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Merchant Services gives you the power of seamless payment processing

Your business. Your way. It's never been easier.

With our all-in-one payment processing solutions, you spend less time sweating the small stuff and more time growing your business.

Game-changing, personalized payments solutions

Connect a world of payments seamlessly and securely

  • Offer your customers the convenience of multiple payment types, from credit and debit cards, to contactless, swipe and keyed adatext
  • Enjoy straightforward, competitive pricing with no surprises and no long-term contracts adatext
  • Best-in class data security included in all of our solutions at no extra cost adatext

Start where you are ― and grow from there

  • Build, refine and optimize a system that meets your unique needs today and in the future, whether you’re on-the-go, in-store or online
  • Get peace of mind knowing you have help whenever you need it with 24/7 live technical support
  • We’ve been there for more than 3 million small business clients. And, we’ll be there for you, too, with support and guidance from dedicated specialists, including Erica, our mobile virtual assistant adatext

Stay one step ahead with the power of intuitive technology

Choose from a variety of payment solutions that meet your needs

  • Take care of time-consuming admin tasks with a smart POS system that goes beyond payments to easily manage accounting, employees, inventory and more adatext
  • Meet your customers where they are with portable payment terminals and our Mobile Point of Sale Solution
  • Just need to take payments? Our payments-only solution allows you to easily provide a wide variety of payment options for your customers, and deliver a great customer experience at checkout

Combining Merchant Services payment processing solutions with banking makes your relationship even more rewarding

  • Earn a discount of up to 0.10% on your Merchant Services Simplified Pricing processing rate with Preferred Rewards for Business - plus additional program savings and rewards adatext
  • Gain insights about sales trends, transactions, daily settlements and more from our award-winning Cash Flow Monitor and Connected Apps. adatext
  • Our experienced teams are made up of specialists in the merchant services industry, and they're ready to help you navigate payment options and recommend solutions to help grow your business
  • Access funds as soon as the same business day when you have a Bank of America business checking account adatext

Transparent pricing adatext

We offer competitive pricing with no-fee same-day funding for qualified accountholders. We also offer custom pricing.

2.65% + 10¢

Swipe, dip and tap

2.99% + 30¢


3.50% + 15¢


  • No long-term contracts
  • No hidden fees
  • No early termination fees


Preferred Rewards

For Business


  • Gold: 0.05%
  • Platinum: 0.07%
  • Platinum Honors: 0.10%

Preferred Rewards for Business members enjoy many rewards and ways to save; including a processing rate discount on Merchant Services when they are enrolled in the Simplified Pricing plan.

Questions & answers

What is a point of sale system?

Hardware, software, support and pricing that enables merchants to accept multiple payment types and manage their business more efficiently. If you're not sure which option is right for your business, one of our experienced specialists can help you.

What payment types can I accept?

Our systems accept most common payment types including credit or debit cards, Apple Pay®, Google PayTM and Samsung Pay.

What kind of security does Bank of America offer?

Our solutions offer end-to-end encryption and tokenization for more secure payment transactions and meet PCI data security standards, all at no extra cost. adatext

How quickly can I receive funds?

We offer no-fee same-day funding to qualified accountholders and next-day funding to all merchants.

Can I customize my own system?

You can customize this point of sale solution with the software, hardware and pricing options that suit your needs. Our experienced specialists can help you find the right fit for your business.

Where can I find more information on how to use merchant products and services?

To find more information, visit the Merchant Help Center.