Every fee itemized. Every rate explained. No blended pricing, no guessing games, just a clear comparison and a free look at your current statement.
ACH
Interchange is set by Visa and Mastercard: nobody controls that. What varies is the markup on top, and most statements bury it. We separate the two, so you can see exactly what's negotiable and what isn't.
Modern terminals with full EMV, tap-to-pay, and PIN debit support, compatible with most POS setups, and installed in a day, not a week.
A secure gateway that plugs into your website or invoicing without extra engineering.
Built to card-network security standards.
Encrypted from swipe, tap, or click to settlement.
Monitoring and dispute assistance included.
One person to call, every time.
Pre-authorize a deposit at booking and settle the real total at checkout, without double-charging a guest's card.
Compatible with the property management systems most small hotels and inns already run, no rip-and-replace.
Chargebacks from no-shows and cancellations are common in hospitality. We help you respond with the right documentation.
What you're actually paying today, blended across your real card mix, not a headline rate.
Interchange versus markup, itemized line by line, in plain language.
A real number next to your current one, not a teaser rate that changes later.
Whether your current terminals or PMS integration carry over, or what changes.
Worth switching or not, we'll say so plainly, either way.
Free, no card required. Request a review above and we'll follow up with next steps.
A hotel charge moves through more steps than a retail purchase, and each one asks for data a normal swipe never sends.
One or two recent months from any current processor. That's all we need to start.
We break your current effective rate down next to ours, line by line, no jargon.
Fast approval on qualifying accounts. Next-day funding starts immediately.
In plain terms: whenever a customer pays with a card instead of cash, that payment has to travel from their bank to yours before it shows up in your account. A payment processor is the company that handles that trip: running the transaction, checking it's valid, moving the money, and depositing it into your business bank account. The rate you're quoted is simply the fee for handling that trip.
No. We coordinate the cutover so there's no gap: your new setup is tested and confirmed working before your old account is closed.
Nothing. Send a recent statement and we'll show you the comparison. There's no obligation to switch.
Typically next-day on qualifying accounts, so cash flow isn't stuck waiting on your processor.
Yes. Alongside in-store terminals and mobile readers, we support a secure online payment gateway that plugs into your website, online store, or invoicing, so you can take cards in person and online through the same processor and see it all on one statement.
We work with businesses nationwide, offering the same transparent pricing and hands-on support wherever you're located.
Based on common processor setups; your comparison is confirmed during the free statement review.
The stories below are illustrative, written from the kinds of situations we see across AMS merchants.
Hospitality
A high-volume counter-service café wanted predictable next-day deposits and a rate they could explain to their business partner. We broke down interchange vs. markup and moved their busiest volume to next-day funding.
Retail
After years on a legacy blended rate, this storefront wanted itemized statements and hardware that supported tap-to-pay out of the box. We matched their ticket size and swapped their PIN pad the same week.
Professional Services
Lower, spikier monthly volume meant this studio was overpaying on a rate built for high-volume retailers. We right-sized their pricing tier and added a mobile reader for off-site appointments.
A plain-language breakdown of the part of your statement nobody explains.
What to look for on your statement before your next renewal date.
What it actually requires of a small business, and what we handle for you.
Why the chip exists, and what it actually protects you from.
What triggers one, and the steps that give you the best shot at winning it.
What's actually happening when a customer taps their card or phone.
It was the first time anyone actually explained what we were paying for, instead of just quoting us a rate and hoping we wouldn't ask questions.
Free, no-obligation statement review. Most business owners are surprised by what they find.
Send a recent statement if you have one, or just fill this out. Either way, you'll hear back within one business day with a real comparison, not a sales pitch.
Someone from AMS will reach out within one business day. If it's urgent, call (800) 214-4282.