Start Accepting Payments with AGMS
Join AGMS in a few Easy Steps
Getting Started
A few quick details about your business
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Frequently Asked Questions
Traditional Processing is our standard option where you pay low, wholesale card processing fees. It’s ideal for businesses that want consistent pricing across all payment methods and don’t want to pass fees to customers. Rates start at 0.35% + $0.15 per transaction, with no hidden costs.
This option lets you eliminate up to 99.99% of card processing fees by passing them on to customers at checkout (e.g., a small surcharge). It’s perfect for maximizing your bottom line, especially for high-volume businesses. We provide tools to make this transparent and compliant.
The form takes 5-10 minutes to complete. After submission, you’ll be redirected to e-sign your document, which takes 1-2 minutes. Approval can happen in 24-48 hours, and we’ll email you updates.
No documents are required for the form—just basic business and owner info. After e-signing, we may request verification like a bank statement or ID for compliance.
Yes, we use HTTPS encryption, reCAPTCHA to prevent bots, and comply with PCI DSS standards. Your information is only used for signup and not shared without consent.
Provide your best estimate. Our team will review and adjust during approval. The percentages help us tailor your account, but they’re not final. They also do not affect your processing rate.
Yes, contact support@agms.com after signup to switch between Traditional and Non-Traditional options. There’s no fee to change.
We’ll review your application and email you within 1-2 business days with next steps. Once approved, you’ll get access to your AGMS dashboard for payments.
Sales
Ready to get started with an AGMS merchant service account or have questions about any of our products and services? Contact our expert Sales team for personalized assistance.
Hours: M-F 8AM – 5PM CST
Email: sales@agms.com
Toll-free: 866-951-2467
Support
Experiencing a challenge or need assistance? Our Customer Support team is here 24/7 to ensure smooth operations. Reach out now for prompt solutions.
Hours: 24/7
Email: support@agms.com
Toll-free: 866-951-2467
What Happens After You Apply?
- Application Review (24-48 hours) — Our underwriting team reviews your business details. Most merchants are approved within 1-2 business days.
- Account Setup (Free) — We configure your merchant account, program your terminal, and set up your payment gateway. No setup fees.
- Terminal Shipped — Your pre-programmed terminal (PAX, Dejavoo, Clover, or SwipeSimple) ships configured and ready to plug in.
- Start Processing — Accept your first payment. Credit cards, debit cards, contactless, Apple Pay, Google Pay — all live on day one.
What You Get with AGMS
- ✅ Competitive processing rates — interchange-plus pricing, custom to your business
- ✅ No setup fees — free application, free programming, free terminal configuration
- ✅ No long-term contracts — month-to-month processing, cancel anytime
- ✅ Next-day funding — deposits hit your bank account fast
- ✅ Terminal or card reader — PAX A80, Dejavoo QD4, Clover, or SwipeSimple
- ✅ All payment types — Visa, Mastercard, Amex, Discover, Apple Pay, Google Pay, contactless
- ✅ Online payments — WooCommerce plugin, NMI gateway, Authorize.net
- ✅ Cash discount option — $30/month, $0 processing available
- ✅ Dedicated account manager — U.S.-based, knows your business by name
- ✅ 24/7 support — phone and email, real people
Trusted by Businesses Nationwide
- 🏢 BBB A+ Rated since 2009
- 📍 Serving all 50 states
- 💳 Powered by NMI — $502B+ annual payment volume, 1.2M+ merchants worldwide
- 🏪 Every business type — retail, restaurant, ecommerce, mobile, B2B, food trucks, professional services
- ⚡ Fast approvals — most accounts approved in 24-48 hours
Choose Your Payment Solution
- Retail / Countertop → PAX A80 or Dejavoo QD4
- Restaurant → Quantic POS or Clover
- Mobile / On-the-Go → SwipeSimple ($10/mo) or PAX A920
- Full POS System → Clover (Station, Mini, Flex, Go)
- Online / eCommerce → AGMS Pay for WooCommerce or NMI Gateway
- Zero Processing Fees → Cash Discount ($30/mo)
- Fleet Cards → Voyager, WEX, Fuelman, Comdata
Not sure which solution is right? Fill out the form above and our team will recommend the best fit for your business.
Frequently Asked Questions
How long does it take to get approved?
Most merchant accounts are approved within 24-48 business hours. Some applications are approved same-day. We’ll email you updates throughout the process.
Is there a setup fee?
No. Application, account setup, terminal programming, and gateway configuration are all free. AGMS doesn’t charge setup fees.
Do I need good credit to get a merchant account?
AGMS works with businesses across a range of credit profiles. Complete the application and our underwriting team will review your specific situation.
What if I already have a payment processor?
Switching is easy. AGMS handles the full transition — new account, terminal programming, and cutover with zero downtime. We can also do a free rate comparison to show you how much you’ll save.
Can I accept payments online and in-store?
Yes. AGMS provides both in-person terminals and online payment gateways (NMI, Authorize.net, WooCommerce plugin). One merchant account covers all channels.