◆
Lower feesReduce your rates.
We audit your processor statement line by line, identify junk fees, and either renegotiate or move you. Avg. monthly savings: $842.
Advisory Merchant ServicesHouston · Dallas · Austin · 30+ markets nationwide
Credit card processing, finally on your side.
Rooted in Houston and serving merchants across Texas and 30+ markets nationwide, AMS pairs lower rates and smarter POS with something the big processors don’t: a dedicated advisor, on-site setup, and 24/7 human support for every business we take on.
This month
$842 saved
↓ 11.4% on the effective rate
✓
Level 1 PCI
Certified for over a decade
25
Years of experience
Deep in merchant services
1,200
Merchants advised
From single-chair salons to multi-unit operators
$37M
In fees saved
Across years of statement reviews
96%
Client retention
Industry-leading retention rate
11.4%
Avg. monthly reduction
Measured against prior processor
What we do
Everything you need, nothing you don’t.
AMS offers more than mere merchant credit card services. We are committed to managing all your processing requirements, top tools, better cash flow, fewer headaches.
◆
Smarter POSModern terminals.
Clover Station, Clover Mini, Clover Flex, and Clover Go, specified for your floor and installed on-site.
◆
AcceptanceEvery way to pay.
Tap, dip, swipe, key. Email invoicing. eCommerce checkout. Recurring billing. Mobile acceptance turns any smartphone into a POS.
◆
Support24/7/365 humans.
A real person on a real phone, every hour of every day. We answer at 8pm Saturday, and we fix it.
◆
Zero-cost processingPass the fees on.
Our surcharge program lets your customers cover their own card-processing fees, bringing your cost of acceptance close to zero.
See if surcharging fits →◆
Working capitalMerchant loans.
Need to grow? Our lending partners offer merchant cash advances and SBA-style loans backed by your card volume.
Services the other guys won’t do for you
The Concierge Difference.
The big processors answer to shareholders. We answer to you: one local advisor who audits your statements, installs on-site, and picks up the phone at any hour, on your bank, with your hardware, never locked to ours.
Square
Sign up online
Toast
Restaurant POS
Best for service
AMS
Concierge · Houston
Pricing model
Flat rate, raised Jan 2026
Flat rate + software fees
Interchange-plus, audited
Dedicated local advisor
✕
✕
✓
On-site install & staff training
Self-install
Paid add-on
✓Included
24/7 human phone support
Weekday hours
Phone to midnight ET
✓24/7/365
Statement audits & renegotiation
✕
✕
✓Quarterly
Choose your own hardware
Locked to Square
Locked to Toast
✓Open
Merchant account in your name
Aggregator
Aggregator
✓
Long-term contract required
No contract
Typically 2 years
Never
Comparison reflects standard, publicly advertised offerings as of July 2026 and may vary by plan, region, and negotiation. Square and Toast are trademarks of their respective owners.
Who we serve
Built for your kind of business.
From restaurants to home-service trades, we tailor the terminal, the software, and the install to how your industry runs. Tap any card to see how AMS helps.
eCommerce
Online & eCommerce
A professionally designed website that processes payments seamlessly, API integration, a web-store cart, and a dedicated designer to build your site.
See how AMS helps →
Restaurants
Restaurants
Total Touch POS, table management, split checks by seat, an easy interface, and online + mobile ordering. Front office to back office, fewer wait times.
See how AMS helps →
Service
Service businesses
Mobile payment software paired with a virtual terminal turns any smartphone into a full credit-card POS, take payment at the customer's home or job site.
See how AMS helps →
Retail
Retail stores
Payroc tablet POS, accept every major card, customize gift cards, track employee hours, set low-stock alerts, and grow with loyalty programs.
See how AMS helps →
Medical
Medical offices
Payments built for clinics, dental, and specialty practices, card-on-file, recurring billing, and clear patient receipts with surcharge-free options.
See how AMS helps →
Trades
HVAC & plumbing
Get paid on the spot or invoice from the truck, mobile terminals, text-to-pay links, and fast deposits for HVAC, plumbing, and home-service pros.
See how AMS helps →
“
We serve small businesses, not banks. We understand the intricacies of your business, and are dedicated to aiding your success.
The AMS mantra
Houston, Texas, since 2009
25+
years
Level 1
PCI
24/7
support
Free assessment
Let us conduct a complimentary assessment.
Tell us what you need and one of our experts will contact you. If you have a monthly merchant report you’d like us to analyze, feel free to upload it, if not, no problem at all.
72 h
in-writing review
complimentary
$0
cost to you
no obligation
No
follow-up sales call
truly
First name
Sam
Last name
Patel
Email
sam@patelfamily.com
Phone
(281) 555 · 2204
Company
Patel Family Dental
Currently accept credit cards?
Yes, with Heartland
Years in business
6, 10 years
How did you find us?
Google search
↑
Upload monthly merchant report (max 4 MB)