Customer ReviewsforBank Associates Merchant Services

I have worked with Bams personally for over a year! My company has used them for many years prior to me dealing with them. They have been great and every time I call they are there when I need them and very pleasant to work with. I have worked with **** and *****, they are the best to work with. Always help me resolve any issues or questions I may have.

Thank you for the feedback! Here at BAMS we appreciate your continued trust in us. As always if there is any area for improvement please do feel free to contact me directly. Have a great day!-***************, Director of Sales

Warning!! This company has a total lack of transparency. Be very cautious!My experience was concerning. I received numerous emails stating that I was guaranteed lower processing rates with them. So, I requested the rates. They responded that I needed to send them a full month of data to analyze. So I did. The next day I get an email from **** stating that my numbers have been analyzed and that I am paying an effective rate of X and they can offer me Y. I call the sales **** **** On this call, I stated that I would like to understand the numbers I was provided. I requested more details and transparency. *** stated that I really needed to allow **** to walk through these summary numbers as the formulas are "complex". I again requested the data stating that I would like to review it prior to any sales call. She responded that the data would not be provided to me as I could use it with my current provider to negotiate for lower rates. Further, she states I won't be able to understand the data without having **** walk me through the "complex formulas". *** insists I just need to give them 10 minutes and all would be cleared up. I should have seen through this nonsense. I reluctantly say fine, I will give you 10 minutes. I wait on the line and here comes ****. I'm pretty sure this is some sort of pitch to convince me that their "formulas" show x and y but in fact I'm going to be paying them more in real dollars. I tell **** she has 9 minutes and she responds she can't explain it in that time because it is complex. Annoyed, I request a manager. ********, the manager, states he is already on the call and that we aren't a good fit. Call ends. As I decide to leave a this review, I call back to alert the senior management team of what occurred. ******** answers. I ask to speak with his manager and am told no, the buck stops with him. To sum it up, don't bother. There is no transparency. Their formula is "complex". They will take your data and waste your time.

While I am sorry to hear the dissatisfaction with your experience, I feel this is a gross miscategorization of the interactions you had with our company. To begin with we never "guarantee lower processing rates" in preliminary conversations. I have reviewed ***** preliminary emails with you and confirmed this. We consistently are able to offer competitive pricing but would never guarantee something until we had all the information available to provide an educated answer. The change in pricing plans being provided was from Flat Rate, one which is completely opaque, to INT, the most transparent pricing plan there is. After sending the estimated update to your effective rate *** pushed for you to discuss with **** how she calculated that number. This is because we have consistently seen misunderstandings spawn from simply sending this information out in the past and find it far smoother and more efficient for all parties to review in this manner. At this point you began to berate ***, and then **** when she joined the call. You were extremely hostile and aggressive with them both saying things like "I said I'd give you 10 minutes and it took you 9 to get on the phone so you have one left." I had joined the call prior to speaking, waiting for the conversation to die down instead of interrupting, and heard a minute or two of this going on before I spoke up and tried to deescalate the situation. After hearing the back and forth I stated to you that we were likely not a good fit for each other and could end it there. This was based on how you were behaving to my employees and your clear dissatisfaction with our process. I let you know that it was ok if our process doesn't work for you, and vice versa, but I would not sit there and continue to listen to you berating my employees. When you called back and asked to speak to my manager I again stated that I am the Director of Sales and report directly to the President who was unavailable. I informed you that in my position I provide oversight to the sales team and any concerns, or reprimands which spawn from those, would be handled by me. At this point I was repeatedly called a liar and told to buy a dictionary because I did know what "berate" meant. Again, I am sorry that you had a poor experience with our company. It is unfortunate that our process does not work for you and our employees attempts to follow that process caused you such anger. It is a process which many clients in the past have found exceptionally successful, as reflected in our considerable positive reviews. I wish you and your business nothing but success.