Access Your Funds Faster With
BAMS Next-Day Funding

With BAMS next-day funding, you can say goodbye to funding holds and gain access to your hard-earned money in as little as ten hours, protecting your cash flow and promoting your short and long-term business success.

Financial Health

For a business like yours that works hard to provide the best possible service to your customers and to play by all the rules set out by the card companies and your processing partners, there is nothing more annoying than watching the money you’ve earned held for two, three, or even four days.

It’s a matter principle and a matter of practicality, as it’s crucial to your company’s financial health that you stay as liquid as possible in order to deal with your regular obligations – not to mention the surprises that can and do pop up at the most inopportune times in business.

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

BAMS Deposit Structure

Today - Next Business Day - Second Business Day

Old Fashioned Deposit Structure

Today - Second Business Day - Second Business Day

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 will never get in the way of that access and that when unexpected expenses arise or trouble strikes, the cash you need to right the ship will be in your bank account, not sitting around in someone else’s.

Just a few of the features and benefits BAMS next-day funding offer includes

BAMS next-day funding benefits
  • 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.
  • Support for all financial institutions – no need to change your bank.
  • No additional fees or charges on next-day transfers.
  • 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.

Ready to start accessing your company’s hard-earned cash quicker? Click here to get in touch with BAMS to find out how easy it is to make the switch today!

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The Key to Healthy Cash Flow

The Key to Healthy Cash Flow

Cash flow is everything. Cash flowing out pays for your inventory, your overhead, your employees, your daily expenses, and your long-term debt. Any disruptions to the cash flowing in will inevitably impact your ability to meet those expenses, and, in turn, pose a serious threat to your company’s overall health – something we’ve unfortunately seen firsthand as the COVID-19 pandemic has shuttered businesses all over the country and the world.

That makes prioritizing inbound cash flow absolutely crucial to your ability to both meet your expenses in both the short and long-term and also to ride out any inevitable disruptions caused by things like natural disasters or pandemics.

BAMS next-day funding is all about enabling you to do exactly those things by removing a major source of friction to funding access – the standard multi-day holding period. With BAMS, rather than waiting days for your money to arrive, the funds from any batches processed before the cut-off time will be waiting in your bank account by 7 AM the morning of the next business day.

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.

It really can’t be overstated how important faster access to your funds can be – even if it’s only a matter of a few days – both when times are good and, most importantly of all, when times are tough.

BAMS Next Day Funding Features

The Key to Healthy Cash Flow

The Key to Healthy Cash Flow

Cut-off time is important, as having access to next-day funding is pointless if it only applies to batches processed early in the day. That’s why BAMS offers a 9 PM cut-off time – one of the most generous in the industry – ensuring more of your transactions will qualify for next-day funding and ensuring that your money gets to your bank account, where it belongs, as quickly as possible.

Ten-Hour Turnaround

Ten-Hour Turnaround

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. That means, with BAMS, your funds will hit your bank account in as little as ten hours. Compare that to waiting two or even three days with most other processing partners, and it’s clear why BAMS’ next-day funding offers your business such a significant financial advantage.

Available for All Major Cards

Available for All Major Cards

Unlike some processing partners, BAMS offers next-day funding on card transactions from all the major credit card companies – Visa, Mastercard, American Express, and Discover – as well as on payments processed through the automated clearing house network.

That complete coverage offers a level of ease and simplicity that ensures that you’ll never have to wonder which of your batches will or won’t be available to you the next business day.

All Financial Institutions Supported

All Financial Institutions Supported

BAMS next-day funding is available to our qualifying merchants regardless of which financial institutions they bank with. That means that, unlike some processors, you won’t have to go through the hassle of switching banks just to have faster access to your funds. It’s just one more example of how BAMS prioritizes the convenience and financial well-being of our merchant partners above all else.

Easier Account Management

Easier Account Management

Improved cash flow makes it easier for you to settle and manage your accounts. That means two things: first, that your accounting staff’s lives will be significantly easier, and second, that you’ll be able to pay your suppliers faster – a key to maintaining strong relationships, receiving consistent service, and gaining access to preferred rates and early-payment discounts.

Weekend and West-Coast Operations

Weekend and West-Coast Operations

BAMS next-day funding is ideal for businesses that do heavy weekend sales and businesses operating on the west coast – two types of merchants that know the sting of funding holds well. For weekend-heavy businesses like restaurants and entertainment venues, standard funding holds mean that transactions processed on Friday night might not be available until the following Wednesday. With BAMS, they’ll be sitting in the bank first thing Monday morning.

In many cases, businesses on the west coast miss out even with next-day funding because early cut-off times, compounded with a three-hour time difference, often leave most of a day’s transactions ineligible for expedited availability. Thanks to BAMS late cut-off time, that’s no longer an issue.

No Additional Fees

No Additional Fees

BAMS offers our merchants next-day funding with no additional fees attached. That can’t be said for all payment processors, some of which charge up to an additional 1% for expedited transfers. With BAMS, you’ll never pay a penny more than your standard merchant fees, ensuring both that you’ll keep more of your hard- earned money, and that your fees will always remain consistent – a key aspect of our commitment to transparency. Click here to learn more about BAMS’ transparent interchange-plus pricing model.

Improved Cashflow

Improved Cashflow

With next-day funding, your company’s day-to-day cash flow will be healthier and, most importantly, more consistent. You’ll never again have to worry about having your funds held for days during tight periods when you need it more than ever. That’s especially important during times of economic uncertainty like the entire world has recently been navigating in the wake of the COVID-19 pandemic.

Peace of Mind

Peace of Mind

Of all the many benefits offered by next-day funding, perhaps the most significant is that it offers you peace of mind. With BAMS next-day funding, you can rest easy knowing that your payment processor is prioritizing your company’s financial health, your cash flow is strong, and the money you work so hard to earn is in your bank account, not your processor’s. At BAMS, our goal is to foster strong, lasting relationships with all of our merchants, and the peace of mind offered by next-day funding is a big part of that.

Stop waiting to access your funds! Click here now to get in touch with a BAMS agent who can help you say goodbye to funding holds for good.

Frequently Asked Questions

What happens if I miss the cut-off time?

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.

Are all merchants eligible for next-day funding?

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!

Does access to next-day funding impact my pricing?

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.