Bank Associates Merchant Services is a full-service electronic payment service provider which offers credit card processing solutions tailor-fit to meet your business’ unique needs. We accommodate virtually all areas of commerce - national and international; start-ups and established merchants - including, but not limited to: Retailers, Restaurants, Supermarkets, Hotels, Travel Agencies, Petroleum and Convenience Stores, Mail Order, Telephone Order, Home-Based, and E-Commerce Internet merchants.

BAMS has the ability to process payments via virtually all card types and services, including: Visa and MasterCard, American Express, Discover, Diners Club, JCB, EBT Food Stamps and Cash Benefits, as well as PIN debit. For gas stations, we support Voyager and Wright Express processing. Additionally, BAMS has the ability to process payment transactions via virtually every credit card terminal, payment software, and Point-of-Sale (POS) system currently on the market.

BAMS makes obtaining a merchant account easy. Simply fill out our online application. This enables us to get to know your business and specific payment needs better. While your application goes through the approval process in our underwriting department, our team of merchant account specialists will analyze the specific cost-saving and value-added services which will best enhance your business. Your merchant account can be up and running the same day*, with all approved retail and e-commerce accounts guaranteed to be up and running within 24 hours.

If you are already using another payment processor, BAMS can always find ways to save you money on your credit card processing costs, guaranteed! We will perform a free and transparent analysis of your current fee structure. Upon completion of our analysis – completed within 24 hours of our receipt of your current processing statement - you will receive a straightforward proposal detailing exactly how BAMS will decrease your bottom line and increase your profitability.

No matter which industry your business falls under, BAMS offers custom-tailored products and services to enhance your bottom line. Click on the market segment specific tabs above for information about the processing possibilities and services available to your business.

Retail merchants can get started on becoming a BAMS merchant

by Applying Now via the Online Retail Merchant Application

E-Commerce merchants can get started on becoming a BAMS merchant

by Applying Now via the Online E-Commerce Merchant Application

To speak with a merchant account specialist, you may utilize our live chat feature, email us at newaccounts@bams.com, or call us toll free at 866-510-2267 ext. 8001

Solutions for Retailers

Each retail establishment is as unique as the merchandise it sells. For this reason, our retail sales division offers a wide range of retail payment processing solutions, allowing us to work with you to find the perfect combination of products and services for your specific needs.

We aim to help you maximize your profits and create a loyal base of repeat customers by maximizing your payment flexibility - accounting for all customer payment preferences - and implementing value-added services such as turnkey ATM services, branded gift-cards, and customizable Point Of Sale systems.

Click on the payment solutions below for more information:

• Credit Card Acceptance
• Debit Card Acceptance
• Check Processing and Verifications
• Point of Sale Equipment and Software
  
• ATMs
• Gift Cards/Loyalty Programs
• Fraud/Risk Protection Services
• Online Services

Solutions for Restaurants

We understand that your diners depend on the quickness and accuracy of your service. With that in mind, BAMS can provide your restaurant with processing solutions that will streamline the customer payment process, optimize your time and increase your revenues.

Whether you operate a quick service food establishment, or a gourmet restaurant, BAMS strives to increase your bottom line. We offer the latest in restaurant specific Point-Of-Sale systems that will increase table turns and profits via enhanced order accuracy and speed, as well as a wide range of reports and documentation to simplify transaction tracking and management.

Click on the payment solutions below for more information:

• Credit Card Acceptance
• Debit Card Acceptance
• Point of Sale Equipment
• Gift Cards
• Loyalty Programs
• Payroll Card
• ATMs
• Fraud/Risk Management

E-Commerce Solutions

BAMS is your bridge between brick-and-mortar and electronic customer base.

Business on the Internet is booming and there is no better way to maximize your business' success than by offering customers the option to pay for your goods and services with the click of a mouse. Bank Associates Merchant Services' e-commerce division can provide you with the highest levels of secure transaction infrastructure available to e-commerce merchants. We understand that security is the main concern for potential Internet consumers, and our e-commerce solutions will give your customers the security they require through the use of the most up to date encryption technologies.

Our network is integrated to major processing platforms that deliver fast, secure and reliable credit card processing. Whether you are a brick and mortar store looking to expand your business online, or an existing e-commerce merchant looking for new processing solutions, BAMS will make the transition as seamless as possible.

What You Need to Process Payments Online:

• A Web Site
• A Payment Interface (Virtual Terminal or Web Storefront)
• A Payment Gateway
• A Merchant Account

A Choice of Merchant Payment Interfaces

While Authorize.Net, USAePay and E-Processing Network are our preferred payment gateways, we have relationships with many other gateways which enable us to make sure your online merchant account gets approved, and you get the most customized e-commerce solution.

If you are an established e-commerce merchant, we can seamlessly convert you to a lower credit card processing rate without the need for reintegration of your website and shopping cart, regardless of which gateway you currently use. Please visit our E-Commerce Processing page for detailed information on each of our preferred payment gateways.

What Is A Virtual Terminal?

A Virtual Terminal is a secure, browser-based terminal that enables businesses to authorize, process and manage credit card transactions from any computer that has an Internet connection and a Web browser. The Virtual Terminal replaces stand-alone authorization terminals, and provides the best solution for merchants who manually enter credit card transactions for mail order/telephone order (MOTO) sales.

Benefits of E-Commerce through a Payment Gateway

Your account will include all of the following features & benefits:

• Access to all of your orders, transactions, and reports from any Internet-enabled computer, worldwide.
• Free Secure (SSL) order page on which to take orders over the Web - no need to buy your own certificate!
• Virtual Terminal capabilities with every account.
• Recurring billing option.
• Protect against fraudulent transactions and charge-backs with the Address Verification Service (AVS).
• Supports an unlimited number of users simultaneously with no additional license fees.
• Daily auto settlement of transactions emailed to you for optimal accounting.

Apply Now Online!
No Obligation, No Cost

Click Here to Apply

Lodging Solutions

     

Let BAMS help you make your customers experience a home away from home!

We at Bank Associates Merchant Services understand that it is crucial for businesses in the lodging industry to provide first-rate customer service. It is, after all, your exceptional service that keeps guests coming back. Our lodging industry experts will analyze your current payment system and determine which products and services should be implemented to enhance your guest relations and increase your revenues.

BAMS lodging payment solutions will provide you with integrated payment and guest support services via leading lodging industry POS systems and management software. Your reservations process will be more efficient, speeding up front desk transactions and minimizing the need for back office accounting. Every interaction you have with your guests is important, and we will make sure that your payment transactions run smoothly around the clock.

Petroleum/Convenience Solutions

Whether paying for gas at the pump, buying a snack, or withdrawing cash, your customers benefit from BAMS' comprehensive payment options and premium services tailored especially for your Petroleum and Convenience Store needs.

To keep up with your traveling customers' pace, you need a payment processor that offers high-speed authorizations, customized pre-paid cards and innovative reporting solutions. BAMS is the perfect electronic payment solutions company for the Petroleum industry.

• State-of-the-art communications enable your authorizations and verifications to go through quickly and securely using dial-up 950 and 800 service, frame relay connections,TCP/IP, ISDN and VSAT. Flexible platform options include stand-alone, networked, PC or integrated systems.
• Acceptance of all major credit and debit cards, private label and fleet cards, including Visa Fleet, MasterCard Fleet,Voyager and Wright Express, Fuelman, Frequent Fueler cards, Pre-Paid, and Travel & Entertainment cards, as well as a wide range of check authorization and verification options.
• Partial debit authorization enables consumers to use the available funds in their bank accounts for pay-at-the-pump transactions, even if it's under the pre-authorization amount. When the pump reaches the cardholder's limit, it stops.
• PIN prompting for debit cards allows the transaction to be routed to the more economical debit networks.
• Dynamic routing of PIN-based debit cards to the least expensive debit networks increases the retailer's margins.