Same Day Credit Card Processing for Small Businesses
Running a small business means every dollar counts — and waiting days for your credit card payments can slow things down. With same day payment processing from BAMS, you don’t have to wait. Our merchant funding solutions let you access your credit card sales within hours, not days — helping you stay flexible, cover expenses faster, and keep your business moving forward.
What is Same Day Payment Processing?
Hours, Not Days
3 AM Cut-Off Time
Accelerated Cash Flow
How Same Day Merchant Funding Works
Process Your Credit Card Sales
Batch Your Transactions
Submit by Cut-Off
Access Your Funds
The Benefits of BAMS Same Day Funding
Key Features
- Funds are available in your account within the same business day
- Improved cash flow so you can cover expenses, make purchases, and reinvest in your business seamlessly
- Faster response to day-to-day operational needs with immediate access to revenue
- Fewer outstanding transactions and easier daily reconciliation
- No additional fees for same day funding — just faster access to the money you’ve already earned
Same Day Merchant Funding Elegibility Criteria
- Use hardware or software that is compatible with the TSYS processing network
- Be enrolled in a dual pricing or cash discount program
- Batch credit card transactions by 3:00 AM EST
- Operate within a traditional low-risk business category, such as:
- Retail
- Restaurants
- Auto Businesses
- B2B Providers
- E-Commerce
- Service Businesses
Frequently Asked Questions
No. There are no extra fees or hidden charges for same day funding through BAMS. It’s included as part of your eligible merchant services.
To qualify for same day funding, your transaction batch must be submitted by 3:00 AM EST. Batches received after that time will be processed in the next eligible funding cycle.
Unfortunately, not all merchants are eligible for same 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 same day funding eligibility, a member of our team would be happy to discuss the criteria with you, so give us a call today!
No. In addition to carrying no additional fees on individual transfers, eligibility for same day funding will also never impact your standard rates in any way. If you’re new to BAMS, same day funding availability will not increase the rates you’re assigned. If you’re an existing merchant just beginning to take advantage of same 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.
Absolutely. BAMS uses PCI-compliant systems and trusted processing networks to ensure every transaction is secure.
Faster deposits improve cash flow, reduce funding gaps, and make it easier to manage daily expenses — especially for small business owners who rely on steady liquidity.
