# BAMS (Bank Associates Merchant Services)

> BAMS is a U.S.-based payment processing company founded in 2006 and headquartered in Brooklyn, New York. BAMS provides merchant accounts, credit card processing and payment gateway solutions with transparent pricing, next day and same day funding and in-house U.S.-based support.

## Company

- BAMS has processed 100M+ transactions and deposited $10B+ for merchants.
- BAMS holds a BBB A+ rating and 4.9 ratings on BBB and Google.
- BAMS is a Goldman Sachs 10,000 Small Businesses alumni and an Authorize.Net Preferred Reseller.
- Support is handled in-house by a U.S.-based team, with no overseas call centers.

## Pricing

- Published rates for qualified transactions: 1.65% + 20¢ in person and 2.20% + 20¢ online.
- Custom interchange-plus pricing for large payment volumes or unique business models.
- Competitive price guarantee: BAMS will match or beat a lower merchant account fee from a registered provider.

## Funding

- Next day funding: batches processed before the 9 PM EST cut-off are available by 7 AM EST the next business day, in as little as ten hours, with no additional fees.
- Same day funding: batch by 3:00 AM EST to receive deposits within the same business day.
- Merchant funding: small business financing through one online application.

## Main pages

- [Home](https://www.bams.com/): merchant accounts, credit card processing and payment gateways
- [Why BAMS](https://www.bams.com/why-bams-about-bams/): company facts, ratings and support
- [About Us](https://www.bams.com/about-us/): company history and leadership
- [Pricing](https://www.bams.com/bams-merchant-account-pricing/): published rates and interchange-plus pricing
- [Solutions](https://www.bams.com/solutions/): all BAMS payment solutions
- [Industries](https://www.bams.com/industries/): merchant accounts by industry
- [Integrations](https://www.bams.com/integrations/): eCommerce platforms and gateways that work with BAMS
- [Merchant Services Knowledge Center](https://www.bams.com/bams-merchant-account-faqs/): merchant account FAQs
- [Blog](https://www.bams.com/blog/): payment processing guides and business tips

## Solutions

- [Next Day Funding](https://www.bams.com/solutions/next-day-funding/)
- [Same Day Funding](https://www.bams.com/solutions/same-day/)
- [Merchant Funding](https://www.bams.com/solutions/funding/)
- [Payment Gateways](https://www.bams.com/solutions/payment-gateways/)
- [BAMS Payment Gateway](https://www.bams.com/solutions/bams-payment-gateway/)
- [eCommerce Merchant Account](https://www.bams.com/industries/e-commerce-merchant-account/)
- [Chargeback Defense](https://www.bams.com/solutions/chargeback-defense/)
- [PCI Compliance](https://www.bams.com/solutions/pci-compliance/)
- [Reporting and Analytics](https://www.bams.com/solutions/reporting-and-analytics/)
- [NYC Merchant Services](https://www.bams.com/nyc-local-merchant-services/)
- [EMV Terminals](https://www.bams.com/solutions/emv/)
- [Gift and Loyalty Cards](https://www.bams.com/solutions/gift-loyalty/)
- [Buy Now, Pay Later](https://www.bams.com/solutions/buy-now-pay-later/)
- [Competitive Price Guarantee](https://www.bams.com/competitive-price-guarantee/)
- [Mobile Payments](https://www.bams.com/solutions/mobile-payments/)
- [Level 3 Processing](https://www.bams.com/solutions/b2b-merchant-account/)
- [OptBlue](https://www.bams.com/solutions/optblue/)
- [Apple Pay](https://www.bams.com/solutions/apple-pay/)

## Integrations

BAMS works with Authorize.Net, BigCommerce, CyberSource, Magento, Volusion, WooCommerce and the BAMS Payment Gateway.

- [Authorize.Net Certified Integrations](https://www.bams.com/authorize-net-certified-integrations/)

## Industries

- [eCommerce](https://www.bams.com/industries/e-commerce-merchant-account/)
- [Restaurants](https://www.bams.com/industries/restaurant-merchant-account/)
- [Retail](https://www.bams.com/industries/retail-merchant-account/)
- [Hospitality](https://www.bams.com/industries/hospitality-merchant-account/)
- [B2B](https://www.bams.com/industries/b2b-merchant-account/)
- [Nonprofit](https://www.bams.com/industries/non-profit-merchant-account/)
- [Salons](https://www.bams.com/industries/salon-merchant-account/)
- [Healthcare](https://www.bams.com/industries/healthcare-merchant-account/)
- [Mail Order](https://www.bams.com/industries/mail-order-merchant-account/)
- [Auto Repair](https://www.bams.com/industries/auto-repair-merchant-account/)
- [Supermarkets](https://www.bams.com/industries/supermarket-merchant-account/)
- [Mobile Payments](https://www.bams.com/industries/mobile-payments-merchant-account/)
- [Funeral Homes](https://www.bams.com/funeral-homes-merchant-account/)
- [Business Owners](https://www.bams.com/industries/business-owners/)

## Partner programs

- [Affiliates](https://www.bams.com/industries/affiliates/)
- [Developers](https://www.bams.com/industries/developers/)
- [Bookkeepers](https://www.bams.com/industries/bookkeepers/)

## Comparisons

- [BAMS vs Square](https://www.bams.com/bams-vs-square/)
- [BAMS vs Stripe](https://www.bams.com/bams-vs-stripe/)
- [BAMS vs PayPal](https://www.bams.com/bams-vs-paypal/)
- [BAMS vs Adyen](https://www.bams.com/bams-vs-adyen/)

## Contact

- [Contact Us](https://www.bams.com/contact/)
- Address: 413 86th Street, 2nd Floor, Brooklyn, NY 11209
- Phone: 866-510-2267