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Learn about Merchant Services

  1. Learn about hardware

  1. American Express Direct

    An overview of American Express Direct, how to add it to your account, and how transactions, statements and tax reporting will differ

  2. American Express OptBlue Business Resources

    How to access business resources such as signage and other tools and resource information from American Express

  3. Electronic Benefits Transfer (EBT) Overview

    Overview of EBT card acceptance

  4. Flexible Spending (Flex Spend) Card Payments

    How to accept Flexible Spending Account (FSA), Health Savings Account (HSA), and Health Reimbursement Arrangements (HRA) card payments

  5. International Credit Card Transactions

    How to run a transaction for a credit card with an international billing address

  6. MCC 5723 Guns and Ammunition

    Learn about the Guns and Ammunition Merchant Category Code (MCC)

  7. Merchant Services Credit and Debit Networks Supported

    An overview of the credit and debit networks supported by Merchant Services

  8. Product Guide

    Bank of America's current terms for usage of products and services used in connection with Merchant Services provided by the bank

  9. Settlement Process

    An overview of the settlement process for your merchant account, including funding timing, transaction sweep, and terminal batch out

  10. Surcharge and Convenience Fees

    Overview of surcharge and convenience fees and rules for merchant use

  11. Virtual Terminal Level II Card Transactions

    Overview of Level II cards and option to use Virtual Terminal to enter Level II card data