In Person
01 Qualified Credit Cards
1.65%+ 20¢*
*Lower pricing may apply based on volume! Visa, Mastercard, Discover and American Express cost the same.
BAMS transparent pricing
Transparent Merchant Account Pricing for Your Business Since 2006
Transparent pricing from BAMS can help reduce merchant payment processing costs without sacrificing features or support.
BAMS Merchant Services Pricing Snapshot
Published rates. Custom options.
Compare BAMS’s published in-person and online rates, or explore custom pricing for meaningful volume.
See why pricing varies >Online / Manually Entered
02 Qualified Credit Cards
2.20%+ 20¢*
*Lower pricing may apply based on volume! When a customer buys from your online store.
Custom
03 Interchange Plus Pricing
Built around your business.
For large payment volumes or unique business models.
Volume Discounts Omni-Channel Multi-Location
* BAMS rates shown are qualified in-person and online rates before volume discounts. A quote accounts for your business model and payment mix.
How BAMS Compares
Competitor figures reviewed against published rate cards by Dimitri Akhrin, President of BAMS. Rates can change; confirm current provider pricing. Last reviewed September 2026.
| Provider | In-Person (Swiped/Dipped) | Online (Keyed/eCommerce) | Pricing Model |
|---|---|---|---|
| BAMS | 1.65% + 20¢* | 2.20% + 20¢* | Published Rates + Custom Interchange-Plus |
| Square | 2.60% + 15¢ | 3.30% + 30¢ | Flat-Rate |
| Stripe | 2.70% + 5¢ | 2.90% + 30¢ | Flat-Rate |
| PayPal | 2.29% + 9¢ | 2.99% + 49¢ | Flat-Rate |
* BAMS rates shown are qualified in-person and online rates before volume discounts. A quote accounts for your business model and payment mix.
Compare your current costs
Request a Custom Quote > Get pricing built around your business.
Share a recent processing statement and request a custom BAMS quote based on your unique business model and payment mix.
Side by Side Alternative Competitor Comparisons
Review focused side-by-side comparison pages to explore pricing approach, features, support and fit.
Your next comparison step
View Our Price Comparison Process > See the five checkpoints BAMS uses to review your current pricing and payment setup.
The math behind a quote
Small rate changes, big impact.
At meaningful processing volume, even a fraction of a percent difference in your effective rate is worth measuring. This hypothetical example isolates a simple rate reduction so you can see the potential impact before reviewing the remaining itemized fees in a custom BAMS quote.
Hypothetical Illustration
Monthly Volume$40,000
Rate Reduction0.25%
Monthly Savings$100
Annual Savings$1,200
Illustrative math only—not a BAMS offer, quote, or customer outcome. Actual savings depend on processing mix and all applicable fees.
Pricing models
Interchange-Plus vs Flat-Rate.
BAMS displays published rates for qualified in-person and online transactions and offers custom interchange-plus pricing separately. Flat-rate pricing bundles wholesale costs and processor markup into one number while interchange-plus separates those components for comparison.
Interchange-Plus
You pay the interchange cost set by the card networks plus a separate processor markup. This structure makes lower- and higher-cost transaction types visible instead of blending them into one standard rate.
Read the interchange-plus guide >Flat-Rate
A single blended rate applies to covered transactions. While flat-rate models are simple to read initially, they can make it difficult to see how different card types, payment methods and wholesale interchange costs actually affect your bottom line.
Review flat-rate pricing > Calculate the true cost
Effective Rate
Your effective rate is your true processing cost, calculated by dividing total fees by total processing volume. Use the effective rate to compare the total cost across quotes.
(Total Fees ÷ Total Volume) × 100 =
Effective Rate % Example: If you process $10,000 and pay $250 in total fees, your effective rate is 2.50%.
Learn to calculate your effective rate >Quote review checklist
Ask for every fee in writing.
Headline rates are only part of the picture. We encourage you to review how each applicable cost below is itemized in your custom BAMS quote so you can calculate a complete and accurate effective rate.
Monthly / Statement Fees
Your quote should state whether a monthly or statement fee applies to your account and show the exact amount.
Review statement fees >PCI Compliance
Review your quote to confirm whether a PCI compliance fee applies, how often it is charged and what compliance services BAMS provides.
Understand PCI-related costs >Chargeback Fees
Check the amount BAMS charges when a customer disputes a transaction and verify whether any related review fees apply to your account.
Compare chargeback costs >Payment Gateway
If your business processes eCommerce or keyed payments, review your BAMS quote for applicable gateway fees and transaction or integration costs.
Review gateway costs >Early Termination / Contracts
Your proposal should state the contract length and any early termination or account-closure fee before you sign.
Review contract fees >Batch / Funding
Confirm whether batch, settlement, or expedited-funding fees apply to your BAMS account and how often each cost is assessed.
Compare funding costs >Expedited options
Fast Deposit Funding.
Consistent cash flow keeps your business moving. BAMS provides expedited funding options to help qualifying merchants access their card-sale revenue sooner.
Next Day Funding Solutions
Next Day Funding Solutions from BAMS supports qualifying merchants’ cash flow priorities.
- Funds available the next business day
- Access revenue in as little as ten hours
- No additional fees
Same Day Funding Solutions
BAMS Same Day Funding Solutions offers qualifying businesses faster access to their revenue.
- Same-day access to funds
- No additional fees on individual transfers
- Does not change your standard rates
Note: Expedited funding options are subject to merchant eligibility, underwriting approval and banking windows.
Plan your deposit timing with BAMS
Discuss Funding Options > Find the funding option that fits your cash flow.
Ask our team about eligibility, banking windows and available expedited funding options when you request your custom BAMS quote.
Who it’s for
Who gets the most out of BAMS pricing?
Businesses processing over $10,000/month
At this volume, small effective-rate differences have a larger dollar impact, making an itemized BAMS comparison especially useful for your bottom line.
Multi-location & Omnichannel
A customized BAMS quote accounts for the different ways your customers pay in person, online and over the phone.
Merchants leaving flat-rate pricing
An itemized BAMS interchange-plus quote gives you a clearer way to compare our processor markup and total effective rate against your current flat-rate plan.
B2B & Level 3 Processing
Eligible B2B transactions may qualify for different interchange categories when the required Level 3 data is supplied. Learn about B2B processing >
The clear view
One rate does not tell the whole story.
Processing pricing varies because the way you sell matters. Here is a brief look at what shapes a customized, useful quote from BAMS.
Why BAMS pricing varies
We price the payment, not just the transaction.
01
How customers pay
In-person, online and manually entered payments carry different processing considerations that BAMS factors into your quote.
02
Your business model
Your processing volume, physical locations and the way your team accepts payments help us determine the right pricing structure.
03
The support around it
Pricing is one part of the conversation. Features and support should fit the way you operate.
More in your corner
Custom-Fit Payment Solutions Designed For Your Business
Keep the essentials close with BAMS, from invoicing to the support that helps payments keep moving.
Solution 01
Fast, Predictable Payments
- Next-day funding
- Optional billing frequencies
- Combined batches
Solution 02
Chargeback Management
- Dispute-specific action checklists
- Online dispute management
- Automatic notifications and reminders
Solution 03
Invoicing
- Online invoices that get paid fast
- Easy to get started with no code
- Collect and monitor unpaid invoices
Solution 04
POS Integrations
- Select features to fit your business
- Hand-pick the best hardware
- Tap, dip, swipe, all in one place
Solution 05
Phone, Chat and Email Support
- In-house support and technicians
- Dedicated account representatives
- Online ticketing helpdesk
Solution 06
Virtual Terminal
- Sell products, services, or collect a donation
- Stored customer profiles
- Recurring payments
- Next-day funding
- Optional billing frequencies
- Combined batches
- Dispute-specific action checklists
- Online dispute management
- Automatic notifications and reminders
- Online invoices that get paid fast
- Easy to get started with no code
- Collect and monitor unpaid invoices
- Select features to fit your business
- Hand-pick the best hardware
- Tap, dip, swipe, all in one place
- In-house support and technicians
- Dedicated account representatives
- Online ticketing helpdesk
- Sell products, services, or collect a donation
- Stored customer profiles
- Recurring payments
How BAMS reviews your pricing
Compare with a little more context.
BAMS offers a transparent pricing model to help businesses evaluate their true processing costs. Our team can help you evaluate potential savings while considering the tools and features your daily operations require.
Compare current pricing >Five Useful Checkpoints
Review the five-step BAMS comparison process designed to identify potential cost reductions while giving you the one-on-one attention your business deserves.
01
Account Classification
Identify your business type and processing needs.
02
Side-By-Side Comparison
Compare your current processing setup and costs.
03
Check Regulations
Review requirements that apply to your business.
04
Review Payment Acceptance Setup
See how and where your customers currently pay.
05
Request a Quote
Get pricing built around your business.
Beyond the rate
Other solutions for your payment setup.
Tell us how you accept payments and we’ll help identify support, integrations and payment tools that may fit your business.
Chargeback Defense
Instant dispute alerts, eCommerce fraud protection and online dispute management.
Reporting and Analytics
IRIS CRM, daily deposits, transactions by card type, multi-account access and unlimited businesses or locations.
Integrations
Connect with popular vendors across industries and keep the tools your business already relies on.
PCI Compliance
BAMS walks you through the process so you can approach compliance with a clear next step.
Next Day Funding
BAMS next-day funding can help qualifying merchants access credit and debit card revenue the following business day, with funds available in as little as ten hours.
A closer look
Good processing feels quiet.
The right BAMS setup keeps payment questions from taking over the rest of your business.
Speak With Us >Useful answers
Before you change anything.
Still weighing the details about working with BAMS? Start here, then bring the questions that are specific to your business.
Pricing Specific Questions
A good processing rate is one that produces a competitive effective rate after every applicable fee is included. Divide your total monthly processing fees by your total processing volume, then compare that percentage across quotes with a similar payment mix. Learn more about calculating and reducing processing fees.
Interchange-plus separates the card-network interchange cost from the processor markup so both parts are visible. Flat-rate pricing blends those costs into one standard rate, which is simpler to read but can make it harder to see the true cost of different transaction types. Read why interchange-plus offers greater pricing visibility.
The comparison table on this page places the published headline rates side by side. BAMS lists qualified in-person and online rates before volume discounts and offers interchange-plus custom pricing, while the displayed Square, Stripe and PayPal rates use flat-rate models; your effective rate is the better final comparison. See how alternatives to Stripe and PayPal compare.
BAMS pricing is customized, so the complete fee schedule belongs in your written quote. Ask for every applicable monthly, PCI compliance, chargeback, gateway, batch, funding and contract-related cost to be itemized, then include those line items when calculating the effective rate. Use this line-by-line guide to hidden merchant fees when reviewing a statement or quote.
Contract length and any early termination terms depend on the customized agreement and should be shown in your quote before you sign. Confirm both items in writing when reviewing your complete pricing proposal and review the contract and fee terms that can affect your effective cost.
General Merchant Services Questions
BAMS has experienced zero downtime and has supported thousands of businesses since 2006. Read the crisis-ready guide to changing payment processors for steps that help protect payment continuity during a transition.
BAMS supports 90%+ software and hardware compatibility. Explore natural integrations for the tools your business uses.
Approximately 70% of applications receive same business day automated approvals. The remaining 30% receive manual review, which averages 2 to 3 business days. Review the cost and account details to check before switching processors.
Merchant account pricing can vary based on how you accept payments, your processing volume, your business model and the types of transactions you process. BAMS offers published in-person and online rates, along with custom interchange plus pricing for businesses with higher volumes or more specialized needs. See our merchant account price comparison for more detail.
Yes. The pricing shown on this page notes that lower pricing may apply based on processing volume. Businesses with larger payment volumes or unique processing requirements can also explore custom pricing options.
Interchange plus pricing separates the underlying card network interchange cost from the processor markup, making it easier to understand how processing costs are structured. BAMS offers interchange plus pricing for businesses that need a more customized processing setup. For business-to-business transactions, see Level 3 processing.
Yes. The way a transaction is accepted can affect processing costs. BAMS currently lists separate pricing for in-person transactions and online or manually entered transactions, with custom pricing available for larger payment volumes or unique business models. Businesses that sell online can also explore eCommerce merchant services.
Yes. BAMS offers a 5-Step Merchant Account Price Comparison that reviews your account classification, current pricing, applicable regulations, payment acceptance setup and available pricing options.
Payment gateway requirements can vary depending on how your business accepts online payments and which systems you use. BAMS can help you determine the payment gateway and processing setup that fits your business. Explore payment gateway solutions to review available options.
Yes. BAMS offers pricing and payment solutions for businesses that operate across multiple locations or accept payments through more than one channel. Custom pricing options may be available depending on processing volume and business structure. See available payment integrations for connected tools.
Work with BAMS
Let’s make your pricing
make sense.
Request a custom BAMS quote for your business, or let our team help compare what you pay today before you make a move.
No pricing guarantees. A BAMS quote reflects your business model, volume and specific payment setup.
