Merchant Services

Global payment solutions you need from a bank you trust

As the payments landscape continues to evolve, Merchant Services solutions from Bank of America can help you evolve with it. We are here to help you have complete power over your payments, greater efficiency within your operations and solutions that makes it easier for you to work fast, smart and secure.

Payment solutions

Accept a wide variety of payment types and methods to enable your customers to pay their preferred way.


Contactless Options: Implement the latest touchless payment methods that make checkout quick, easy and safe.


Digital Solutions: Embrace an increasingly digital customer journey with e-commerce and mobile solutions to meet complex global needs.


Gift Cards: Add a fully integrated gift card program to inspire customer loyalty and help grow sales. We support processing, reporting and card production of physical and digital cards.


Pay by Bank: Customers in the UK can now pay using their bank account without having to input card details, creating a fast, secure, more efficient way to pay.

Risk mitigation

Business losses due to cybercrime are expected to exceed $5 trillion total by 2024.1 The right Merchant Services solutions can help protect card data, minimize overall fraud exposure and costs and protect your business and brand.


Data Security: Cutting-edge security and fraud prevention capabilities help protect you every step of the payments journey.


Consumer Authentication and Fraud Management: Fraud monitoring and prevention to help minimize overall fraud exposure and costs.


Dispute Management: Efficiently handle disputes, chargebacks and retrievals.

Operational efficiency

Achieve payment efficiencies, manage cost of acceptance and limit downtime.


Relationship pricing: Identify opportunities to improve processing efficiencies and decrease your current cost of acceptance, taking into account your banking, lending and treasury relationships.


System integration: Holistic end-to-end merchant solutions make transactions smoother and insights more accessible.

Deeper insights

Access comprehensive data more quickly to make big-picture decisions.


Support Model: Integrated team of Bank of America experts serving all your business needs — from banking, lending and treasury to strategic merchant services guidance.


Reporting Suite: More than 80 standard reports can be emailed to any location or group.


Easy Access: Dashboard view provides a snapshot of essential processing information.

Cross-border solutions

With an international presence and a suite of cross-border solutions, we can empower you to accept payments in more than 130 currencies.


Local Acquiring: Bank of America offers local acquiring services in the U.S., Canada and many European countries.


Global Acquiring: If you're a merchant located abroad seeking local authorization and funding, we can help you enable card-not-present and POS payment capabilities in dozens of countries around the world.2


Global Currency Solutions: Empower international customers to confidently shop and pay using their own currency, which can improve sales conversions. Plus you can get funded in your base currency, and potentially reduce foreign exchange rate risk.

Our difference

Put the combined capabilities of Bank of America to work for you.


Comprehensive support: Integrated team of Bank of America experts serving all your business needs.


Intuitive innovation: Holistic end-to-end merchant solutions make transactions smoother and insights more accessible.


Turnkey security: Cutting-edge security and fraud prevention capabilities help protect you every step of the payments journey.


Seamless integration: Effortlessly integrate payments into your trusted banking relationship for a holistic view of your finances.


Clients are at the center of everything we do. And we are dedicated to giving you best-in-class payment solutions built on simplicity, clarity and transparency.

Award winning customer satisfaction

Image of J.D. Power Customer Satisfaction award

Named highest in customer satisfaction with Merchant Services by J.D. Power

To get started, contact a Bank of America representative.

1The Future of Cybercrime & Security: Threat Analysis, Impact Assessment & Mitigation Strategies 2019-2024, Juniper Research.

2Bank of America is a referral partner for the International Acquiring Solution. A wholly owned subsidiary of Fiserv, or another in-country affiliate of Fiserv, in combination with the applicable in country acquiring financial institution, are the entities that will contract with you in providing the services. Not available for merchants domiciled in Canada.

Bank of America received the highest score in the J.D. Power 2022 Merchant Services Satisfaction Study of customers’ satisfaction with credit card/debit payment processors among small business owners/operators. Visit for more details.