Bay State Merchant Services

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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.

11/03/2026

Coffee shop owners, every sale counts.

When most of your tickets are small, the cost of processing each one adds up fast. The way your processing is set up matters more for you than for almost anyone.

A little attention here can make a real difference over the year.

Own a coffee shop or café? Send us a message and let's look at your setup.

10/29/2026

Square is easy to start with but is it still the right fit?

A lot of businesses sign up because it's quick and simple. As you grow, it's worth asking what that convenience is really costing you, and whether your setup still makes sense.

Easy to start doesn't always mean best for the long run.

Using Square now? Send us a message and we'll help you compare.

10/27/2026

Small checkout mistakes add up.

Typing in card numbers by hand, wrong amounts, and rushed transactions can lead to errors, refunds, and costs you didn't plan for. It happens in every busy business.

The right setup and a few simple habits can cut down on a lot of it.

Want to tighten up your checkout? Send us a message.

10/26/2026

Been with the same processor for 10 years?

Loyalty is a great thing but a lot can change in a decade, including your rates, your fees, and what's available to your business now.

It doesn't mean you need to switch. It just means it's worth a fresh look.

Been with yours a while? Send me a message and let's see how it stacks up.

10/22/2026

"Free" POS equipment is rarely free.

Before you sign up for a free terminal, ask how it's being paid for. Sometimes the cost shows up later in your rates, your contract length, or the fees you didn't see coming.

Free is great, as long as you know the full picture.

Thinking about a new setup? Message me first and I'll help you read the fine print.

10/21/2026

Your POS does forty things. You use two of them.
So why are you paying for all forty?

Many systems come packed with add-ons and monthly extras that sounded great during the sales pitch but never get touched once you're up and running.

Your POS should fit how your business actually works.

Not sure what you're paying for? Send us a message and we'll help you sort it out.

|BusinessOwner

10/19/2026

Are you paying your processor too much? 💰

A lot of business owners are, and they have no idea.
The fees are spread across a statement most people never have time to read, so the extra cost just becomes part of doing business. 📈

It doesn't have to be. Knowing what you should be paying is the first step. ✍️

Want us to take a look? Send us a message.

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.

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West Yarmouth, MA

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