bank of america merchant services phone number

Merchant services and credit card processing. Top rated payment processing and point of sale. Lowest merchant account rates and fantastic customer service. To compare, Stax offers a number of in-person payment terminals at a variety of price points starting at just $175. How do Stax Payment. Bank of America Voice Authorization at 1-866-484-9137. Live operator will request: Merchant ID: Bank of America merchant ID (MID) begins with 6749105-xxxx. bank of america merchant services phone number

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Bank of America Merchant Services Mobile Bill Pay

Bank of america merchant services phone number -

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Review of Bank of America Merchant Services

If you’re looking for small business merchant services, you may want to consider established brands. There are more providers of merchant services than ever before, and if you’re already a Bank of America customer, it makes sense to consider Bank of America Merchant Services. But is it your best option?

What does Bank of America Merchant Services include?

Bank of America Merchant Services is a subsidiary of Bank of America and Fiserv (formerly First Data). Bank of America is a reseller of Fiserv, simply packaging and pricing its products rather than creating and selling its own.

Bank of America Merchant Services includes providing Clover products, e-commerce, card and check processing, mobile payment and payroll services.

Clover products

Bank of America Merchant Services gives you the option of integrating your point of sale (POS) system with its credit card processing. But if you need POS hardware or software, you will be choosing from Clover products.

If you’re looking for a tablet-based POS system, you can opt for the Clover Station, which includes the tablet, cash drawer, cables, receipt printer and printer paper. In short, it’s everything you need to get started.

If you’re looking for countertop terminals instead, Clover offers a number of options. Depending on the terminal, you can enjoy including built-in printers, LCD touch screens, USB ports, encryption, integrated PIN pads and check readers.

e-commerce

If you accept payments online, BoA Merchant Services could be a big help. It offers real-time authorization in transaction processing using the Compass Platform. Another option is the Global Gateway e4, a PCI compliant payment gateway that can integrate with your website.

Card/check processing

Bank of America Merchant Services will also allow your business to accept all major credit cards, including Mastercard, American Express, Visa, Discover, JCB and Diners Club. Most debit cards can be used as well.

TeleCheck, which allows you to accept checks electronically is also available. Additional security is provided by using one of two processing systems. The Verification option minimizes the risk of having checks returned. The Warranty option requires authorization, which helps reduce fraud. Both of these systems allow you to receive paper checks in addition to electronic checks.

Mobile payments

Bank of America Merchant Services offers Mobile Pay as a way to accept mobile payments. An Internet Mobile Pay System or a Mobile Pay app uses advanced security to keep your data protected. This feature helps protect against fraud and also allows you to send your customers a receipt through email.

Payroll services

BoA Merchant Services offers Money Network solutions for electronic payment for employees. This payment system complies with all state payroll requirements and features checks and cards that are widely accepted.

Bank of America Merchant services fees

Choosing the best merchant services solution for you often comes down to cost. And as you can probably guess, your costs will depend on your needs.

As a result, it’s tough to estimate your costs without discussing details with a Bank of American Merchant Services sales rep. Bank of American Merchant Services features are priced on a quote-basis, with your price varying based on your business needs.

While it is difficult to come up with accurate estimates, you can count on fees for software and processing of credit cards.

Software fees

Standard software plans include:

  • Register: Starts at $39.95 monthly per device and $9.95 monthly for each additional device
  • Register Lite: Starts at $9.95 monthly per device
  • Payments Plus: Starts at $4.95 monthly per device
  • Counter Service Restaurant: Starts at $39.95 monthly per device and $9.95 monthly for each additional device
  • Table Service Restaurant: Starts at $69.96 monthly per device and $9.95 monthly for each additional device

Credit card processing fees

There are two processing rates depending on how you accept payments. The first option features a 2.7 percent fee per transaction that applies to dipped, tapped or swiped payments. However, a 3.5 percent fee plus $0.15 applies to transactions that use hand-keyed, phone, or Internet payments involving card no-present payments.

Pros of Bank of America Merchant Services

There are many benefits to choosing Bank of America Merchant Services, including:

  • Variety of solutions: BoA Merchant Services offers many options that may work for your business in processing payments.
  • Next-day deposits: Fast processing time is one of the primary advantages of choosing BoA Merchant Services. If you already bank with BoA, card payments can be accessed the following business day.
  • Preferred Rewards: Being a BoA client in addition to choosing BoA Merchant Services could entitle you to Preferred Rewards benefits, which include fee waivers, rewards bonuses on eligible business credit cards, cash rewards and rate discounts on services that may vary depending on the program tier.

Cons of Bank of America Merchant Services

Like any decision, there are some negatives aspects to consider. Here are some of the downsides of Bank of America Merchant services:

  • Terminal lease contracts: Terminal leasing seems unnecessary, and some merchants have reported inadvertently signing a noncancelable terminal lease.
  • Lack of transparency: There is limited information about the program’s costs available on the Bank of America website, making it tough to determine the costs of implementing Merchant Services.
  • Hidden fees and high fees: Some Merchant Services clients say the program has higher fees compared to competitors, and some have claimed fees were not properly disclosed.

Bank of America Merchant Services vs. QuickBooks

If you’re like many small business owners, you use QuickBooks to keep track of your finances. If so, QuickBooks POS is a viable alternative to Merchant Services. It works with your current accounting software to make tracking your revenue extremely convenient.

There are three packages available for QuickBooks POS:

  • Multi-Store Plan: Starts at $1,900 and allows you to manage and transfer inventory across multiple stores and conduct advanced reporting.
  • Pro Plan: Starts at $1,700 and features basic point of sales capabilities, employee and payroll management, layaway capabilities and advanced reporting.
  • Basic Plan: Starts at $1,200 and facilitates basic point of sale functions.

How does Bank of America Merchant Services stack up?

Overall, it is difficult to recommend Bank of America Merchant Services. A company this large should do better than simply repackaging another company’s products at high prices. Given its high prices, lack of transparency and expensive leases on equipment, BoA Merchant Services can be a very costly option for small business owners.

Источник: https://www.bankrate.com/finance/credit-cards/bank-of-america-merchant-services-review/

Bank of America Headquarters Address, CEO Email Address and Contact Information

Bank of America is one of the largest MNC investment banks in the US. In addition to banking service, BOA offers financial services, including credit cards, home loans, auto loans, saving accounts, and more. To buy credit card with good benefits, many people prefer BOA. They offer attractive loan rates and best services. The bank was founded in San Francisco, California to cater the needs of financial services and banking customers in the United States of America. The bank is headquartered in Charlotte, North Carolina, United States.

The bank is headquartered in Charlotte, North Carolina, United States. BOA is listed on the NYSE with stock name BAC. As of December 13, 2019, the stock price of BAC is US$34.44. Brian T Moynihan is the Chief Executive Officer of the bank since January 2010.

Bank of America Headquarters

Bank of America Headquarters

Bank of America Headquarters Info

To send your query to the highest level i.e. corporate headquarters, please save Bank of America Corporate Headquarters Address, Bank of America Corporate Center, 100 North Tryon Street, Charlotte, NC 28255, United States. Please get in touch with BOA Corporate Headquarters when you didn’t get satisfactory answer from the lower management, customer support, and other ways.

Bank of America General account information, Lost or stolen ATM or debit card, Opening an account

Use this 800.432.1000 contact number in case of lost or stolen debit card or stolen ATM, general account information and any query regarding to opening an account. Please contact on this 1.315.724.4022 number in case of international collect, but make sure that cell phone roaming charges may apply.

Bank of America provide the facility of 24/7 automated support at 800.688.6086. The TTY or TDD Number of  Bank of America is 800.288.4408.

Bank of America Supplier relations and development help desk support

If you are in U.S., and want to contact development help desk support, then please call on 888.550.6433. For the outside U.S. and international collect, please call on 1.401.865.7948. Make sure that cell phone roaming charges may apply.

For Neighborhood builders, Local grants,  Student leaders, Volunteer grants, and Matching gifts, please contact on 800.218.9946.

Bank of America Joe Martin Scholarship (for Bank of America employees and retirees only)

Kindly call on 800.537.4180 this number for Joe Martin Scholarship only for Bank of America employees and retirees. Bank of America provide helpline in Spanish on 800.688.6086 this number.

Bank of America ATM Customer Service

Please note this mailing address of Bank of America PO Box 25118, Tampa, FL 33622–5118, in case of any query or issues regarding to ATM. To report a problem with an ATM, please call at 844.401.8500 and select option 1. You can contact Bank of America for ATM customer service through telephone on 844.401.8500 and select option 2.

For general account servicing and information (your card or account number will be required)

You have any query or issues regarding to general account servicing, then please call at 844.401.8500 and select option 3. Make sure that your account number or card will be required. In case of international collect, kindly call on 1.315.724.4022. It would be cell phone roaming charges may apply on this number.

The bank also offers a helpline number in Spanish, which is 844.401.8500 and select option number 3. You can also contact through TTY/TDD number, which is 800.288.4408. If you are searching for official website of Bank of America, the please visit this official web portal https://www.bankofamerica.com/.

Bank of America Auto Loans Customer Service

The auto loans customer service number of Bank of America for new customers is 844.892.6002 and for existing customers is 800.215.6195. TTY/TDD number of Bank of America is 866.345.1248.

Bank of America CDs & IRAs Customer Service

The mailing address of CDs & IRAs Customer Service of Bank of America is Bank of America, TX2-979-02-14, PO Box 619040, Dallas, TX 75261-9943. You can contact for CDs & IRAs Customer Service through this 888.827.1812 helpline number and this 800.288.4408 TTY/TDD number.

Bank of America Checking & Savings Customer Service

If you want to know General account information or want to Report a lost or stolen ATM or want to get information about debit card or Open an account then please call on 800.432.1000 this number for inside U.S. and please call on 1.315.724.4022 this number for international collect. Make sure that cell phone roaming charges may apply for international collect.

In case of send a letter to Bank of America, use this postal address Bank of America, PO Box 25118, Tampa, FL 33622–5118. The Bank offers a Spanish helpline number 800.688.6086 and TTY/TDD number 800.288.4408.

Bank of America Credit Card Customer Service

If you are customer of Bank of America credit card and looking for support address related to credit card payment, please use this mailing address, Credit card payments, Bank of America, PO Box 15019, Wilmington, DE 19886-5019.

To know your Application status inquiries for Bank of America credit card, please use this mailing address, Bank of America, PO Box 2493, Norfolk, VA 23501-2493.

If you are looking for address other than mailing, please use this Express overnight service: Payment Services, 900 Samoset Drive, DE5-023-03-02, Newark, DE 19713-6000. For Credit card billing inquiries, please send your queries or concerns at, Bank of America, PO Box 982234, El Paso, TX 79998-2234.

If you have any Questions about card types, we strongly suggest you to use this address, Bank of America, PO Box 53132, Phoenix, AZ 85027-3132.

Contact Numbers

  • Credit card customer service (including lost or stolen card) Number: 800.732.9194 (24/7)
  • Phone Number: 1.757.677.4701 (international cell phone roaming charges may apply)
  • Credit card activation Number: 800.276.9939 (24/7)
  • TTY/TDD Number: 800.222.7365
  • Credit card billing inquiries Number: 866.266.0212

Bank of America Insurance & Protection Customer Service

If you are customer of Bank of America and looking for insurance and protection customer support and need support for Health Benefit Accounts (HSA, FSA, HRA), For assistance opening a new HSA account, please call at 800.992.3200 option 1.

If you are an existing customer with a service-related question, please call at this number 800.516.9561. If you are looking for assistance with an existing account Phone, please contact here 800.718.6710.

If you are looking for TTY/TDD number, here it is 800.305.5109 (only TTY/TDD Number). For additional assistance locating this contact information call at 866.817.2836.

Contact us from outside the U.S. (International Travel Support)

  • Call international collect: 1.315.724.4022 (international cell phone roaming charges may apply)
  • For credit card issues: 1.757.677.4701
  • For debit card issues: 1.315.724.4022

Bank of America Loans For Health Care Professionals: 800.497.6076

Bank of America Military & Student Banking Customer Service

If you are looking for mailing addresses of military banking and student banking support, please find here, Military Banking: Bank of America, TX7-400-01-15, San Antonio, TX 78208-8000 and Student Banking Group, PO Box 182174, Columbus, OH 43218-2174.

Phone Numbers

If you are looking phone number for student banking instead of mailing address, here it is their Student banking Phone number 800.432.1000 and Contact Number (international location): 1.315.724.4022 (international collect; cell phone roaming charges may apply). If you are looking for lending, please contact at Student lending section by calling at 800.344.8382.

If you are looking for phone support for Military banking, please use this phone number 800.334.1920. If you are calling from outside the United States, use this phone number 1.210.978.5000 (international collect; cell phone roaming charges may apply).

If you are an existing customer and looking for phone support of safe deposit box, please use this contact number 800.432.1000.

Bank of America Mobile Banking Customer Service

If you are looking for mobile banking customer support, please use this mailing address here, Bank of America, PO Box 25118, Tampa, FL 33622-5118 and to get phone support, please use this number 800.432.1000 (Mobile Banking support number only).

Bank of America Mortgage & Home Equity Customer Service

If you are an existing customer with current mortgages (Existing mortgages), please reach out at 800.669.6607 (Mon–Fri 8 a.m.-9 p.m. ET) to get customer support. If you are looking for phone support for New home equity applications, please reach out at 800.779.3894 (Mon–Fri 8 a.m.-10 p.m. ET, Sat 8 a.m.-6:30 p.m. ET).

If you are a having Existing home equity accounts, please reach to 800.934.5626 between Mon–Fri 8 a.m.-9 p.m. ET. If you are not an existing customer and looking for New mortgage, please reach at 800.270.5746 between Mon–Fri 8 a.m.-10 p.m. ET, Sat 8 a.m.-6:30 p.m. ET.

Bank of America Online Banking & Bill Pay Customer Service

If you are looking for customer support and service for online banking and bill pay, their mailing address is, FL1-300-02-07, PO Box 25118, Tampa, FL 33622-5118 and to get phone support, please reach to 800.432.1000 (Online Banking support Number).

Bank of America Privacy & Security Customer Service

If you are looking for private and security customer support mailing address, here it is, PO Box 25118, Tampa, FL 33622-5118. To get mailing address for privacy support, please use this address, Privacy Assist® Customer Service: PO Box 220510, Chantilly, VA 20153-0510.

To report a lost or stolen ATM or debit card, please reach out to this number 800.432.1000. If you are not located in the US and calling from international number, please use this 1.315.724.4022 (international collect; cell phone roaming charges may apply).

To report a lost or stolen credit card, please use this phone number 800.732.9194. If you are calling outside of the United States, please call 1.757.677.4701 (international collect; cell phone roaming charges may apply).

To report a lost or stolen check book, please use this customer support number 800.432.1000. If you are located outside of the US, call on this number 1.315.724.4022 (international collect; cell phone roaming charges may apply).

Report Fraudulent or Suspicious Activity Contact Details and Numbers

If you have received a call with fraud activities, or suspicious activity related to Bank of America, please inform at customer support number, for ATM or debit charges, please call on 877.366.1121 (ATM or debit charges). To get information or customer support for Mortgage accounts, please call on 800.669.6607.

If you have Home equity accounts and looking for support, please contact at 800.934.5626 (Home equity accounts) and for online banking support, please call at their phone 800.432.1000.

If you are looking for support in Spanish language for all work (Bank of America), please call 800.688.6086. If you are looking for all other customer support from Bank of America, please call at 800.432.1000, 1.315.724.4022 (international collect; cell phone roaming charges may apply).

Bank of America Small Business Customer Service

You are an owner of small business and want to open a new account, please call at 866.543.2808 (Customer Service Support for Opening a new account). To get customer support for Remote Deposit Online support, we suggest you to contact at 877.270.1242.

If your concern is not related to new account opening or remote deposit online, get your query answered at General servicing questions support number 888.BUSINESS (888.287.4637).

If your query is related to merchant services, please call at 800.430.7161 to get dedicated support for Merchant Services of Bank of America. If you are customer of online banking of Bank of America, and have any query related to it, please call at 866.758.5972 to get support for Online Banking.

We strongly suggest you to call on 888.606.4545 for Intuit(R) Online Payroll support from Bank of America.

Bank of America Email Format and bankofamerica.com Emails

To contact any employee, officer, or executive of Bank of America, use our suggested email format, two successful and most used email formats are, firstname ‘.’ lastname, [email protected], Uses 89.2%, and firstlast,  [email protected], Uses 3.1%.

Related Article: Fannie Mae Headquarters Contact Details

Article last re-published on November 1, 2020.

Источник: https://headquartersof.com/bank-of-america-headquarters-address-and-contact-information/

Bank of America ends joint venture with Fiserv's First Data

By Reuters Staff

2 Min Read

(Reuters) - Bank of America Corp BAC.N said on Monday it would end its electronic payment services joint venture with First Data Corp next June, hours after Fiserv Inc FISV.O completed its acquisition of the payment processor.

The bank said it expects to incur a non-cash, pretax impairment charge of about $1.7 billion to $2.1 billion in the third quarter of 2019 due to the termination of the partnership started in 2009 .

The charge is expected to reduce the second-largest U.S. lender’s common equity tier 1 ratio, a key measure of capital against risk-weighted assets, by 9 to 11 basis points.

U.S. financial technology provider Fiserv announced the acquisition of First Data earlier this year, in a $22 billion all-stock deal.

Bank of America said here on Monday it and First Data had agreed to provide uninterrupted services to clients of Banc of America Merchant Services through at least June 2023.

Fiserv’s shares were down 1.5% at $103.10 in extended trading, while that of Bank of America’s were broadly unchanged.

Источник: https://www.reuters.com/article/us-bank-of-america-fiserv-idUSKCN1UO2BL

800 Number for Bank of America

How to call Bank of America: use the toll free number below to contact customer service for account help, bill pay, lost cards etc. When you call B of A, you will be asked the questions below.

Customer Service

1-800-432-1000
Check Balance, Lost Card, Open Account, Customer Service

  • This call may be recorded. Welcome to Bank of America
  • To get started, please say or enter your telephone access ID, or your card or account number. Or your Social Security Number or Tax ID, now.
  • Para el acceso en Español, marca nueve.
  • For Security, you must provide required information to speak with an associate or use our automated service.
  • If you need more time, say wait a moment, or press 1
    • In a few words, please tell me what you are calling about
    • Bill Pay: You can say something like ‘Make a Payment’ or ‘Forgot my Debit Card PIN’
    • ‘Make a payment’.
      • Okay, make a payment, please say or enter your full account number.
  • Lost/Stolen Card: To report something lost or stolen say ‘lost or stolen’ or press 9.
  • Otherwise to get you to the right associate, please choose one of the following options:
    • Personal Account: You can say ‘Checking or Savings’ or press 1.
      • You can say ‘Order Checks’ or press 1.
      • You can say ‘Request a Check Copy’ or press 2.
      • You can say ‘Search for a Check’ or press 3.
      • You can say ‘Verify a Deposited Check’ or press 4.
      • You can also say ‘Start Over’ or press star.
    • Business Account:You can say ‘Business’ or press 2.
      • OK, Business Account, I need to get more information before we continue. Please say or enter your full account number.
    • Credit:You can say ‘Credit Card’ or press 3.
      • OK, Credit Card Account Information, let’s try this another way. Say or enter your account number, or the nine-digit social security number.
    • Online: You can say ‘Online Banking’ or press 4.
      • Ok, online Banking, please choose one of the following:
      • If your experiencing issues enrolling or signing into online or mobile banking, say ‘Sign In’.
      • For recent activity, balance, or general account services, say ‘Account Services’.
      • For BankofAmerica.com or mobile bill payment issues, say ‘Bill Pay’.
      • For online or mobile banking transfers, say ‘Electronic Transfers’.
      • For help with third party accounting software, say ‘Software Help’.
      • To hear these options again, say ‘Repeat’.
    • Mortgage: You can say ‘Mortgage’ or press 5.
      • OK, Mortgage account, please hold while your call is transferred.
    • You can say ‘More Options’ or press 6.
      • You can say ‘Loan or Home Equity’ or press 1.
      • You can say ‘CD’ or press 2.
      • You can say ‘ IRA’ or press 3.
      • You can say ‘Brokerage’ or press 4.
      • You can say ‘Dispute a Transaction’ or press 5.
      • Or You can say ‘Something Else’ or press 6.
      • To return to the Main Menu say ‘Main Menu’ or press the star key.

source:https://www.bankofamerica.com/contactus/contactus.go?topicId=checking_savings

Dispute credit card transaction

1-888-809-7321

  • Thank you for calling cards services, please enter your account numbers. I am sorry I did not get your response.

Military Banking

1-800-334-1920

  • Welcome to bank of America, a military bank. Please enter your checking account number followed by the pound sign.
  • To hear all options available to you press the pound sign now
  • international and collect call operators please press pound and 0 for service.
  • To access information on your account for balance, account activity, transfer top payments, check reorders or other options press 1,
  • to open a new account or to apply for a credit card press 2,
  • for information regarding on line banking press 3,
  • if you know your parties extension press 4 now
  • for ATM or banking centers location press 5,
  • for information on your existing check card, ATM card or credit card or to report a lost or stolen check card, ATM card or credit card press 6
  • to speak with a customer service representative press 0.

Other Numbers

TTY/TDD: 1-800-288-4408

Existing Mortgages: 1-800-669-6607
hours: Monday–Friday 7 a.m.–7 p.m. Local Time

Home Equity: 1-800-934-5626
hours: Monday–Friday 7 a.m.–7 p.m. Local Time

Auto Insurance Services, Inc: 1-800-589-9202 (Sales & Service)
hours: Monday – Friday 8 a.m. – 10 p.m. ET

Benefit Solutions (HSA, FSA, HRA): 1-800-992-3200 (Sales)
hours: Monday–Friday 9 a.m.–6 p.m. ET

Borrowers Protection Plan: 1-866-317-5116 (Service)
hours: Monday–Friday 8 a.m.–8 p.m. ET

Credit Protection Plan: 1-877-523-0032 (Service)
hours: Monday–Friday 8 a.m.–11 p.m. ET, Saturday 9 a.m.–5:30 p.m. ET

Homeowners & Condo Insurance: 1-800-262-4240
hours: Monday–Friday 8 a.m.–10 p.m. ET

Home Warranty, Cross Country Home Services: 1-866-607-9778
hours: Monday–Friday 8 a.m.–10 p.m. ET; Saturday 9 a.m.–5:30 p.m. ET

Privacy Assist: 1-800-516-9561 (Service)
Monday–Friday 8 a.m.–11 p.m. ET
Saturday 9 a.m.–6 p.m. ET

Renters Insurance Services, Inc: 1-800-201-1711
Monday–Friday 8 a.m.–10 p.m. ET

Bank of America Term Life Insurance Services, Inc: 1-866-817-2836
hours: Monday–Friday 7 a.m.–8 p.m. CT

Auto, boat, RV Insurance: 1-800-215-6195
hours: Monday–Friday 9 a.m.–8 p.m. ET, Saturday 9:30 a.m.–6 p.m. ET

Small Business Online Banking Support: 1-866-758-5972 (Existing & New Accounts)
hours: Monday–Friday 7 a.m.–7 p.m. Local Time, Saturday 7 a.m.–4 p.m. Local Time

Источник: https://www.800-numbers.net/phone-number/bank-of-america/

Bank of America Merchant Services is the preferred processor for the IMDA and is pleased to offer all members access to a complete range of products and services for all your card processing needs.  Bank of America Merchant Services offers secure, convenient, cost-effective payment processing to better serve your customers and help grow your business.

Here are some of the top reasons to select Bank of America Merchant Services for your payment processing needs:

  • Fast access to funds - Access your credit card funds through your Bank of America business checking account as soon as the next business day.*
  • One-stop merchant solutions - Enjoy solutions including point-of-sale payments, internet and telephone payments, gift cards, no/low cost terminal agreements and point-of-sale alternatives.
  • 100% U.S.-based customer service and technical help desk calls 24/7 - A sudden question or an unexpected technical support need? Expert help is as close as the web or your phone.
  • Industry experience and dedication - As the number one-rated electronic payments processor in the industry**, we are here to help you succeed by providing the secure, convenient and cost effective payment processing solutions you and your customers expect.
  • Unrivaled reliability - Proven system up time of approximately 99.999% availability of front-end authorization service; provides dependable support and service even during the busiest times of year.

In addition, Bank of America Merchant Services is able to provide fleet processing—Wright Express® and Voyager®. And, if your current equipment does not support multiple applications they will provide you with a multi-application terminal free of charge. This will ensure you can take advantage of additional products and services like fleet processing and check verification services along with credit and debit card processing.


* After deposit of transactions. Must have a Bank of America Business Checking account. Exceptions may apply. Only valid on Visa®, MasterCard® and Discover® transactions.
** Based on bankcard, other credit, and PIN debit sales volume and transactions. Per The Nilson Report, March 2012, Issue 990.

© 2013 Banc of America Merchant Services, LLC. All rights reserved. All trademarks, service marks and trade names referenced in this material are the property of and licensed by their respective owners. Merchant Services are provided by Bank of America, N.A. and its representative Banc of America Merchant Services, LLC. Banc of America Merchant Services, LLC is not a bank, does not offer bank deposits, and its services are not guaranteed or insured by the FDIC or any other governmental agency.

IMDA Members, login for contact information.

Not a member?Click here to join now and take advantage of these PERKs!

Источник: https://imda.today/perk-partner-bank-of-america-merchant-services/

Bank of America ends joint venture with Fiserv's First Data

By Reuters Staff

2 Min Read

(Reuters) - Bank of America Corp BAC.N said on Monday it would end its electronic payment services joint venture with First Data Corp next June, hours after Fiserv Inc FISV.O completed its acquisition of the payment processor.

The bank said it expects to incur a non-cash, pretax impairment charge of about $1.7 billion to $2.1 billion in the third quarter of 2019 due to the termination of the partnership started in 2009 .

The charge is expected to reduce the second-largest U.S. lender’s common equity tier 1 ratio, a key measure of capital against risk-weighted assets, by 9 to 11 basis points.

U.S. financial technology provider Fiserv announced the acquisition of First Data earlier this year, in a $22 billion all-stock deal.

Bank of America said here on Monday it and First Data had agreed to provide uninterrupted services to clients of Banc of America Merchant Services through at least June 2023.

Fiserv’s shares were down 1.5% at $103.10 in extended trading, while that of Bank of America’s were broadly unchanged.

Источник: https://www.reuters.com/article/us-bank-of-america-fiserv-idUSKCN1UO2BL

The three paths to accepting card payments.

MERCHANT SERVICES 101:

How you accept credit and debit cards is a big decision that can cost you time and money. You can choose which breakdown you’d like depending on your appetite for information about merchant services and the amount of time you have.

The Video

Here’s a short video highlighting the ways you can begin accepting credit cards at your business.

A full walkthrough of getting started

What are merchant services?

Merchant services is a broad term that describes the hardware, software, services, and financial relationships needed for businesses to accept and process credit or debit card payments from their customers. Many types of entities are authorized to be merchant services providers, and they are sometimes known as merchant account providers, credit card processors, acquirers, acquiring banks, or processors. Businesses can accept credit or debit card transactions online, through a payment card reader, or with a point-of-sale system.

What is a merchant account?

A merchant account—aka merchant services account—establishes a business relationship with a merchant services provider, like a bank, and enables a business to accept debit and credit cards, Apple Pay and other contactless payments, eCommerce transactions, and more.

OPTION 1

The Bank

Your bank may feel like the logical place to go for merchant services and credit card processing. After all, you already have a relationship with them and trust them to help with your business needs. But when it comes to accepting payments at your business, your bank relationship may not mean as much as you think it does.

Here’s how it works. At your bank, you need to apply for a merchant account to accept credit cards.

Before applying, you need a business license. Applications for merchant credit card services can include credit histories, employment history, bank statements, and more. Plus, it may take several days or longer for your merchant account to be approved, depending on the type of business you have and your experience.

Once approved, your bank—depending on your business size or the bank’s size—may be able to help you directly with your merchant services needs, such as payment processing, card reader hardware, and other software like POS systems. More likely, the bank will refer you to an acquiring partner. That means that you’re no longer working directly with the bank that you thought you had a relationship with. Instead, you’re working with a third-party company that may be vetted by your bank but which you may not know that much about.

Whether you end up working with the bank or, more likely, a third-party acquiring partner, you’re going to end up with a “bundled” solution. This means that your payment processing, hardware, and software may be sold as one big package but are actually all from different companies. Sure, it may work in theory, but products made by different companies don’t always work together seamlessly. It’s highly likely that you’ll need additional support to get all the systems working together. You have to pay for that out of pocket. Plus, keeping all those systems working together over the long haul can mean lots of expensive maintenance.

Another thing to watch for is whether your bank- or acquiring partner–sourced credit card processor allows you to accept all major credit card brands. If not, you may need to apply to those networks separately.

Finally, you need to get all the different pieces certified as PCI compliant. If you’re ever found not to be PCI compliant, you could be subject to heavy fees and fines.

Now you can finally accept cards at your business, but what are the pros and cons of accepting payments through your bank?


OPTION 2

The ISO

Sometimes, you may find yourself on bank of america merchant services phone number radar of an independent sales organization, also bank of america merchant services phone number as an ISO. Most of the time, an ISO approaches you proactively. Other times, you may reach out directly to the ISO, finding one through either advertisements or by searching online. If you have a smaller bank that doesn’t have acquiring partners, the bank may even refer you to an ISO.

However you ended up in contact with an ISO, it may seem like a great option on the surface.

To start, you still need a merchant account. You may need to fill out a long application that includes manual credit checks, bank statements, and employment histories. A representative from the ISO will likely help you do this.

ISOs often advertise very low rates or inexpensive options, and you think that you’re getting a great deal on your merchant services or credit card processing.

But there’s a catch. While the credit card processing rates may seem low, you often find yourself hit with a bevy of additional fees. If you work with an ISO, you need to be very careful to have a full understanding of the terms of your contract and the fees that you may need to pay.

Like the bank of america merchant services phone number, the ISO bundles hardware, software, and credit card processing together from different companies. As with all bundled solutions, the payment processing, hardware, and software may work together in theory, but you’re likely to need additional support—which you have to pay for—to get all the systems working together.

Finally, you need to ensure that your end-to-end payments system is PCI compliant. Again, not being PCI compliant means you could be subject to heavy fees and fines.


OPTION 3

Square

You fill out an application in minutes.

The fully integrated system of hardware, software, and credit card processing works together seamlessly. Our software is PCI compliant at no extra cost to you bank of america merchant services phone number our hardware/readers have end-to-end encryption out of the box with no configuration required. And you don’t even need your own merchant account with Square.

You’re all set.

Want to learn more about accepting payments with Square?

Don’t take our word for it, ask them yourself.

Ask your ISO or separate suppliers the following to find out what you’re signing up for.
  1. What monthly fees are charged for the average merchant?
  2. Do you charge point-of-sale software fees, authorization fees, gateway fees, statement fees, chargeback fees, return fees, PCI-compliance fees, batch fees, early termination fees, international card fees, business card fees, or non-qualified fees? And on average, how bank of america merchant services phone number do those fees add up to in a month?
  3. How long do you hold transfers?
  4. How much does it cost to buy point-of-sale hardware?
  5. What is the average wait time for your customer service?
  6. What is the buyout cost of your hardware and card processing contracts?

Источник: https://squareup.com/us/en/payments/merchant-services

Review of Bank of America Merchant Services

If you’re looking for small business merchant services, you may want to consider established brands. There are more providers of merchant services than ever before, and if you’re already a Bank of America customer, it makes sense to consider Bank of America Merchant Services. But is it your best option?

What does Bank of America Merchant Services include?

Bank of America Merchant Services is a subsidiary of Bank of America and Fiserv (formerly First Data). Bank of America is a reseller of Fiserv, simply packaging and pricing its products rather than creating and selling its own.

Bank of America Merchant Services includes providing Clover products, e-commerce, card and check processing, mobile payment and payroll services.

Clover products

Bank of America Merchant Services gives you the option of integrating your point of sale (POS) system with its credit card processing. But if you need POS hardware or software, you will be choosing from Clover products.

If you’re looking for a tablet-based POS system, you can opt for the Clover Station, which includes the tablet, cash drawer, cables, receipt printer and printer paper. In short, it’s everything you need to get started.

If you’re looking for countertop terminals instead, Clover offers a number of options. Depending on bank of america merchant services phone number terminal, you amazon store card synchrony app enjoy including built-in printers, LCD touch screens, USB ports, encryption, integrated PIN pads and check readers.

e-commerce

If you accept payments online, BoA Merchant Services could be a big help. It bank of america merchant services phone number real-time authorization in transaction processing using the Compass Platform. Another option is the Global Gateway e4, a PCI compliant payment gateway that can integrate with your website.

Card/check processing

Bank of America Merchant Services will also allow your business to accept all major credit cards, including Mastercard, American Express, Visa, Discover, JCB and Diners Club. Most debit cards can be used as well.

TeleCheck, which allows you to accept checks electronically is also available. Additional security is provided by using one of two processing systems. The Verification option minimizes the risk of having checks returned. The Warranty option requires authorization, which helps reduce fraud. Both of these systems allow you to receive paper checks in addition to electronic checks.

Mobile payments

Bank of America Merchant Services offers Mobile Pay as a way to accept mobile payments. An Internet Mobile Pay System or a Mobile Pay app uses advanced security to keep your data protected. This feature helps protect against fraud and also allows you to send your customers a receipt through email.

Payroll services

BoA Merchant Services offers Money Network solutions for electronic payment for employees. This payment system complies with all state payroll requirements and features checks and cards that are widely accepted.

Bank of America Merchant services fees

Choosing the best merchant services solution for you often comes down to cost. And as you can probably guess, your costs will depend on your needs.

As a result, it’s tough to estimate your costs without discussing details with a Bank of American Merchant Services sales rep. Bank of American Merchant Services features are priced on a quote-basis, with your price varying based on your business needs.

While best drugstore bb cream for acne is difficult to come up with accurate estimates, you can count on fees for software and processing of credit cards.

Software fees

Standard software plans include:

  • Register: Starts at $39.95 monthly per device and $9.95 monthly for each additional device
  • Register Lite: Starts at $9.95 monthly per device
  • Payments Plus: Starts at $4.95 monthly per device
  • Counter Service Restaurant: Starts at $39.95 monthly per device and $9.95 monthly for each additional device
  • Table Service Restaurant: Starts at $69.96 monthly per device and $9.95 monthly for each additional device

Credit card processing fees

There are two processing rates depending on how you accept payments. The first option features a 2.7 percent fee per transaction that applies to dipped, tapped or swiped payments. However, a 3.5 percent fee plus $0.15 applies to transactions that use hand-keyed, phone, or Internet payments involving card no-present payments.

Pros of Bank of America Merchant Services

There are many benefits to choosing Bank of America Merchant Services, including:

  • Variety of solutions: BoA Merchant Services offers many options that may work for your business in processing payments.
  • Next-day deposits: Fast processing time is one of the primary advantages of choosing BoA Merchant Services. If you already bank with BoA, card payments can be accessed the following business day.
  • Preferred Rewards: Being a BoA client in addition to choosing BoA Merchant Services could entitle you to Preferred Rewards benefits, which include fee waivers, rewards bonuses on eligible business credit cards, cash rewards and rate discounts on services that may vary depending on the program tier.

Cons of Bank of America Merchant Services

Like any decision, there are some negatives aspects to consider. Here are some of the downsides of Bank of America Merchant services:

  • Terminal lease contracts: Terminal leasing seems unnecessary, and some merchants have reported inadvertently signing a noncancelable terminal lease.
  • Lack of transparency: There is limited information about the program’s costs available on the Bank of America website, making it tough city of edmond municipal court determine the costs of implementing Merchant Services.
  • Hidden fees and high fees: Some Merchant Services clients say the program has higher fees compared to competitors, and some have claimed fees were not properly disclosed.

Bank of America Merchant Services vs. QuickBooks

If you’re like many small business owners, you use QuickBooks to keep track of your finances. If so, QuickBooks POS is a viable alternative to Merchant Services. It works with your current accounting software to make tracking your revenue extremely convenient.

There are three packages available for QuickBooks POS:

  • Multi-Store Plan: Starts at $1,900 and allows you to manage and transfer inventory across multiple stores and conduct advanced reporting.
  • Pro Plan: Starts at $1,700 and features basic point of sales capabilities, employee and payroll management, layaway capabilities and advanced reporting.
  • Basic Plan: Starts at $1,200 and facilitates basic point of sale functions.

How does Bank of America Merchant Services stack up?

Overall, it is difficult to recommend Bank of America Merchant Services. A company this large should do better than simply repackaging another company’s products at high prices. Given its high prices, lack of transparency and expensive leases on equipment, BoA Merchant Services can be a very costly option for small business owners.

Источник: https://www.bankrate.com/finance/credit-cards/bank-of-america-merchant-services-review/

800 Number for Bank of America

How to call Bank of America: use the toll free number below to contact customer service for account help, bill pay, lost cards etc. When you call B of A, you will be asked the questions below.

Customer Service

1-800-432-1000
Check Balance, Lost Card, Open Account, Customer Service

  • This call may be recorded. Welcome to Bank of America
  • To get started, please say or enter your telephone access ID, or your card or account number. Or your Social Security Number or Tax ID, now.
  • Para el acceso en Español, marca nueve.
  • For Security, you must provide required information to speak with an associate or use our automated service.
  • If you need more time, say wait a moment, or press 1
    • In a few words, please tell me what you are calling about
    • Bill Pay: You can say something like ‘Make a Payment’ or ‘Forgot my Debit Card PIN’
    • ‘Make a payment’.
      • Okay, make a payment, please say or enter your full account number.
  • Lost/Stolen Card: To report something lost or stolen say ‘lost or stolen’ or press 9.
  • Otherwise to get you to the right associate, please choose one of the following options:
    • Personal Account: You can say ‘Checking or Savings’ or press 1.
      • You can say ‘Order Checks’ or press 1.
      • You can say ‘Request a Check Copy’ or press 2.
      • You can say ‘Search for a Check’ or press 3.
      • You can say ‘Verify a Deposited Check’ or press 4.
      • You can also say ‘Start Over’ or press star.
    • Business Account:You can say ‘Business’ or press 2.
      • OK, Business Account, I need to get more information before we continue. Please say or enter your full account number.
    • Credit:You can say ‘Credit Card’ or press 3.
      • OK, Credit Card Account Information, let’s try this another way. Say or enter your account number, or the nine-digit social security number.
    • Online: You can say ‘Online Banking’ or press 4.
      • Ok, online Banking, please choose one of the following:
      • If your experiencing issues enrolling or signing into online or mobile banking, say ‘Sign In’.
      • For recent activity, balance, or general account services, say ‘Account Services’.
      • For BankofAmerica.com or mobile bill payment issues, say ‘Bill Pay’.
      • For online or mobile banking transfers, say ‘Electronic Transfers’.
      • For help with third party accounting software, say ‘Software Help’.
      • To hear these options again, say ‘Repeat’.
    • Mortgage: You can say ‘Mortgage’ or press 5.
      • OK, Mortgage account, please hold while your call is transferred.
    • You can say ‘More Options’ or press 6.
      • You can say ‘Loan or Home Equity’ or press 1.
      • You can say ‘CD’ or press 2.
      • You can say ‘ IRA’ or press 3.
      • You can say ‘Brokerage’ or press 4.
      • You can say ‘Dispute a Transaction’ or press 5.
      • Or You can say ‘Something Else’ or press 6.
      • To return to the Main Menu say ‘Main Menu’ or press the star key.

source:https://www.bankofamerica.com/contactus/contactus.go?topicId=checking_savings

Dispute credit card transaction

1-888-809-7321

  • Thank you for calling cards services, please enter your account numbers. I am sorry I did not get your response.

Military Banking

1-800-334-1920

  • Welcome to bank of America, a military bank. Please enter your checking bank of america merchant services phone number number followed by the pound sign.
  • To hear all options available to you press the pound sign now
  • international and collect call operators please press pound and 0 for service.
  • To access information on your account for balance, account activity, transfer top payments, check reorders or other options press 1,
  • to open a new account or to apply for a credit card press 2,
  • for information regarding on line banking press 3,
  • if you know your parties extension press 4 now
  • for ATM or banking centers location press 5,
  • for information on your existing check card, ATM card or credit card or to report a lost or stolen check card, ATM card or credit card press 6
  • to speak with a customer service representative press 0.

Other Numbers

TTY/TDD: 1-800-288-4408

Existing Mortgages: 1-800-669-6607
hours: Monday–Friday 7 a.m.–7 p.m. Local Time

Home Equity: 1-800-934-5626
hours: Monday–Friday 7 a.m.–7 p.m. Local Time

Auto Insurance Services, Inc: 1-800-589-9202 (Sales & Service)
hours: Monday – Friday 8 a.m. – 10 p.m. ET

Benefit Solutions (HSA, FSA, HRA): 1-800-992-3200 (Sales)
hours: Monday–Friday 9 a.m.–6 p.m. ET

Borrowers Protection Plan: 1-866-317-5116 (Service)
hours: Monday–Friday 8 a.m.–8 p.m. ET

Credit Protection Plan: 1-877-523-0032 (Service)
hours: Monday–Friday 8 a.m.–11 p.m. ET, Saturday 9 a.m.–5:30 p.m. ET

Homeowners & Condo Insurance: 1-800-262-4240
hours: Monday–Friday 8 a.m.–10 p.m. ET

Home Warranty, Cross Country Home Services: 1-866-607-9778
hours: Monday–Friday 8 a.m.–10 p.m. ET; Saturday 9 a.m.–5:30 p.m. ET

Privacy Assist: 1-800-516-9561 (Service)
Monday–Friday 8 a.m.–11 p.m. ET
Saturday 9 a.m.–6 p.m. ET

Renters Insurance Services, Inc: 1-800-201-1711
Monday–Friday 8 a.m.–10 p.m. ET

Bank of America Term Life Insurance Services, Inc: 1-866-817-2836
hours: Monday–Friday 7 a.m.–8 p.m. CT

Auto, boat, Bank of america merchant services phone number Insurance: 1-800-215-6195
hours: Monday–Friday 9 a.m.–8 p.m. ET, Saturday 9:30 a.m.–6 p.m. ET

Small Business Online Banking Support: 1-866-758-5972 (Existing & New Accounts)
hours: Monday–Friday 7 a.m.–7 p.m. Local Time, Saturday 7 a.m.–4 p.m. Local Time

Источник: https://www.800-numbers.net/phone-number/bank-of-america/

Merchant Services

Everything you need to accept every kind of paymentEverything you need to accept every kind of payment

The Frost Merchant Services partnership with Clover allows us to offer you a variety of point of sale systems and solutions. With Clover, your customers can pay the way they want to pay—from credit cards and gift cards to contactless payments such as Apple Pay® and Google Pay&trade. In addition, business-building tools and resources are available to help you streamline operations. You can also choose features to do things like take orders, organize inventory and build loyalty programs. And because we have the latest technology in security, you’ll have peace of mind knowing that your customers’ data is protected with every transaction.

Let’s talk about finding the right point-of-sale solution that will help you achieve your business goals.

REQUEST CALL

Or call us at (800) 513-7678.

Point of Sale (POS) Systems & Solutions


 

We offer a wide range of POS solutions, including a simple option for your mobile phone and a more powerful system for your countertop. Whether your employees need to take payments after completing repairs on a customer’s home or as customers wait in line at a quick-service restaurant, we’ve got you covered. And each Clover system can be purchased or leased.

See POS options »


Why Businesses Choose Clover

Create employee accounts, track shifts and set permissions to prevent fraud and theft.

Engage your customers

Set up a loyalty program to encourage repeat business, access built-in marketing tools or offer a gift card program to help drive sales.

Get customized sales analysis, view customer spending patterns, track inventory and see how you compare to the competition.

View detailed reports

The Clover Dashboard lets you monitor sales, refunds and more in real time from any device. Plus, you can easily export reports for payroll, taxes and accounting.

Protect your business and your customers’ data.

There’s nothing more important than making sure your customers’ information is safe and secure. With end-to-end encryption and data tokenization, you can rest easy knowing that cardholder data is protected by the latest security technology.

Let’s talk about finding the right POS solution for your business needs.

REQUEST CALL
 

Call us at (800) 513-7678.

Protect your business and your customers’ data.

There’s nothing more important than making sure your customers’ information is safe and secure. With end-to-end encryption and data tokenization, you can rest easy knowing that cardholder data is protected by the latest security technology.

Let’s talk about finding the right POS solution for your business needs.

REQUEST CALL
Call us at (800) 513-7678.
Источник: https://www.frostbank.com/business/banking/cards/merchant-services