is available on the website. BAMS emphasizes interchange-plus pricing as a lower-cost alternative to flat-rate processors. ## Key Differentiators - Transparent, honest pricing with no surprise fees - Next-day funding (as fast as 12 hours) - U.S.-based customer support - Industry-specific payment solutions - Inc. 500 recognition and Goldman Sachs program alumni - 100M+ transactions processed for merchants nationwide ## Contact - Website: https://www.bams.com - Services: Merchant accounts, payment processing, gateway integration - Audience: Small businesses, mid-market, e-commerce, and industry-specific merchants in the United States ## Pages - [About BAMS | New York | Bank Associates Merchant Services](https://www.bams.com/about-us/) - [Get A Free Merchant Services Quote | BAMS](https://www.bams.com/contact/) - [BAMS Payment Gateway](https://www.bams.com/solutions/bams-payment-gateway/) - [Guaranteed Next Day Funding for Payments | BAMS](https://www.bams.com/solutions/next-day-funding/) - [Same Day Credit Card Processing & Instant Funding | BAMS](https://www.bams.com/solutions/same-day/) - [Chargeback Protection & Management for Merchants | BAMS](https://www.bams.com/chargeback-defense/) - [PCI Compliance Solutions for Small Businesses | BAMS](https://www.bams.com/pci-compliance/) - [Integrations For eCommerce Gateway | POS Merchant Account](https://www.bams.com/integrations/) - [BAMS vs Square](https://www.bams.com/bams-vs-square/) - [BAMS vs Stripe: Which Payment Processor Is Right for Your Business?](https://www.bams.com/bams-vs-stripe/) - [BAMS vs Paypal](https://www.bams.com/bams-vs-paypal/) - [BAMS vs Adyen](https://www.bams.com/bams-vs-adyen/) - [Restaurant Merchant Accounts & Payment Processing | BAMS](https://www.bams.com/restaurant/) - [eCommerce Merchant Accounts & Payment Processing | BAMS](https://www.bams.com/e-commerce/) - [Healthcare Medical Merchant Account | Doctor Payments](https://www.bams.com/healthcare/) - [Testimonials | New York | Bank Associates Merchant Services](https://www.bams.com/testimonials/) ## Posts - [Payment Gateway Solutions: Traditional vs Modern Compared](https://www.bams.com/blog/payment-gateway-solutions-comparison/) - [Pricing Transparency Checkout: Fix Cart Abandonment](https://www.bams.com/blog/pricing-transparency-checkout-abandonment/) - [OptBlue American Express Explained: Fees, Benefits & Setup](https://www.bams.com/blog/optblue-american-express-explained/) - [How Checkout Transparency Reduces Cart Abandonment](https://www.bams.com/blog/checkout-transparency-reduces-cart-abandonment/) - [Interchange Fees vs Merchant Discount Rate Explained](https://www.bams.com/blog/interchange-fees-vs-merchant-discount-rate/) - [How to Reduce Chargeback Fees for Merchants](https://www.bams.com/blog/reduce-chargeback-fees/) - [Payment Processing Fees: Why Your Rate Is Higher Than You Think](https://www.bams.com/blog/payment-processing-fees-true-cost/) - [Chargeback Codes: Understanding Chargeback Reason Codes for Businesses](https://www.bams.com/blog/understanding-chargeback-codes/) - [Using Merchant Business Funding for Seasonal Cash Flow](https://www.bams.com/blog/merchant-business-funding-for-seasonal-cash-flow/) ## Categories - [BAMS Blog](https://www.bams.com/blog/category/bams-blog/) - [Business Tips](https://www.bams.com/blog/category/business-tips/) - [Merchant Services](https://www.bams.com/blog/category/merchant-services/) - [E-Commerce](https://www.bams.com/blog/category/e-commerce/) - [NYC Merchant Services](https://www.bams.com/blog/category/nyc-merchant-services/) ## Optional - [Sitemap index](https://www.bams.com/sitemap_index.xml)