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Bank of America Mobile Pay

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Bank of America Mobile Pay Review

    Melissa Johnson

Advertiser Disclosure: Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity.
Date Established
Charlotte, NC
Melissa Johnson

Melissa Johnson

Expert Analyst & Reviewer
Melissa Johnson has been writing about payment processing and mobile payments since 2014, and has been quoted in articles for Credit Karma and The Next Web, among others. She graduated from The University of Kansas in 2010 with bachelor's degrees in English and journalism.

We've done in-depth research on each and confidently recommend them.

We've done in-depth research on each and confidently recommend them.

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Responses are not provided or commissioned by the vendor or bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the vendor or bank advertiser. It is not the vendor or bank advertiser's responsibility to ensure all posts and/or questions are answered.

    B K

    BOA Mobile Pay combined with Merchant Services is the worst!!! When I signed up with merchant services none of these charges and fees were mentioned such as the over $100 annual fee, a 3 year contract and a $500 termination fee except the swipe fees. I signed up with BOA business checking online and was told as long as I have a merchant account there wasn’t a fee for the BOA business checking account. So BOA is deducting $15 a month from my account. Business is slow so I’m paying them more money than I can afford. FIND SOMEONE ELSE TO DO BUSINESS WITH OR YOU WILL BE STUCK LIKE I AM!!!!

    Jacqueline Volpe

    Horrible service, horrible app. I would never ever recommend it to anyone. All it has been doing is draining my account from fees. Stuck with the 3 year contract for something that I never use because it’s worthless. They convinced me that they were better than PayPal. Well at least with PayPal the app works and there are more features. Moreover, PayPal is easier to use. I can rarely use the BOA merchant services since the app never seems to work. It constantly was stalling and I could not process cards. I am a single person business and work at fairs where there is not a wifi connection and/or weak cell service. Not sure if the lack of a strong connection was the reason for the stall. But, have used the PayPal Here swiper in the exact same locations and it worked like a charm. Called BAMS to tell them it does not suit my purposes and doesn’t work. They said maybe it’s the slider. Also told them my sales volume does not justify the fees and asked if they could help me find another solution. Perhaps the on demand service would of been better. Said they’d look into it and get back to me. Never heard from them again. Like others that have written reviews I have been a BOA personal and business customer for years who trusted them and have been very disappointed with this product and BAMS customer service. Stay away. I cannot wait until the agreement runs out and will forever feel like I have been swindled by BOA.

    Carolyn's Hair Design

    Do not go with Bank of America Mobile Pay! I have been a customer of Bank of America for 23 years. I have my personal accounts along with my business, credit cards and merchant services with them. They enticed me to move my merchant services over to them 2 1/2 years ago promising the lowest fees. That lasted a year and all of the sudden my fees were going up and up. Running the same amount of money the second year I was charged over $600 more in fees. Now an extra $26 a month has been added on top of that. My representative tried talking to the retention department after I threatened to pull all of my accounts with them and leave. They said that’s fine. WOW! That’s what I get after 23 years of loyalty.


    Will this work on iphone 6??

    David Barnes

    Does this service comply with the PCI stuff?

    Tom DeSimone

    Hi David,

    Yes, Bank of America Mobile Pay takes care of the PCI stuff with their payment gateway (no extra charge). The card data is funneled straight through their gateway and is never stored on your phone, so you don’t have to worry about PCI compliance.



    Mobile Pay combined with Merchant Services is the worst!!!Not to mention that I have been since August 2013 with the service and since March 2014 they started charging me a 9.99 fee for “Monthly pay Monthly fee”. I have been for hours in customer service to check this fee and nobody has been able to help me. Does anyone else gets charge a mobile pay fee for 9.99?


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Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity. The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.

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