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Bank of America

AllProPay vs Bank of America

An honest, side-by-side look using each provider's publicly published pricing. Bank of America Merchant Services keeps payments with the bank you may already use. Here is where each one fits, and what you actually pay.

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Side by side

Published rates and terms. Verify current pricing on each provider's site.

AllProPay vs Bank of America Merchant Services, based on publicly published standard pricing as of June 2026.
 AllProPayBank of America Merchant Services
Pricing modelThree programs: Dual Pricing, interchange-plus, or AllPro Rebate. We recommend the one that fits after going over your statement with you.Bank merchant services. A flat rate is published for some, but plans and statements are often tiered and quoted per business.
Published in-person rateBased on your statement. We show you the number.2.65% + 10¢ for swipe, dip, or tap.
Other ratesSet by the program that fits your business. We show you the math.Vary by merchant and plan; quoted per business.
Can you see your true cost?Yes. Every fee is itemized.Often hard to read. Bank statements can be complex and tiered.
Contracts or cancellation feesNone.States no long-term contracts and no early termination fee for most businesses. Confirm your own agreement.
Free review of your current feesYes, no obligation.Not offered.
SupportA real person who knows your account.Bank support, often through a queue.
Best forOwner-operated businesses taking payments in person and online.Businesses that want to keep payments with the bank they already use.
SetupWe set it up and help you switch with no downtime.Set up through the bank.

When Bank of America is the right call

Bank of America Merchant Services is genuinely convenient if you want to keep payments with the bank you already use. One institution for banking and card acceptance can simplify things, and Bank of America states no long-term contracts and no early termination fee for most businesses. If keeping everything under one bank matters most to you, Bank of America may be the right fit, and we’ll tell you so.

Where AllProPay fits better

Banking convenience is real, but bank merchant statements are often hard to read and support runs through a queue, so it can be difficult to know what you actually pay. AllProPay goes over your statement with you, offers Dual Pricing, interchange-plus, or AllPro Rebate, whichever fits your business, and gives you a direct line to a real person who knows your account.

One $100 debit tap, two receipts: $2.75 with Bank of America's published rate vs $0.77 with AllProPay interchange-plus Two receipts for the same $100 debit card tap, headed by the comparison $2.75 vs $0.77. Bank of America's published in-person rate of 2.65% plus 10 cents gives a $2.75 processing fee, the same fee a premium rewards card would pay. The AllProPay receipt lists the sale of $100.00, debit, tapped; the card cost for a big-bank debit card, $0.27; our markup at an example 0.50%, $0.50; and a fee on this sale of $0.77. Example: a debit card from a large bank, where the Federal Reserve caps the card cost at 21 cents plus 0.05% plus 1 cent. Cards from smaller banks cost more. Your markup is on your proposal. Illustration, not a quote. Bank of America 2.65% + 10¢ $2.75 2.65% of $100 is $2.65, plus 10¢ Published standard pricing as of June 2026. $0.27 Our markup (example 0.50%) $0.50 $0.77 27¢ card cost, plus 50¢ markup ONE $100 DEBIT TAP Same sale, same everyday debit card. Two ways to price it. vs Fee on the same $100 debit tap Published flat rate vs interchange-plus, with an example markup. FLAT RATE Published in-person rate Sale $100.00 Card Debit, tapped Rate Processing fee The same fee a premium rewards card would pay. INTERCHANGE-PLUS AllProPay Follows the real cost of each card Sale (debit, tapped) $100.00 Card cost (interchange, big-bank debit) Fee on this sale A rewards card costs more. You see how much. SAME FEE, ANY CARD Debit costs less to accept A flat rate charges the same price on a cheap debit card as on a premium rewards card, so you cannot see what you actually pay. It depends on your card mix and how you sell. Interchange-plus shows you the true card-brand cost plus a clear, fixed markup. Verify current pricing on each provider's site. AllProPay side: illustration, not a quote. Example: a debit card from a large bank, where the Federal Reserve caps the card cost at 21¢ + 0.05% + 1¢. Cards from smaller banks cost more. Your markup is on your proposal. Illustration, not a quote. LEGEND One flat rate, every card Real cost of the card, set by the banks Fixed markup, the part you compare

Common questions

Is AllProPay cheaper than Bank of America Merchant Services?
It depends on your card mix and how you sell. Bank of America publishes an in-person rate around 2.65% + 10 cents, but plans and statements are often tiered and quoted per business, so it can be hard to see what you actually pay. AllProPay offers Dual Pricing, interchange-plus, or AllPro Rebate, whichever fits your business, and shows you the math on your statement. The honest way to know is a free statement review of your current fees.
Does Bank of America lock you into a contract?
Bank of America states no long-term contracts for most businesses and no early termination fee for most. Confirm the terms in your own merchant agreement. AllProPay has no contracts and no cancellation fees either, with every fee named and explained.
Should I keep payments with my bank if I already use Bank of America?
If keeping payments with the bank you already use matters most, Bank of America is a reasonable choice and we’ll tell you so. If you want a statement you can actually read, a pricing program that fits your business (Dual Pricing, interchange-plus, or AllPro Rebate), and a direct line to a real person, AllProPay is often a better fit. Pricing changes, so verify current rates.

The honest way to compare

Send us one recent statement. We’ll show you exactly what you pay now and whether switching makes sense. If it doesn’t, we’ll tell you that too.

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