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Whether it is understanding the efficiency of a home or the true cost of accepting payments, people benefit when complex systems are made clear. BAMS has become an industry leader in B2B payment solutions by helping businesses understand how credit card and payment processing actually work, giving them the knowledge needed to reduce costs and operate more efficiently.
In this interview with Pearl, Dimitri Akhrin, President of BAMS, discusses how both organizations share a common mission, translating complex information into understandable insights that empower people to make better decisions, whether they are managing a business or investing in their home.
Dimitri Akhrin: The connection is very natural. Both homes and payment systems are things people rely on every day, but very few truly understand how they work. At BAMS, we see payment processing and credit card processing as systems that are often unnecessarily opaque.
Our job is to decode those systems for business owners. We explain what is actually happening behind the scenes, how fees are calculated, why costs fluctuate, and what steps can be taken to improve outcomes. When people understand the mechanics, they stop guessing and start making informed decisions. That mirrors what Pearl does for homeowners by turning complicated performance data into something clear and actionable.
Dimitri Akhrin: Most merchants only see the final number on their statement, not the dozens of variables that determine it. Interchange categories, card types, transaction data, and compliance requirements all play a role, but they are rarely explained in plain language.
At BAMS.com, we focus heavily on education. We break down credit card processing in a way that business owners can actually understand. When merchants know how their payment acceptance works, they gain control. That sense of empowerment through clarity is very similar to how Pearl helps homeowners understand the true performance of their property instead of relying on assumptions.
Dimitri Akhrin: B2B payments add another layer of complexity. You are often dealing with invoices, purchasing cards, and different data requirements. Many B2B merchants do not realize they may qualify for lower processing costs simply by submitting more complete transaction data.
We spend a lot of time educating merchants about solutions like Level 2 and Level 3 Processing. Through resources such as our B2B payment center at https://www.bams.com/b2b-merchant-account/ we explain how enhanced transaction data can reduce interchange costs and improve reconciliation.
Once merchants understand these concepts, they are able to make smarter decisions that improve profitability. It is the same principle Pearl applies, give people the information they need so they can take control of outcomes instead of reacting to surprises.
Dimitri Akhrin: Transparency builds trust. In payments, a lack of transparency often leads to frustration because merchants do not know why something costs what it does. We believe data should explain the story, not confuse it.
Our reporting tools give merchants visibility into transactions, fees, and payment activity so they can see patterns and understand cause and effect. When data is presented clearly, it becomes empowering. Pearl does something similar by turning technical home performance details into a score that homeowners can easily understand and act on. In both cases, transparency removes uncertainty.
Dimitri Akhrin: The alignment is around empowerment through understanding. Pearl helps homeowners make informed decisions about their biggest investment by making complex information accessible. BAMS helps business owners do the same with one of their most critical operational systems, payments.
