For e-commerce businesses, cash flow is everything. Waiting days for deposits can stall growth, delay orders, and limit the ability to reinvest in advertising and inventory. That’s why BAMS, a top-rated merchant services provider, has become an industry leader in same-day funding, helping merchants increase profit, decrease costs, and keep their operations moving at full speed.
In this interview with Xplode Marketing, we sit down with Dimitri Akhrin, President of BAMS, to discuss how accelerated funding empowers online merchants, what sets BAMS apart in the payments space, and why fast access to funds has become one of the most important advantages in e-commerce today.
Q1: Dimitri, BAMS is known for transparency and technology, but lately, same-day funding has really become one of your flagship offerings. Why is fast access to funds so important for e-commerce merchants?
Dimitri Akhrin: You hit the nail on the head, cash flow is the heartbeat of every business, especially in e-commerce. Merchants live in a fast-moving world where inventory turns quickly, ads run in real time, and customer demand can spike overnight. If they’re waiting two or three days to access their sales deposits, that delay can become a real bottleneck.
Same-day funding solves that. It lets merchants immediately reinvest in advertising, replenish stock, or pay vendors without interruption. That kind of liquidity keeps momentum going. We like to say: You worked hard for the sale, why wait to get paid?
At BAMS, we built our same-day funding program from the ground up to make it reliable, transparent, and affordable. It’s not a gimmick, it’s a core part of how we help our clients grow.
Some processors advertise “fast funding,” but the fine print often tells another story. How is BAMS’s same-day funding different?
Dimitri Akhrin: That’s an excellent point. A lot of companies use the term “fast funding,” but it often means “faster than average,” not truly same-day. There might be hidden cut-off times, delayed batches, or inflated fees.
At BAMS, our same-day funding is exactly what it sounds like, merchants get access to their funds the same business day. It’s automatic, predictable, and supported by real human expertise. We monitor the process in real time, so if there’s ever a delay or anomaly, our support team proactively reaches out.
The other difference is cost transparency. We don’t bury fees in the statement. Merchants know exactly what they’re paying and what they’re getting. That level of honesty builds trust, and trust keeps clients with us for the long haul.
From Xplode Marketing’s perspective, many of our clients are e-commerce brands that rely on speed and reinvestment. How have you seen same-day funding impact the performance and profitability of clients like these?
Dimitri Akhrin: The impact is enormous. When merchants have immediate access to cash, they can take advantage of opportunities that would otherwise pass them by.
Imagine you’re running an ad campaign that’s performing exceptionally well. If you’re waiting for yesterday’s deposits, you might miss the window to double down. But with same-day funding, you can reinvest instantly and maximize ROI. We’ve seen clients grow their revenue by 10–20% simply because they can scale faster without waiting on payouts.
It also gives peace of mind. Business owners don’t have to worry about whether funds will clear in time for payroll or supplier payments. That confidence translates into smarter decisions, better customer service, and stronger long-term growth.
Beyond funding speed, what do you think differentiates BAMS from other merchant service providers in the market today?
Dimitri Akhrin: What really sets us apart is our combination of speed, transparency, and service. Many processors can offer one or two of those, but rarely all three.
Our IRIS reporting platform gives merchants full visibility into every transaction, funding timeline, and deposit status. There’s no mystery. Our pricing model is straightforward, with a competitive rate guarantee. And most importantly, we back it up with real people who know the payments industry inside and out.
We don’t just process transactions, we build partnerships. We’re invested in helping merchants succeed because their success is our success. That’s the BAMS difference.
Looking ahead, how do you see same-day funding evolving, and how will BAMS continue to lead the charge?
Dimitri Akhrin: I think same-day funding is going to become the new standard, not a premium feature. Merchants will expect it by default, the same way they expect online access or next-day shipping.
At BAMS, we’re continuing to refine our systems to make funding even faster, even more reliable, and even easier to integrate across platforms. We’re also working to expand visibility so that more merchants, from startups to enterprise e-commerce brands, can take advantage of it without jumping through hoops.
Our goal has always been simple: help merchants increase profit and decrease costs through smarter, faster payments. Same-day funding is one of the most powerful tools in achieving that mission, and we’re proud to lead the industry forward.
Thank you, Dimitri, for sharing your insights into how BAMS’s same-day funding is helping e-commerce businesses thrive in an always-on economy. For merchants looking to scale quickly, maintain cash flow, and stay competitive, BAMS’s commitment to speed, transparency, and partnership offers exactly the kind of advantage today’s digital marketplace demands.
