Retail Merchant Services Account Processing
Get specialized expertise for retail in-store or eCommerce payments in a unified environment.
Industry Trusted, Merchant Tested
Everything you need to upgrade and optimize your eCommerce retail business.
- Seamless Integrations
- Same Day & Next Day Funding
- Proprietary Reporting and Analytics Portal
- Costly Updates
- 3-5 Business Days to Receive Funding
- Complicated, Third-Party Reporting
Why Retailers Choose BAMS
Seamless Retailer Integrations
Our POS integrations allow retailer clients to use their existing POS System with a BAMS merchant account so you can get the proper solution at an affordable cost.
Same Day Funding &
Next Day Funding
You no longer need to wait 3 to 5 business days to receive your funds. Receive your funds on the very next day for all card types, including:
- Visa
- MasterCard
- Discover
- American Express
Retailer Reporting and Analytics
BAMS eCommerce merchant accounts get access to IRIS CRM, our proprietary portal that gives retailer clients an all-in-one software solution for maximizing profits and streamlining your operations. It lets you see everything in one place, including:
- Daily deposits and a searchable transaction history
- Daily transactions broken down by card type
- Multi-account access to track unlimited businesses or locations in one spot
- Statements for simplified accounting
Additional BAMS Solutions for Retailers
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BUY NOW, PAY LATER
Increase your business’s sales, average order value, reduce cart abandonment, and get paid up front — all at no risk to your business — with Buy Now, Pay Later for Merchants.
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PAYMENT GATEWAYS
BAMS offers low-cost gateway credit card processing, top-notch security and seamless integration with all major processors.
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PCI COMPLIANCE
Avoid legal penalties, security breaches, financial losses and damage to reputation with PCI Compliance.
How BAMS Helps Retailer Clients
Trusted Leader in Payment Solutions
We switched to BAMS from our old merchant services provider a few months ago and are happy that we did. The service and technology that they provide us are great, and they have been able to save us more on our discount fees than they even estimated that we’d save. Our rep, Troy, was very helpful in making the transition easy and pain-free.
Great experience working with Olga to get us switched over to BAMS. Love the use of their portal, and the savings they found for our business of course!
They are very hands on making sure you have the right equipment you need for all aspects of your business. Highly recommend them.
I am very happy with Bams Support Rep Laurie! She has many times answered my questions correctly the first time and in a timely professional manner! Thank you!
Frequently Asked Questions
Most retail merchants can be onboarded within 24–48 hours. If you need hardware, we’ll ship devices pre-programmed so they’re ready to use right out of the box.
Yes. Retail merchants benefit from real-time reporting through IRIS CRM, including batch summaries, deposit tracking, chargeback alerts, and employee-based reporting. These tools make it easier to manage daily operations.
Yes, and with our reporting platform BAMS can consolidate processing across multiple stores, allowing retailers to manage reporting, funding, and reconciliation from a single platform. Each location can also have unique tracking and permissions.
Card-present transactions already carry lower risk, but BAMS also supports EMV chip technology, address verification, and POS-level security tools. These features reduce fraud exposure and help protect your business while our in office chargeback team will help you best respond to any which may arise.
We support a wide range of EMV terminals, PIN pads, wireless devices, and full POS systems. Our team will help you select the right hardware based on your store layout, checkout volume, and budget.
Yes. Many retail merchants qualify for next-day funding, which helps improve cash flow and ensures steady business operations. Same-day funding may also be available based on volume and business model.
Our interchange-plus pricing model ensures transparent rates with no hidden markups. Retail merchants benefit from lower card-present transaction costs, and we help ensure proper EMV and contactless processing to avoid avoidable downgrades.
Yes. BAMS supports compliant Dual Pricing and Cash Discount programs that help retailers reduce or eliminate processing fees while remaining transparent to customers and aligned with state regulations.
Yes, BAMS works with many major retail POS platforms and can assist in connecting your merchant account to your existing hardware or software, but this would need to be confirmed based on the specifics of the software you are using. We also offer standalone terminals for retailers who prefer a simple setup.
BAMS provides EMV-compliant terminals, POS systems, wireless readers, and contactless payment options including Apple Pay and Google Pay. We help retailers accept payments quickly and securely at the counter or on the go.
Ready for a Retail Merchant Services Account?
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