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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.

Flexible, personalized payment 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
  • Enjoy straightforward, competitive pricing with no surprises and no long-term contracts Footnote [1]
  • Best-in class data security included in all of our solutions at no extra cost Footnote [2]

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 millions of small business clients. And, we’ll be there for you, too, with support and guidance from dedicated specialists.

Stay one step ahead with the power of intuitive technology

Choose from a variety of payment solutions that meet your needs

  • 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
  • Meet your customers where they are with portable payment terminals and our Mobile Point of Sale Solution
  • With our e-commerce payment solution, the Bank of America Gateway gives you an easy way to power your e-commerce business, with security, fraud prevention tools and a virtual terminal at no additional cost.
  • For those who have valid tax exemption, ability to support Non-Profits and charitable organizations, providing tax exemption to your businesses

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 Footnote [3]
  • Gain insights about sales trends, transactions, daily settlements and more from our award-winning Cash Flow Monitor and Connected Apps. Footnote [4]
  • 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 Footnote [5]

Transparent pricing Footnote [6]

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¢

E-commerce

3.50% + 15¢

Keyed

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

BANK OF AMERICA

Preferred Rewards

For Business

TIER RATE DISCOUNTS

  • 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 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. Footnote [7]

How quickly can I receive funds?

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

How can I connect my online store to take payments with Bank of America?

You can take payments easily on your site through one of our e-commerce platform partners or through one of our direct integration methods: Hosted Payments Page, Checkout API, Microform Integration or Card Not Present Integration Toolkit.

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

To find more information, visit the Merchant Help Center.

Can I receive sales tax exemption on equipment and software solutions purchased?

Yes, if your business has a valid state sales tax exemption form for the state they operate in, we can provide an exemption in accordance with your state's tax laws. This exemption applies only to equipment and software solutions.