Providing Merchant Services and Business Solutions to Support our Clients and Strengthen our communities.

While other merchant service providers claim to give you the lowest processing rate, we guarantee that we will save you money each month, or we will write you a check for $1000.

Credit Card Processing

Bay State Merchant Services provides affordable credit and debit card processing with free equipment and low rates.

Learn More

Dual Pricing

With “no fees processing”, you can begin to reward cash customers, and likely see an increase in cash paying customers.

Learn More

eCommerce Solutions

Businesses that are online or “card-not-present”, must have a quick and safe way for their customers to make online payments.

Learn More

Merchant Financing

Financing solutions for merchants that can be paid automatically through their merchant services account.

Learn More

Credit Card Processing

Bay State Merchant Services provides affordable credit and debit card processing with free equipment and low rates.

Learn More

Dual Pricing

With “no fees processing”, you can begin to reward cash customers, and likely see an increase in cash paying customers.

Learn More

eCommerce Solutions

Businesses that are online or “card-not-present”, must have a quick and safe way for their customers to make online payments.

Learn More

Merchant Financing

Financing solutions for merchants that can be paid automatically through their merchant services account.

Learn More

Bay State Merchant Services takes the time to learn your business – we’re in it for the long-haul with you.

Years in Business

In Payments Processed Annually

Merchants Served

Bay State Merchant Services guarantees the lowest available rate for accepting payment cards

Bay State Merchant Services company provides affordable credit/debit card processing to businesses and organizations on Cape Cod, the Southcoast  and all of New England for more than 25 years. Our merchant services company in Massachusetts believes in our communities and provides business solutions for our local companies while celebrating their entrepreneurial spirit, work ethic and contributions to our local economies.

We provide solutions so our clients can focus on what they do best.

Credit Card Processing

vLoyalty

vLoyalty combines the power of payments, card-linking loyalty and promotions, and text messaging to help companies easily enroll, engage, know and reward customers, driving repeat visits and new sales.

Learn more

Choosing the Right Point Of Sale System for Your Needs

Bay State Merchant Services offers a variety of point of sale systems (POS). Our Certified Payment Professionals can help you choose the right tools based on your type of business and industry needs.

Your title goes here

Your Clover point-of-sale (POS) system makes running your business a breeze. Take orders and accept payments. Organize inventory and manage your team.

Your title goes here

SkyTab POS is a next-gen restaurant platform packed with cutting-edge technology

Your title goes here

Lightspeed is the advanced commerce platform for high-performing businesses worldwide.

Your title goes here

Valor terminals have the ability to show all the transactional information for customers to see, including any additional customized information.

Your title goes here

Goji Kiosks provide a self ordering kiorsk with POS integration.

We Make Switching Easy!

Consultation

Our merchant services company has certified payment professionals who take the time to understand your business and your need to offer the best solutions.

Statement Analysis

We perform a thorough analysis of merchant statements for businesses and take the time to explain your current rates and fees.

We pay your cancellation fees

Does your current provider charge a termination fee? Don't worry, we will pay your termination fee for you. 

Free Equipment

We offer free POS equipment with no lease agreements to all of our new clients to help make switching easier! 

Custom Solutions

Customized solutions for integrating the Harbortouch POS System at your business with your current accounting or business software applications.

Dedicated Account Manager

You receive top-notch customer service from your LOCAL rep to ensure a smooth transition and long-lasting relationship.

Our Partners

Our extensive network of partners allows us the flexibility to provide solutions that meet your needs, and ensure our clients receive the best possible rates.

Merchant Spotlight

We love our merchants, and we thank them for their entrepreneurial spirit, work-ethic, and the boost that they give to their local economies. We believe that helping to promote their business is just another way that we at Bay State Merchant Services can express our gratitude for all that they do for the community.

Get Featured

What Merchants Are Saying

Reviews From Google

Bari Bloch

I have been using Paul at Bay State Merchant Services now for about 6 months and I’m sorry I did not make the switch sooner! Paul has been tremendously instrumental in making sure my operations are always up and running. He even brings me paper when I run out in my cc machine!! Highly recommend Bay State Merchant Services for your credit card processing needs!

Jeffrey Madeira

Choosing Bay State Merchant Service was one of the best decisions for our business. Their system is incredibly user-friendly, and the setup was seamless. The customer support team is exceptional; they're always quick to respond and resolve any issues we have. Katherine is great to work, and recommend them to everyone!

Stephanie Whalen

Bay State Merchant Services by far is the most professional company I've worked with. Katherine is so knowledgeable in the latest processing products for your company. I haven't run into any problems. Their service department was so understanding and walked me through my question. I gave them a 5 star review would have given them 10 stars if they had that option.

Kaylen Duquette

We've been using Bay State Merchant Services at Turk's Seafood for several years and have been very happy with their service. Our rep, Katherine, is always very fast to respond to any questions or concerns we have and the whole team has always been helpful when implementing new machines and changes. They have lots of different offerings and have done well at adapting to our changing needs over the years.

Nicholas Pereira

We just recently left our long time merchant company for card readers due to poor hardware and high fees. We found Bay State Merchant Services online and decided to go with them. It was the best decision we made for our credit/debit card readers! They were fast and efficient in installation, as well as modernizing our equipment with mobile card readers which have been very helpful! On top of everything else, their fees are low. We have fully enjoyed our experience with Bay State!

Eric Dancause

How refreshing to be a part of local professionals in the processing industry with consistent service,quality and best pricing....Kathy has seamlessly taken the family helm and we look forward to many years of further teamwork...

Speak with one of our LOCAL consultants

Set up a time to speak and meet with one of our local Certified Payment Professionals for a complimentary consultation.

Contact Us