In today's eCommerce landscape, shoppers expect speed, convenience, and security at every step of the buying journey. A fast checkout experience can significantly improve conversion rates, while quick access to revenue helps merchants reinvest and grow. As an industry leader in modern payment solutions, BAMS helps businesses implement digital wallet technologies like Apple Pay while providing next day funding to improve cash flow.
In this interview with Into the AM, Dimitri Akhrin, President of BAMS, discusses how Apple Pay and next day funding work together to create better customer experiences and stronger businesses, while highlighting the shared commitment both companies have to delivering exceptional online experiences.
Q1: Dimitri, Into the AM has built a strong reputation by delivering an outstanding online shopping experience. How does Apple Pay contribute to that experience?
Dimitri Akhrin: Today's consumers expect checkout to be fast, intuitive, and secure. Every additional step introduces friction and increases the likelihood of cart abandonment. Apple Pay removes much of that friction by allowing customers to complete purchases with just a few taps using payment credentials they already trust.
For merchants, Apple Pay is more than another payment option. It helps improve conversion rates, reduces checkout abandonment, and provides customers with a secure payment experience that protects sensitive card information. When businesses make purchasing easier, everyone benefits.
Q2: BAMS also places a strong emphasis on next day funding. Why is that just as important as optimizing the checkout experience?
Dimitri Akhrin: Completing the sale is only half of the equation. Once a customer checks out, merchants want access to those funds as quickly as possible.
With next day funding, businesses receive their deposits much faster than traditional processing schedules. That faster access to revenue allows merchants to purchase inventory, invest in marketing, fulfill orders, and manage operating expenses without unnecessary delays.
Apple Pay helps businesses complete more sales, while next day funding helps them put those sales to work more quickly. Together, they create a much stronger payment ecosystem.
Q3: How do Apple Pay and next day funding complement one another from a merchant's perspective?
Dimitri Akhrin: They solve two different challenges within the same customer journey.
Apple Pay improves the front end by making checkout faster and more convenient for shoppers. Next day funding improves the back end by accelerating when merchants receive the money they've earned.
Businesses often focus heavily on increasing conversion rates, but they should also think about cash flow. Faster checkout combined with faster deposits allows merchants to move more efficiently, respond to demand, and continue investing in growth.
That combination is particularly valuable for fast growing eCommerce brands.
Q4: What advice would you give to online retailers that have not yet adopted Apple Pay or next day funding?
Dimitri Akhrin: I would encourage them to think about the entire customer experience, not just individual transactions.
Consumers increasingly expect to pay with digital wallets like Apple Pay because they are fast, familiar, and secure. Businesses that do not offer those options may unintentionally create friction during checkout.
At the same time, merchants should evaluate how quickly they receive their deposits. If revenue is unnecessarily tied up for multiple days, that limits flexibility.
At BAMS, we work with merchants to implement both Apple Pay and next day funding as part of a broader payment strategy that supports customer satisfaction and business growth.
Q5: Looking ahead, how do you see Apple Pay and next day funding shaping the future of eCommerce?
Dimitri Akhrin: Consumers will continue to expect faster, simpler payment experiences, and businesses will continue to expect faster access to their revenue.
I believe Apple Pay will become an increasingly important part of the checkout experience because it combines convenience with security. Likewise, next day funding is becoming an expectation rather than a premium feature because businesses want to operate at the speed of today's economy.
Into the AM has built its reputation around delivering a premium customer experience, and BAMS shares that same philosophy from the payments side. Together, both companies demonstrate that investing in convenience, speed, and reliability creates better outcomes for customers and merchants alike.
Closing
Thank you, Dimitri, for sharing how Apple Pay and next day funding are helping shape the future of eCommerce. As businesses continue to focus on delivering seamless shopping experiences, combining fast digital checkout options with rapid access to revenue gives merchants a meaningful competitive advantage. With solutions like Apple Pay and next day funding, BAMS continues to help online retailers improve customer satisfaction, strengthen cash flow, and position themselves for long term growth.
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