Access Your Funds Faster With BAMS Next Day Funding Merchant Account
With BAMS next day funding merchant account, you gain access to your money in as little as ten hours, protecting your cash and promoting your short and long-term business success.
The Value of BAMS Next Day Funding
Key Features
- 9 PM cut-off time to ensure more transactions qualify
- Funds available in your bank account in as little as ten hours
- Next day funding for Visa, Mastercard, Discover, American Express, and ACH payments. Plus, support for all financial institutions.
- No additional fees or charges on next-day transfers.

Significant Benefits
- Relief for merchants doing heavy weekend business and businesses operating on the west coast
- Improved cash flow and overall financial health
- Simpler, easier account management, and supplier relations
- Unparalleled peace of mind knowing that your money is where it belongs – in your bank account

Frequently Asked Questions
No. In addition to carrying no additional fees on individual transfers, eligibility for next-day funding will also never impact your standard rates in any way. If you’re new to BAMS, next-day funding availability will not increase the rates you’re assigned. If you’re an existing merchant just beginning to take advantage of next-day funding, you’ll continue to enjoy the same industry-leading rates you always have backed by our interchange-plus pricing model and low-price guarantee.
Unfortunately, not all merchants are eligible for next-day funding. There are a number of factors that go into determining eligibility, but we work hard to ensure that the program is available to as many of our merchant partners as possible. If you’d like more information on the specifics of next-day funding eligibility, a member of our team would be happy to discuss the criteria with you, so give us a call today!
Any batches processed after the cut-off time will not be eligible for next-day funding, but will instead arrive in your account the morning of the following business day. It’s important to note that even in cases where late transactions miss the next-day funding deadline, they’ll still hit your account faster than they would with the standard funding holds imposed by many of our competitors.