Bay State Merchant Services

Bay State Merchant Services Providing Competitive and Honest Merchant Services with Excellent Customer Service

We are committed to providing you, our customer, with honest merchant processing at very competitive rates. If you are approached by someone offering you a deal that sounds too good to be true, call us and we will analyze that offer based upon the actual history of your processing experience, not by guessing. We are confident in our ability to be competitive, and we will show you the results in a

side-by-side comparison. If, during the term of your current Merchant Processing Agreement with us, you receive a legitimate written offer, which offer includes all applicable rates, fees, and charges, including without limitation, monthly fees, discount fees, surcharges, per item fees, etc., that would result in you paying less per month for your credit card processing, we will meet or beat that offer, or pay you $100.

** Our Mission is to be our customers’ last processor, by offering the lowest rates plus free equipment and setup. All of our customers, no matter the size of their business, are assigned a local representative who is available seven days a week, assuring the highest level of customer service. Our merchants receive annual rate reviews to ensure that they receive the lowest possible costs.

06/15/2026

🌟 Meet Francine! 🌟

Francine is part of the D3 crew, when it comes to being creative, she knows what to do!

Francine recently designed our brand-new D3 Builders yard sign, making it easier than ever to connect with us. Simply scan the QR code, visit our website, or give us a call to learn more about our services.

Whether you’re looking for roofing, siding, repairs, or a complete exterior transformation, D3 Builders is ready to help. We pride ourselves on quality craftsmanship, honest communication, and customer service that puts our customers first.

📞 Give us a call today for a free estimate 774-327-2941.

🏠 Roofing • Siding • Exterior Renovations

🎖 We proudly offer either a Military Discount or a Senior Discount as our way of saying thank you for your service and support.

Give the sign a scan, give us a call, and let D3 Builders help bring your next project to life!

05/06/2026

The Quahog Republic partners with Bay State Merchant Services and sees immediate results—unlocking a $15,000 bonus while significantly reducing their credit card processing costs. See how the right payment solution can improve cash flow, eliminate unnecessary fees, and create real financial impact.

In Episode 3 of Beyond the Swipe, Katherine Perkins joins the conversation for an honest and insightful look at balancin...
04/29/2026

In Episode 3 of Beyond the Swipe, Katherine Perkins joins the conversation for an honest and insightful look at balancing work and life in the merchant services industry—and how the residual commission model can create long-term opportunity for those willing to put in the effort.

Hosted by John Perkins, CEO of Bay State Merchant Services, this episode explores the realities of building a career in payments processing, where hard work today can lead to recurring income, greater flexibility, and more control over your future. Katherine shares perspective on how residual commissions can provide long-term financial stability and lifestyle freedom, while also emphasizing that success doesn’t happen overnight.

In Episode 3 of Beyond the Swipe, Katherine Perkins joins the conversation for an honest and insightful look at balancing work and life in the merchant services industry—and how the residual commission model can create long-term opportunity for those willing to put in the effort.

A clear breakdown of interchange, assessment, and markup fees—and how they impact your bottom lineAccepting credit cards...
04/29/2026

A clear breakdown of interchange, assessment, and markup fees—and how they impact your bottom line

Accepting credit cards is essential for modern businesses, but many owners don’t fully understand the fees behind each transaction. These costs can quietly eat into profits if not properly managed. By breaking down the core components of credit card processing fees—interchange, assessments, and markups—you can make more informed decisions and potentially save your business significant money over time.

Learn how credit card processing fees work, including interchange, assessment, and markup costs. Discover ways to reduce fees and improve your business profitability.

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West Yarmouth, MA

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