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.

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Next Day Funding Merchant Services

BAMS is committed to the success of our merchants above all else, and that’s why we’re happy to offer next day funding with features like no holds and no additional fees – just access to your money by 7 AM the next business day for next day funding.

9 PM Cut-Off Time

The Key to Healthy Cash Flow
BAMS ensures that more of your transactions will qualify for next-day funding and that your money gets to your bank account as quickly as possible.

Ten-Hour Turnaround

Give Your Business A
Financial Advantage
Any batches processed prior to the 9 PM cut-off time will be available in your account by 7 AM the morning of the following business day.

Available for All Major Cards

Get Complete Coverage
Enjoy next-day funding on Visa, Mastercard, American Express, and Discover card transactions and payments processed through the automated clearing house network.

All Financial Institutions Supported

Experience Convenience
BAMS next-day funding is available to our qualifying merchants, regardless of which financial institutions they bank with.

Easier Account Management

Enjoy The Benefits
Next day funding business owners will be able to maintain strong relationships with suppliers, receive consistent service, and gain access to preferred rates.

Weekend and West-Coast Operations

Perfect For Heavy Weekend Sales
Standard funding holds mean that transactions processed on Friday night might not be available until Wednesday. However, with BAMS, they’ll be in the bank Monday morning.

No Additional Fees

Commitment To Transparency
With BAMS, you’ll never pay more than your standard merchant fees, which means you’ll keep more money, and your fees will remain consistent. Click here to learn more about our interchange-plus pricing model.

Improved Cashflow

No More Holds
With next-day funding, your company’s day-to-day cash flow will be healthier and, most importantly, more consistent. Never again will you worry about your funds being held for days during tight periods.

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BAMS Deposit Structure

As a business owner, you understand how important access to cash is, especially during trying times. With BAMS, you can sleep well at night knowing that your payment processing partner & next day funding will never get in the way of that access and that when unexpected expenses arise, the cash you need will be in your bank account.
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BAMS Deposit Structure

Submit a deposit before 9:00PM ET and receive it the next business day.

Submit a deposit after 9:00PM ET and receive it on the third business day.

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Outdated Deposit Structure

Submit a deposit before 9:00PM ET and receive it on the second business day.

Submit a deposit after 9:00PM ET and receive it on the third business day.

The Value of BAMS Next Day Funding

Our next-day funding program can help ensure that your business is always liquid, your obligations are always met, and that your relationships with your suppliers will never be strained.

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.

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Ready to start accessing your cash quicker?

Switch to BAMS today!
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